commit2change UE diary

[odetter]

Re: Committed2Change UE diary

Something I wished I'd thought about years ago.
Stop paying those cockwombles and put the money to better use.

[commit2change]

Re: Committed2Change UE diary

OK - I'm convinced.

And I like the idea of putting money away - this last year has been so stressful due to problems that have left me with no money and having to stop my dmp due to mot failures etc. Would be nice to have a safety net again. It's not like I haven't paid them a fair whack of my cash anyway.

[odetter]

Re: Committed2Change UE diary

send it to whoever stepchange are paying now

you would be much better stopping the DMP now, you're really just throwing money away. WSe had a DMP as well, but stopped it three and half years ago when we started UE..............................................

Totally agree, similar experience with Payplan.
They are both sponsored by the Banks and Financial Industry, they are simply the happy smiley cuddly face of the Debt Collection Industry.
Because they have a 90% recovery rate the banks love them.
You're far better off putting the money away.
I've CCA'd 5 creditors in November and so far nothing's happened yet!

[Never-In-Doubt]

Re: Committed2Change UE diary

Nothing to be scared of now, you're in very safe hands.

[commit2change]

Re: Committed2Change UE diary

Well I do like to be in control and I have heard some of the horror stories about interest being added on at the end - which does worry me a lot.

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.

Scary!

[MrsD]

Re: Committed2Change UE diary

Sorry no no I'm with stepchange for my DMP. I don't think I worded it clearly. But at least they aren't a fee charging dmp company.

The who I'm paying refers to who holds the debt now.

Do I send the CCA request to the original creditor or who has the debt now?

send it to whoever stepchange are paying now

you would be much better stopping the DMP now, you're really just throwing money away. WSe had a DMP as well, but stopped it three and half years ago when we started UE..............................................

[Never-In-Doubt]

Re: Committed2Change UE diary

You normally CCA whoever has the debt now, so the DCA taking payment from you. If you pay the bank direct CCA them direct.

CCCS (now stepchange) may not be fee based but they ARE paid for by the banks, by way of funding, so impartiality is a load of bollocks sadly. Ask several users her who paid into one of their DMP's for many years only to find at the end the bank want interest or some other crap excuse to either wash their hands of you or leave you up the swanny.

Deal direct then you file all letters and you have a copy of what was genuinely agreed so if the bank write to you and say we're happy to take £1pm for 20 years with no interest then you have the evidence. Leaving it stepchange isn't the wisest choice as many are finding out, and some have already found out.

What we do here is to teach you how to play the game and fight your way past the SB winning line, to have a clean credit file so that you've only been impacted for really 6years in total, not from X, Y or Z. Usual pattern would be send a CCA and cease all payments (trust me here) as this gets their attention. Then dependant what they respond with, in respect of the s.77/78 requests depends on the next move but even enforceable debts can be haggled with to the point you make an offer using the dmp cash you've saved by not paying and/or crawl over the SB line still arguing.

Our system works, it's very achievable and best of all YOU stay 100% in control from day one.

[odetter]

Re: Committed2Change UE diary

I agree, they've been cash cowing you for years.
Save the money for the battle ahead.

[commit2change]

Re: Committed2Change UE diary

Doh it seems you have been doing a self managed dmp anyway based on you paying the firms direct hence you might be best cancelling the payments, why bother paying - even if they're EN we can still blag it for a year or four

Sorry no no I'm with stepchange for my DMP. I don't think I worded it clearly. But at least they aren't a fee charging dmp company.

The who I'm paying refers to who holds the debt now.

Do I send the CCA request to the original creditor or who has the debt now?

[commit2change]

Re: Committed2Change UE diary

Thanks for that thread link. I'll hold off until I get a reply / get ignored regarding the CCA. As I assume it will default if the debt is UE and I stop paying it and I have to wait 6 years after that anyway.

If it isn't UE then I'll look at it again.

[Never-In-Doubt]

Re: Committed2Change UE diary

Doh it seems you have been doing a self managed dmp anyway based on you paying the firms direct hence you might be best cancelling the payments, why bother paying - even if they're EN we can still blag it for a year or four

[Never-In-Doubt]

Re: Committed2Change UE diary

Though to be honest Link can kiss my ass as they refuse to default my account - leaving me in a terrible position when I finish my DMP as it will be another 6 years for those 6 payments in arrears notices to drop off my credit score. I did write to them but they refused to default me - should I try again?

We were discussing this earlier - see here --> http://forums.all-about-debt.co.uk/s...-on-my-account

However if you are on any formal arrangement to pay then they will not necessarily and do not have to, default you. Sometimes it is best to let them default you by not doing any dmp and only once all defaults are registered would you commence any dmp (if ever)...!

Im not a fan of DMP's - you really don't need to use these firms, do it yourself as easy as pee

[commit2change]

Re: Committed2Change UE diary

MrsD

I'm still paying my DMP - next payment isn't due until the 10th Feb. So I have some time to decided what to do with that.

[commit2change]

Re: Committed2Change UE diary

Ok so there it is in all it's horrible truth. I also have a couple of student loans on my DMP - but I'd keep paying them as they are a separate issue.

I hope I have done the layout ok and it makes sense.

My first question is should I keep paying the DMP, after all my credit is already wreaked and my next payment isn't due until the 10th Feb, it makes sense to me to wait and see what they do with the CCA requests before messing up my DMP payments.

Though to be honest Link can kiss my ass as they refuse to default my account - leaving me in a terrible position when I finish my DMP as it will be another 6 years for those 6 payments in arrears notices to drop off my credit score. I did write to them but they refused to default me - should I try again?

Anyhoo any help or comments will be gratefully appreciated.

Many thanks

[MrsD]

Re: Committed2Change UE diary

Ok welcome to AAD

Once you start getting replies to your CCas come back and we'll help you work out what to do next.

Have you actually stopped the DMP or are you still paying?