Hi

Was it you that knows someone who works at Halifax? If so, you were going to find out if they slap you into a buy to let mortgage if you let your flat.

If it wasn't you, apologies.

x

Hello Bubs

I'm glad you are taking control. My comments about CCCS were not meant to put you off - I know people who've used them and I even have a friend who works for them. I simply wanted to give you a bit of extra knowledge that may be one day you could use to your advantage.

Going back to the unenforceable credit agreements; I do hope that you are still pursung the S.78 / SAR requests, as well as the CCCS route. It really is worthwhile.

I recently wrote to a number of creditors (that I had received dodgy agreements for) offering them a full & final settlement of 15% of the amount outstanding. Not had any replies yet except one has just contacted me to confirm they will accept my offer and mark my credit file as account satisfied. He says they'll confirm it all in writing and give me 28 days to pay.

I was getting a bit down with the whole job (especially after so much misplaced negativity following the Waksman judgment) but this has really pepped me up - its not a myth. The other thing is that this company did provide me with a microfiche copy of an agreement which on its own wasn't enforceable but did contain a line of text that said something like 't & c on the reverse'. They obviously don't have the original and know the court wouldn't enforce without it.

Keep your chin up

Bubbleicious:Well then i'm screwed wotever way I turn then. Payplan also receive a commission. I'm passed caring to be honest. Also when I'm confident about my rental income I can include that and will be debt free in 4 years. I tried and tried getting thru to CAB and to no avail. They are obviously useless. I also researched who were good for DMPs and CCCS came across well. I'm just hoping the creditors agree. Still no one has replied regarding my mint letter. No more comments about CCCS if they are crap then so be it.

Oops, I meant to say "they are obviously inundated" did it from my phone and it obviously decided I meant useless!!!!! Sorry CAB!!!

Well then i'm screwed wotever way I turn then. Payplan also receive a commission. I'm passed caring to be honest. Also when I'm confident about my rental income I can include that and will be debt free in 4 years.

I tried and tried getting thru to CAB and to no avail. They are obviously useless. I also researched who were good for DMPs and CCCS came across well. I'm just hoping the creditors agree.

Still no one has replied regarding my mint letter.

No more comments about CCCS if they are crap then so be it.

Basa is right about CCCS. They receive a "commission" (my words not CCCS's) from your creditor of 11% of everything you pay. So each and every month when you make a payment the creditor will pat CCCS 11% of whatever you have paid. I'm only telling you this in case at some point in the future you can use it to your advantage when dealing with your creditors (perhaps you might fall out with CCCS and need to go it alone).

Well they've been really good so far. Better than Payplan. Also I got sick and tired of not being able to get through to CAB and my friend who used CAB said that after a year or so they tell you to get on with it and manage the plan yourself whereas CCCS manage it for the duration.

What about the Mint letter?

Yeah I know it's a shame I buckled, but I don't like the look of the news to be honest, I think they're going to make it harder for debtors to use this non-enforceability thing and I really cannot be bothered with it. I'm already tired of the phone calls and letters. Although I expect I'll still get these even though I've sought professional advice now.

Shame you buckled, just proves the bully boy tactics do work. Still that's your decision.

Not sure I would have recommended CCCS as it is known they often have the interests of the creditor / DCA companies in mind more than the debtors.

I hope your money is now with First Direct so you can kick Barclays into touch!!

Good luck.

Hi

I'm sorry but I buckled under the stress and worry and decided to contact CCCS. They gave me two options, IVA or Low starter DMP. I'm going for the DMP.

I thank you all for your advice in the past.

I have received a letter from Mint, following on from the default notice to which I replied and sent my card cut in two as requested. The latest letter says:

"A default notice has recently been served against you. As the amount requested in the default notice has not been received, your account has been terminated.

Full payment of your outstanding debt is now required with 14 days. However, I note that you have made a request to repay the debt with low monthly payments. As the suggested amount is less than the required 2.25% payment, after 14 days your account will be transferred to our Debt Recovery Office. You will then be contacted regarding the outstanding balance, in particular your request to make payments below the required 2.25% of the balance each month."

