Can anyone tell me approxiamlty how long would it take for the first inital letter after being sent out for an dmp to be on a creditors system as my letters where sent out at the begining of November and they keep calling and say they have had no contact at all from my dmp company and if the letter had been sent out when said it would be on their system by now and they are now threating to send balifs and take me to court
The creditors will always say this - you are dealing with the call centres and their only purpose in life is to get mnoney from you.
I imagine it is all in hand, but I suggest you give your company a ring to see what is happening.
They won't be sending the bailiffs in and I doubt they will be taking you to court at the moment.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Which DMP firm are you with? Have you asked them to send you copies of the letters they have sent to creditors?
In my own office we continually take calls from clients who tell us that their creditors have not received notification from us, yet this is done automatically as soon as we have been instructed. I suspect the same thing has happened in your case, but the people at the call centres may not have access to that information.
It must be as annoying for IP's as it is worrying for clients Melanie. Wouldn't it be nice if these organisations could get systems in place so they were aware when people entered DMPS, IVAs etc.
Hi
This is one of the biggest problems when first entering into an IVA or DMP, the constant calls from creditors. Sometimes this can be 15-20 times per day from just one company.
It would be good to see some voluntary code from banks that recognise when someone has engaged professional help and then limiting the number of call made
Regards
I was just writing about how my calls have been and the lappy overheated, will try again!
Barclaycard - nightmare constant calls at least 10 a day some days, although they have put my account on hold a couple of times which gave a reprieve.
Mercers - well you could knock me down with a feather, hubby just took his first call from them, advised them of the creditor meeting date and they said they would put the account on hold....we shall see.
Nationwide - really good, just call up for progress reports on the creditor meeting.
Sainsbury Bank - started off with a lot of calls but paperwork must be filtering through as only letters now.
Northern Rock - no calls at all, been really good and had a letter acknowledging our position.
Santander - no calls only letters.
MBNA - not nice although they don't call as often as Barclaycard they are still nasty in what they say to you.
RBS - no calls just letters, they also acknowledged our position by letter.
I think that's it, so there are a few creditors who obviously have systems in place and others who are like a dog with a bone.
7 year IVA completed in December 2016 - there is light at the end of that tunnel
I think you are right Cath - there is no consistency with individual creditors, but it is good that yours appear to be being reasonable - of course your IP will have sent a very detailed letter explaining the circumstances to them!
