DMP up and running

[tutu]

Well its been a while since last post. A short recap - £40k in debt with 10 creditors. Started a DMP with Bright Oak in Sept 09 paying £350 per month. Most creditors have frozen interest and been quite helpful. The major headache is Lloyds TSB they are continually phoning, sent a letter eventually agreeing to my DMP in January, today I received a solicitors letter on their behalf saying pay up or youre going to court. I was mega upset by this as you can imagine. I telephoned the number on the letter which took me through to Lloyds TSB. The fella on the other end was so horrible it is untrue. Basically said you are the one in debt, you got yourself into this mess .... then said I shouldnt have received the solicitors letter but let this be a lesson to me !! The arrogant, ignorant pig... I ended up putting phone down. I will speak to Bright Oak tomorrow and hopefully they will sort it out

[kallis3]

You shouldn't have been spoken to like that at all tutu, there's no excuse for rudeness, and ok, you got into debt, but you always had intentions of paying it back. Not your fault that circumstances have conspired against you doing this.

Did you get his name? If so, I would make a complaint.

Definitely ring Brightoak tomorrow and tell them about this. I'm sure that they will sort this out for you.

[Diddy]

Definitely make a complaint if you managed to get the persons name, the banking code of conduct should be in place to prevent bullying and harassment of people who have got into financial difficulty and i know that this particular area is receiving a lot of scrutiny at the moment. You should not have to put up with being spoken to like that.

[MelanieGiles]

One of the downsides of doing a DMP is that creditors can continue to use these sort of tactics when someone is clearly trying their best to pay. Am sure that your DMP provider will be able to get this sorted out for you.

[Shining]

There is no reason for rudesness on anyones part, it really is a bug bear of mine. We're all in or been in debt sometime (most of us!) He probably is too, I couldn't be rude back it's not in me but I would definitely complain. How dare he talk to you like that. I do hope BrightOak sort this on your behalf. Good luck with your DMP. x

[Andrew Graveson]

Hello tutu,

Thankfully this type of behaviour on the part of a lender is not very common but it certainly reflects very poorly upon them.

Lloyds involve SCM solicitors as part of their general collections process and some pretty robust automated letters get sent out that can be entirely inappropriate when they already acknowledge that an agreement is in place.

In reality when we speak with SCM they are generally amenable to fair repayment offers via debt management plans and legal action is very rare in these circumstances.

I'm sure that this situation will quickly calm down but I will personally intervene on your behalf if it does not.