It goes on with some other blurb. I just wanted to know if this is the norm. I was very scared by the first sentence of the second paragraph.

I have sent all the required information and signed DMP to CCCS, but they only would have received that today or yesterday. I also sent their letters to each creditor as they requested I do this.

Barclays Bank are still p*ssing me off. They charged me for all the returned payments that happened during the fraudulent activity despite my fraud advisor telling me they would not. I've written yet again as they still have not responded properly to my first letter of complaint. They have written twice saying they are inundated with complaints (no surprise there then) and cannot investigate my complaint until February, originally they'd said 15 January!!!! I'm really annoyed because I purposefully transferred monies into the account so I was back within my overdraft limit and so would not incur the £22 weekly charge. I looked at my account yesterday and find it is well over again and so I took money back out. The o/d is included in the DMP so I shall leave well alone now, but I was so annoyed.

hi worried sick, yep mobile are a slight prob, but we use to get over this, your best bet is to change your number,but you could also have some fun with the caller as like what has been posted, as far as payplan, they are paid by the banks and other agences in the credit trade so they do not charge the debtors, so hang on in there it will come out right but like most things in the debt world it takes time and what jov had, good luck tiller

Bubbleicious:Hi Tiller. Trouble is the calls are to my mobile number. I know my network cannot block calls, I remember asking about this years ago when I had troublesome phone calls (not debt related) they said the only way to stop them was to change my number. I'm getting tempted to do this now.

I don't know why you don't have a bit of fun with the calls. Make some stuff up. That's what me and my mate did when DCAs were calling his mobile. Trust me, his mobile went on some wild adventures.

e.g

Pretend you're thief who'd just nicked it.

Pretend you're someone working in a lost luggage place.

etc.

Go crazy. We did.

Hi Tiller.

Trouble is the calls are to my mobile number. I know my network cannot block calls, I remember asking about this years ago when I had troublesome phone calls (not debt related) they said the only way to stop them was to change my number. I'm getting tempted to do this now.

Mind you, NO PHONE CALLS TODAY SO FAR! However, this usually means that a threatening letter is en route. The trouble being it's taking much longer to get my post as it is all redirected.

Anyone had any experience of the Debt Advice Foundation? I note they seemed to have been awarded best overall debt advice charity and a number of other categories including debts over £20k. According to their website they're another free advisory and can set up DMPs/IVAs etc. I will still try CAB, but am concerned about the length of time it is going to take to get an appointment. I also read somewhere that Payplan do make a charge and it comes out of your monthly payment, anyone know if this is so?

hi broooooooce, i cannot go into details because of security, but if you get intouch with telecom they will help, in cases of harrisment, but in my case i worked in security and delt with surveillance and phone tap,sorry cannot be more helpful. you can ask telecom to phone you each time you get a call, what they do is as a call is routed to your number they block, call you and ask if you wish to speak to ever is calling you, so you get there name or bussness, and you can decline the call most useful when it is a dca or bank. tiller

"told tele com to block all calls coming from banks and dca, and all calls vie automation,"

How did you do this?

hi worried sick, no you can go to any cab for help, but the closer to home the better for you, it might take a while for you to get an appointment but it will be worth it in the long run, as for payplan i was with them for a while but left when they were late paying my creditors, as for the phone calls most are automated, this is what i did to stop call, whent ex dir, told tele com to block all calls coming from banks and dca, and all calls vie automation, rbs have been sending me letters asking me to update my phone details (the wise ones on this site will no why) . tiller

I'm having to turn my phone off now, they're calling constantly, it's driving me mad.

As I said, what I have received already is all on here via photobucket, I can't even remember what I've received now. But I know the only signed copy documents I have received are from Mint and Asda.

I'm finding it quite hard to cope now because of these persistent phone calls. When I try to call CAB I get put on hold then an automated message says no-one can take my call and do I want the recorded information. It's hopeless.

I wonder whether I should try my actual one where my home address is, as you know I'm renting my place out. Trouble is, that means travelling 77 miles and I don't really want to spend the money on petrol at the moment.

Does anyone know if you are supposed to go to your local CAB, ie. the one closed to your registered address? As I'm renting my place out, this isn't really convenient.