Great thanks, what do I do?

Hi all I'm finally managing my plan myself, no more paying fees to a company!!! I have SAR my mint card and there is no PPi, but I have noticed several of the below: Late payment fee 12.00 Over limit fee 12.00 I remember reading that you can claim for some fees, are these included, how do you do it? Thanks a lot

2k Halifax loans 700 Mint Credit Card 900 BOS Current Accounr

Hi Guys, A whilse since I've posted but have finally kicked the DMP Company and doing it myself. I have writting and sent the letters stating my proposals to the three companies all of which have been increased as I have been able to distribute the fee I was paying to each creditor. I have also asked them to keep the accounts in the state they were in when I left the DMP. I.e with interest frozen. Have I done the right things here? I want to clear these debts and I think this is the best ways of doing it. On another note, if they were to charge interest, does anyone know what the likely rates will be? I have two Bank of Scotland and one now with Wescot. Thanks for your help!

Great thanks

Hi All, I am looking for a speedy resolution with my creditors and sending letters back and forth is taking far too long. Can I use email to contact them ... It keeps a chain of communication. Is there anything I should be aware of when using email to contact them? Thanks

Just another quick question for anyone that can help. Wjhat postal service should I use for letters between myself and DCA's? I have been using signed for but this obviously gets expensive for lots of correspondence. Is there anything else I can use?

Thanks DX will look to send this afternoon then.

I have made one up myself using different templates I could find. Can everyone let me know what they think and if I am missing anything before I send it: Dear Sirs, Account: XXXXXXXXXXX I acknowledge receipt of your letter dated 8th October 2013, the contents of which have been noted. On 26th September 2013 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/78. This was signed for as delivered on the 27th September 2013 Enclosed with that request was a postal order/Cheque in the sum of £1.00 which represents the statutory fee. You have failed to comply with my request as you acknowledge in the letter mentioned above. I would like to offer as a conditional payment the sum of £40.00 as a Full and Final Settlement of the account. This offer is made on the understanding that the below terms are met: · Neither you nor any associate company will take any further action or enforce to pursue this debt in any way whatsoever and that I will be released from any liability · The remaining balance must not be sold on to any third party · All negative markers will be removed from the history of this debt on the credit report · You make an entry on my credit file to mark this debt as Settled in full Payment can be made within a week of receiving your written agreement of this offer and payment method.

Thanks again DX really do appreciate your help. I know I am being a pain with all these questions now but have gone into the library under the dect collection section and there aren't any letters in the for Full and Final Settlement that I can see. Anywhere else that they are stored? Thanks again!

Thanks DX, may go down this route then. Do you have a link to a full and final settlement letter i should use/ amend the fir my circumstances? Have you ever known a DMC to remove the negative markers before? Just curious...

Just had a though on the above I could do with some help with. As stated before CL finance have been unable to provide me with the credit agreement and admit that the debt is unenforceable. Does this give me good grounds to produce to them a full and final settlement offer? I want to get this debt cleared as soon as possible and considering it is quite small maybe this is a good place to start?

Have sent an SAR request anyway, hopefully be something on there to claim ...

Ok will take a look at what options I have with regards to improving her credit score on this one, thanks! I haven't really no due to the small outstanding balance. I guess it wouldn't hurt, I assume as the status is late payments there may be some fees on there?

As it hasn't defaulted, if I was to settle it one way or another would that help her credit score/ report? Not that I'm going to, just curios...