JASSASBLUE - UE Diary

[Deepie]

Re: JASSASBLUE - UE Diary

great minds.........................

Indeed Mrs D .....I've still got my letter from 5 years ago confirming no CCA from Barclay card ...never heard a thing for 5 years now

Roll on October when it's SB

[MrsD]

Re: JASSASBLUE - UE Diary

Well done.....keep that letter very safe.

great minds.........................

[MrsD]

Re: JASSASBLUE - UE Diary

well there's a brilliant start, remember you were paying this!!!!

well done

keep that letter very safe

[Deepie]

Re: JASSASBLUE - UE Diary

Barclaycard letter received, the are unable to provide a copy of the terms of my credit agreement. Account suspended immediately and they accept account unenforceable. Email to Niddy to confirm.

Well done.....keep that letter very safe.

[jassasblue]

Re: JASSASBLUE - UE Diary

Barclaycard letter received, the are unable to provide a copy of the terms of my credit agreement. Account suspended immediately and they accept account unenforceable. Email to Niddy to confirm.

[jassasblue]

Re: JASSASBLUE - UE Diary

Have you stopped the DMP completely now? I'm in the same situation as you

Yes, I'm new to this but I've just cancelled. Stepchange very unhelpful indeed. I'm awaiting the CCA responses then I'll take it from there with help on here. Best decision I ever made, shame I didn't research this earlier. Good luck Wiggle 61 - keep the faith

[Wiggle61]

Re: JASSASBLUE - UE Diary

Have you stopped the DMP completely now? I'm in the same situation as you

[odetter]

Re: JASSASBLUE - UE Diary

Thank you, I've been paying £300 per month, at one point it was £500! If I'd taken an IVA I'd be debt free now, Stepchange recommended a 12 year DMP (can't believe I fell for it!) Anyway what's done is done, the way forward is I'll save the DMP payment as you advise that won't be an issue, I'd already paid this month before I decided to take the UE route.
Let battle commence and thanks guys I'm definitely in safe hands here

The time scale is ridiculous.
StepPlan love these agreements as they give the Financial Industry long-term control over people's lives.
More people would adhere to them if there was a greater write off and fixed term span of no more than 5 years.
These voluntary arrangements are in some ways worse than BR/IVA.
The worst scenario that could happen now is a Peter Pan payment plan (Never Never) or a much reduced F&F settlement.
Either way is preferable to being gouged out by those loathsome sock puppets .

[Deepie]

Re: JASSASBLUE - UE Diary

How come you were paying your student loans through stepchange?

Student loans? I don't have any Pixie, I've just read another post saying they do exactly that. I can't remember who it was though, it's my sleeptime

OK, I will stop my DMP payments - arrange to pay my student loans directly, they were getting the full amount via the dmp anyway so shouldn't be too difficult to sort out and send out my CCA letters.

I think it was Committed2Change that pixie could have meant ?

[jassasblue]

Re: JASSASBLUE - UE Diary

Student loans? I don't have any Pixie, I've just read another post saying they do exactly that. I can't remember who it was though, it's my sleeptime

[Pixie]

Re: JASSASBLUE - UE Diary

How come you were paying your student loans through stepchange?

[jassasblue]

Re: JASSASBLUE - UE Diary

Thank you, I've been paying £300 per month, at one point it was £500! If I'd taken an IVA I'd be debt free now, Stepchange recommended a 12 year DMP (can't believe I fell for it!) Anyway what's done is done, the way forward is I'll save the DMP payment as you advise that won't be an issue, I'd already paid this month before I decided to take the UE route.
Let battle commence and thanks guys I'm definitely in safe hands here

[Pixie]

Re: JASSASBLUE - UE Diary

Yes, you'll get a flurry of letters from dcas but they do tend to die down after a while. Just let us know what they send...and don't be frightened by big red capital letters!

If you can, save whatever you were paying to the DMP in case you need to do a F&F settlement.

[jassasblue]

Re: JASSASBLUE - UE Diary

Stepchange say I have to pay ALL creditors that I registered with them. As Niddy confirms Next is unenforceable I don't want to pay them. Stepchange say I cannot remove a Creditor from the plan and I must continue to pay my monthly amount.

I've decided to stop paying Stepchange. Pending the outcome of the CCA requests, I'll go it alone if need be. I expect DCA letters will commence when they don't get paid via the DMP.

[SaltnVinegar]

Re: JASSASBLUE - UE Diary

what nonsense Stepchange blather on, no way can they stop your DMP because you are challenging the validity of your agreements.

Hi Jassablue

Welcome to AAD!



I'd be interested to know why Stepchange said that they couldn't deal with you. Was it the usual line that they can only deal with a dmp if 100% of creditors are on it?

If its just because you sent a CCA request then thats a new low even for them as its a legislative right you have as a consumer to request a copy of your agreement. You could want a copy for multiple reasons, not just to challenge whether the agreement can be enforced (e.g. you may want to challenge the interest/charges, or to discover if PPI was added etc etc...)