here's one for you:
I have just had a call from blackhorse in regards that they have not accepted my DMP offer of £49.23 per month that myvesta has set up for me, they want a minimum of 89.30 per month and will stop all interest until the debt is paid off ( i don't think so) advised couldn't offer any more as all the surplus i had went to the DMP and was being distributed to all creditors, so she said we are not accepting it, we are now going to put a charging order on your house, i said thats fine but don't you need to have a ccj first, she stumbled a bit and said well yes we will take you to court and the judge will give us priority because the debt is over 21k and will force a bigger monthly payment, i said are you sure, if i haven't got it he can't sqeeze any more out of me, and then also he may say as i am making every effort that you may have to accept a lower payment, she was a bit flumaxed and said thats the chance we will take however he will go more for us than he would you, i said thats fine then, oh by the way i am declaring myself BR in the next couple of months, thats ok she said we will have priority over other creditors when your house gets sold, ok i said but there is very little equity after the OR has taken his cut and you would have gotten more back in an IVA, apart from the fact i will be BR before a ccj or CO will be placed.
are you returning my payment then i asked, err no we will take any money we can off your accout, ( does that not mean they are accepting some form of payment?)
she then asked me to think about making a payment of 89.30 this month to stop it going to the legal dept, and stop the CO, i refused as i can;t afford it, so she said if you carry on paying myvesta and we set up a seperate monthly order to top the payment up to 89.30 and we will accept that, again i said i am sorry but i cannot afford to do that, she got a bit shirty and said you do owe this money, i said i appreciate that, i came to you one year ago when i was struggling and informed you, after the telephone conversation i had a loan for 21k do you not think that being a responsible lender you should have offered that to me?
silence, its not really down to that is it?
please rethink she said and telephone me back in the next few days on this number.
the best bit!
i telephoned myvesta and informed them of the conversation and that they rejected the offer, pardon they said are you sure, we had a very long conversation yesterday with another person who accepted the offer and has stopped all further charges for the next six months.
i tell you if i hadn't been so clued up now because of the forum and had i not been going BR i would have panicked and fell for that one.so its shows you what level the creditors will stoop to, to put the frighteners on you, never agree to anything over the phone is my motto now, ask them to put everything in writing for your consideration.
kerri
Please view my blog at:
http://scaredkez.blogs.iva.co.uk/
