It and the debt paid off by the time I re-mortgage would that be a good option if I opted for a secured loan but had? Sara (Debt Camel) says \u0432\u0402\u045aSo for it makes no difference if I got the interest stopped but still made the minimum payment they were asking ? It's still since bad as a DMP?\u0432\u0402\u045c The FCA hasn\u0432\u0402\u2122t stated just exactly what should take place in this example. Seeking interest become frozen can be an arrangement to cover significantly less than the contractual norm. Sorry however if you may be wanting to place down a DMP into the hopes that this new persistent bank card laws should come to your rescue, that is not likely an excellent concept. Large secured personal loans have a tendency to be for more compared to the 4 years until your present ends that are fix. And never since low priced as you may hope if the credit history is certainly not good. Do your self a huge favour and keep in touch with StepChange. Because you can afford the repayments, well at least you know where you stand if they say you don\u0432\u0402\u2122t qualify for a DMP. I\u0432\u0402\u2122m sorry if here is the incorrect forum, and I also completely appreciate that everything you do let me reveal free and I also applaud you all for the. Me personally and my partner had been under a DMP between 2013 \u0432\u0402\u201c 2017. While having because been living very very carefully within our means. Recently I received a reimbursement from Barclaycard that we had not been anticipating. But after reading numerous threads, wonder if i will follow the approach that is same all my creditors through that time. Will there be a template page for my situation, where i will compose every single specific creditor asking to refund any interest and fees they used within my DMP. My economic trouble extended outside of my time with Stepchange, but I nevertheless made each re payments on time. Therefore are not able to demonstrate this with evidence. Nevertheless; it was during the detriment to my cash that is spare for and life style, and my mental health. I became maybe perhaps not made conscious of any assistance that would be made available from some of my creditors and seemed out Stepchange myself. Will there be any such thing i could pursue outside of this time around. Possibly lending that is irresponsible? Additionally, we enquired with Barclaycard that they are not considering this with any customers whether they would consider refunding interest and charges applied to my account outside of the dates in the letter, but they refused, and stated. We raised as grievance but had been told the exact same together with problem had not been upheld. Is this real? We appreciate any guidance you will give on any of this points offered above. Sara (Financial Obligation Camel) says You could attempt a page across the following lines: \u0432\u0402\u045are account number 9999999 Dear Sir I happened to be in a DMP with StepChange between 2013 and 2017. StepChange asked you to definitely freeze interest and costs, you failed to do that. These additional costs you included I was in debt unreasonably while I was in a DMP prolonged the time. Almost all of my creditors decided to freeze interest and costs. I wish to request you to refund me personally the interest that is extra costs you included. Yours faithfully, Sign & date\u0432\u0402\u045c But have you figured out which creditors did freeze interest n\u0432\u0402\u2122t? Many creditors do. It will be unjust to deliver this page to all or any creditors including those that did freeze interest.