steps so far: 1. changed from barlcays bank to yorkshire bank with no trouble 2. Next Directory agree to the dmp, reducing payments from £60 to £12 - wow! 3. Co-op Bank agree to the dmp, reducung payments from £130 to £80 - better than nowt! 4. Amex pass on the matter to a collection agency who so f...

**copied from consumeractiongroup.co.uk** might be of use! In general, it’s best to communicate in writing, but if they keep calling (whilst you’re waiting for the CAG phone harassment letter to arrive!), these techniques should help you to take control of the calls and stop dreading the phone ringi...

all i do is send a proforma to the creditors saying that CCCS are on the case and that they should talk to CCCS not me, they hopefuly should do the rest

Melanie,

I'm going through CCCS so there is an element of DIY!

cheers, Skint

sorry for the large text!

also when you are giving teh reason why you are entering into the dmp, what is suggested - I don't want to sound like i'm too incompetent, eventhough to get to this stage I must be!

how does financially inexperienced/naive, sound!

i'll give them a chance and it doesn't work out I'll then chose an IVA company, fingers crossed

heart warming to hear, just shows this sites leads to good things

nice one

went to yorkshire bank today and got a new account, dead easy, even told them of current situation!

sending off forms to cccs in next couple of days

happy days are only round the corner!

[V]I suppose a business that has 100's of phones will be able to get through one way or the other!

I suppose I could always get one of those gadgets that tells you who is ringing, no name no pick-up!

i am expecting to still get phone calls, hopefully I can deal with that, anybody know how to block certain incoming phone numbers!!

chose cccs because they didn't charge a fee and seem to have a good relationship with the banks, also the other IP I spoke to was going to retain my first payment and only release it to the creditors once my second paayment had been received - in other words my creditors wouldn't get anything for at...

going to start logging how the process pans out

1st - going to Yorkshire Bank on monday to open a new account, then will send off the info to CCCS and my creditors

will keep the forum informed of events!

have a chat with your partner, I wasn't going to with mine but she found out - we had a row and now all lovey dovey and my stress levels have reduced!

I'm going to enter into a DMP and didn't relish trying to discuss stuff on the phone while trying to keep it a secret from her

it will do!! off to see them on Monday