CCJ and potential failure of a debt mgt plan !!!!

jeudi 16 octobre 2014

I lost a second job a few years ago and knew I'd struggle to pay my debts so I contacted a debt mgt company. Within a few months, having done everything they instructed me to do I'd started making monthly payments which included their fee. Everything was going fine and after some time my debt was sold on, I received letters from companies asking me to pay the balance off each time it was sold on and I called them to let them know about the DM company. I moved addresses a couple of times due to work and kept my DM company informed, in fairness I didn't contact the company directly to let them know I'd moved as the DM company always said they'd tske care of everything and not to worry. Toward the start of this year after being in the DMP for 4 years I suddenly received a demanding/threatening letter saying I'd missed payments. When I called the company they said payments were missed and I now had a CCJ. I was stunned as I knew nothing about it. They said they'd been trying to contact me for ages and I asked why they Gav t contacted my DM company, they said it wasn't what they did. On the Monday I frantically called my DM company they said the company had lied to me and that there was no CCJ and that was the type of thing these people say to get me to settle the account. I kept making my payments and left it at that but I wasn't comfortable or satisfied. This week I re-registered with experian and update my file, I was shocked to see a CCJ dated Sept 2013, how could this happen. I contacted my DM company again they said they had only checked the scottish register (I previously lived in Scotland and the DM company is in scotland) the CCJ was from Northampton. The DM company have said not to worry as they'll sort it out in a couple of weeks after their holiday and they move premises. Well I am worried because today I've received another letter saying there are more missed payments. I want to contact the company to explain my situation but I need advice first as I don't know what to tell them, they probably won't believe I've paid religiously since Feb 2010 despite the fact I have the receipts from the DM company and the bank transfer info to prove it. I did the right thing, I didn't bury my head in the sand, I entered a DMP and paid every month. Now I don't know what's been paid and what's not and I have a CCJ, I'm mortified and angry. Any advice !!!!!!





CCJ and potential failure of a debt mgt plan !!!!

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