Will creditors contact me while I’m on a DMP?
Creditors can continue to call or write to you during your DMP. In practice, you can expect contact from creditors to reduce as long as you stick to the payments.
Contact from creditors is more likely:
- In the early stages of your DMP
- If you miss any payments during your DMP
- At points when creditors want to check if anything has changed (typically every six or twelve months).
Creditors have to send you some letters by law, and these will continue if you’re on a DMP. Examples include annual statements for some types of debt, or default notices.
If a creditor is still contacting you a lot, or pressuring you to increase your payments or pay them extra outside the plan, then let your DMP provider know.
Can I send letters from creditors to my DMP provider?
Yes, although it will be safer to scan or take a photo of letters you receive from creditors, and send them as an email attachment. There’s a risk of letters getting lost or delayed if you send them by post. If you have to send documents by post, it’s best to make photocopies of the letters and send them by recorded delivery if possible.
Call your DMP provider if you’re worried or confused by creditor letters. They’ll explain what they mean and what you need to do next.
Can my DMP provider force creditors to stop contacting me?
Your DMP provider can’t force creditors to stop contacting you. However, they’ll usually try to convince your creditors to reduce contact.
Most creditors tend to limit contact once they know you have a debt solution in place. They may still contact you just before you’re due to review your DMP. If this happens, let them know your DMP provider will be in touch once the review is complete.
Can I complain about creditors contacting me?
If you feel stressed due to creditor contact by telephone, you can politely ask that the creditor removes your number from their records. If contact persists, you do have the right to make a complaint.