exactly What had been the times from the Barclaycard page?

The dates regarding the standard page I cannot quite keep in mind, but i believe it had been from October 2013.

We have now raised a question along with my creditors during this time period. Seeking information on all interest and costs granted whilst under a DMP.

We have additionally required they make sure the standard times and asked for that they take them off if they’re now considered unjust.

I shall fully accept if they followed Stepchange advice, and I also recognise that at the time they were well within their rights to add interest, as per the terms of our agreement that I have no refund due to me.

i am aware am perhaps not entitled to anything from my endeavours, it appears that the behavior of bank’s are a lot more flexible and ethical, and I am only asking for them to reflect that with our history today.

Thanks to get straight right straight back. I’ll help keep you posted.

Could you advise me personally please, i will be presently in a DMP with Payplan, have now been for 4 months, have around another 12 to go, Barclaycard have actually put a standard to my credit report, We have made all repayments. I’m not in virtually any arrears that I understand down, i’ve been making repayments that have been over the minimum the thing I ended up being having to pay formerly , We rang Barclaycard and ended up being informed by the colleague that automatically if We joined right into a DMP using them I would personally be given a standard to my file, that will not yet determined for six years, since it is their policy, We queried this when I usually do not think I experienced any arrears, and as a consequence a standard is unfair and untrue, other lenders have actually put arrangement to cover back at my file, but barclaycard have placed a standard which appears really unjust, could you advise me personally the way I will get for this, additionally they stated they might maybe not see my repayments, despite the fact that I experienced made all of them.

Sara (Financial Obligation Camel) says

which means that your DMP is just enduring 16 months? Have lenders frozen interest?

I experienced debts over £5,000 and decided to spend £540 per month to solve the amount of money’s owed, I’ve made 4 re re payments thus far, all loan providers except money one have actually accepted the regards to my plan, including Barclaycard, thus I believe interest happens to be frozen.

Sara (Financial Obligation Camel) says

It really is uncommon when it comes to loan providers to freeze interest for therefore brief a DMP.

You’re not in arrears, but by requesting interest become frozen, you aren’t actually making the agreed re re payments within the initial agreement, as that will have inclded interest that is paying. We don’t understand what the Ombudsman would think if you took a grievance in their mind.

Hello my marbles complain happens to be because of the FOS (Newday) that we first got call at March 17 by having a ВЈ300 restriction. Thus I received my first ever default with a lender that is payday Smart pig in January 29th 2018 but Marbles nevertheless increased my borrowing limit from ВЈ1,000 to ВЈ1,500 in March 2018. when I ended up being maintaining the minimal payments .In August 2018 even though my account with smart pig ended up being still in default Marbles nevertheless made a decision to increase my borrowing limit to ВЈ2,250 . Since Marbles increased my balance from ВЈ300 to ВЈ1000 used to do question them to freeze the attention to my take into account an or two etc nonetheless they said they couldn’t .i was having to pay the minimum from march 17 to about june 19 many months thirty days. I borrowed more many months when that minimal payment cleared therefore the stability barely dropped ever. From March 17 to June 19 my amount of financial obligation approximately doubled perhaps also tripled if I are the Amigo loan that I became a guarantor for. We missed a significant few repayments over the 2 years leading to more fees being happened. Through the time that I utilized this card it had been more or less maxed down. We have now compensated of all card. What’s the possibility of me personally receiving such a thing..

Hi, i’m in economic difficulty and also have contacted all loan providers and consented a payment arrangement. This can include an online payday loan through satsuma. Ive pointed out that whilst the repayment has been agreed by them, the attention had been put into the mortgage in advance. Meaning i will nevertheless spend pack twice just what i lent. So they really arent actually freezing the attention. Is this practice that is common?