DMP Mutual Support Thread (Part 5)

fermi · 17 December 2008 at 2:48PM

Once again the old thread was getting a bit large, so here is a fresh thread.

The previous thread can be found here: Click ---> DMP Mutual Support Thread (Part 4)

This is the latest list I can find, unless anyone else can spot a more updated version?

rayday?

rayday2 wrote: »

Members Numbers:

95 Kelly 1
teecee 2
Ex-spenaholic 3
Smilealot 4
Huntress 5
sea78 6
gemmzie 7
goldigger 8
IDAAS 9
Bloody HEll 10
Joek 11
Jumps 12
shearerbobs 13
Bluediamond 14
ashden 15
newgirl 16
lonely 17
emmy1 18
leixlip1 19
greengrocer 20
daisyblue 21
scared 22
njc12 23
franny 24
bessy 25
neith 26
rustybucket 27
kevster1009 28
fay66 29
valleys girl 30
totallyfedup 31
newlywed 32
brassicks 33
vpmamt 34
4maxine 35
looby75 36
nugsfarnham 37
yellowmonkey 38
amani 39
dlb 40
ticktock1973 41
auntie pie 42
pan 43
alfredsmum 44
llewelyn 45
vickaycon 46
Scottishmummy 47
wewillclearthis 48
Winkus 49
ilovegreatdanes 50
hopeful 51
mioliere52 52
charlie2301 53
readhead999 54
VivCk 55
dumb debtor 56
Cuba Cat 57
Lennymfo 58
Michelle73 59
welshjojo 60
craftingqueen 61
onamission 62
rayday2 63
sweety83 64
lonelytoo 65
Dreamer999 66
everclear1973 67
DrJekyll 68
ankleshaggers 69
lily-ella 70
bowz25 71
LoubieLou 72
itsalldrivingmemad 73
rainbowsapphire 74
cath 75
toasti 76
Heregoes! 77
lonely2 78
Pompeymark88 79
worrygirl 80
eripmav 81
xgingerx 82
Katchambers 83
Boltonbwfc 84
Coochycoo 85
Knotty29 86
itsnowtime 87
tinytot143 88
Jaks 89
Stillsmiling 90
MadDogWoman 91
Weezypoos 92
Weemac 93
Pinkkat8910 94
SortingIt 95
Archer85 96
JacksXXX 97
Sofa_bean 98
Surfer_Chicky 99
JillyOJolly 100
CharliesAngel 101
Chipbeck 102
Spendthrift66 103
BluePanther 104
Jodenice 105
Orpheus 106
donnacarteruk 107
mummytofour 108
debtman2007 109
debrag 110
cloudnine 111
moneydesperatex 112
Compulsivespender79 113
Limana68 114
Stargazeratdawn 115
KeelyJrs 116
TakeittotheLimit 117
Sallyx 118
Amyv 119
learnthehardway 120
monkey22 121
Janey51 122
tracytaxi 123
Bigdi 124
Sanshing 125
ald65 126
piptom&AndyPandy 127
CBI 128
tara66 129
barbie doll 130
afur 131
GlassHalfFull 132
timetobefree 133
Alex Fyfe 134
geoffmr1 135
tomandjerry 136
Gooner87 137
Sam89 138
telboy99 139
MUMMYMOO 140
Marru 141
Mogminnie 142
Debtfree2015 143
pinksparkle82 144
UKroseblue 145
Gingerish 146
Whoopiedoodle 147
mumzyof2 148
madrocks 149
Carlos700 150
Coolmum 151
Lovella 152
Kitty 153
Tinkerbell12 154
10past6 155
ailsajayne27 156
mazmc 157
ticklepenny 157
loopylu36 158
tickertyboo 159
maz1964 160
Shineyhead 161
Creditwreck 162
fedupandworried 163
lisabell 164
gonna be 165
Dski 166
Geddy 167
Skibadee 168
tass 169
Tigert 170
Silou 171
Reformed Shopaholic 172
hamsterpoo 173
milliejon 174
indebtstudent 175
rugby6ft8 176
Violet1 177
Andytwonames 178
Donedoingdebt 179
sunshine38 180
lostalot 181
Hollyb 182
Angeldiva 183
Piggsy 184
longforthesun 185
Wen3 186
moneysavingmumofone 187
Just Me 188
HollyB 189
Jvic28 190
Therelda 191
Itsnowtime 192
Angel Cake 193
MclarenGurl 194
So Sad Angel 195
Shazand 196
louietudor 197
tishywish 198
simbalou 199
spent too much money 200
lmw1977 201
GOLDGPR 202
katyw 203
kebabed 204
Mary Mungo + Midge 205
mummum2 206
Jackie710 207
kpwll 208
ben79 209
Griswold 210
Toffee Penny 211
Numpty Monkey 212
pinksparkle 213
Alpinestar 214
flounder1 215
Ikkle 87 216
archers addict 217
Claireyfairy31 218
Singsalsing 219
Yummy-mummy 220
Lisa-r 221
very silly and scared 222
Johnny Madrid 223
Murraymint 224
NW-ANGEL 225
at_my_wittsend 226
want2bfree84 227
tranceaddict 228
lottsacats 229
Symesd 230
sarriep 231
Rabbit-in-headlights 232
mouncey 233
Zoeysmumof6 234
gilligansyle 235
markey77 236
Etherelda 237
Kudox 238
Althea 239
JES_F1 240
Nicki-Sue 241
TotallyBrassic 242
ianmak 243
skintandscared 244

Gemmzie · 17 December 2008 at 2:52PM

Thanks Fermi. I think we need an intro post for these threads, anyone want to help "build" one?

fermi · 17 December 2008 at 2:56PM

Gemmzie wrote: »

Thanks Fermi. I think we need an intro post for these threads, anyone want to help "build" one?

If you all want to put one together, then I'll happily edit the first post of this thread to include it.

Then when the time comes again for a new thread, one of you or a BG can use it.

All the contributors to the threads are probably the best at deciding what needs to be said at the start.

redkev76 · 17 December 2008 at 3:54PM

Hi

Quick question, I have been on the CCCS/debt remedy and come up with a payment of around £220 a month for a £18000 debt but not done the registration form yet but am looking at starting a DMP in about 3 months time. Can anyone on a DMP let me know what the CCCS will need to see from me in terms of bank statements or anything like that please? Will they just accept what I tell them my outgoings are or will they need proof. If so, how many months statements etc do they normally ask for?

Thanks for your help and good luck to all of you on DMPs

Kevin

newlywed · 17 December 2008 at 4:23PM

redkev76 wrote: »

Hi

Quick question, I have been on the CCCS/debt remedy and come up with a payment of around £220 a month for a £18000 debt but not done the registration form yet but am looking at starting a DMP in about 3 months time. Can anyone on a DMP let me know what the CCCS will need to see from me in terms of bank statements or anything like that please? Will they just accept what I tell them my outgoings are or will they need proof. If so, how many months statements etc do they normally ask for?

Thanks for your help and good luck to all of you on DMPs

Kevin

Hi they ask for proof of income - one wage slip - and your latest statements from your debts (ie latest credit card bill etc).

That's all. They don't ask for proof of outgoings but do have a limit on what is considered "reasonable" for your situation (eg food costs if you are single, married etc).

Obviously the higher you put your outgoings, the longer it will take to pay it off though

newlywed · 17 December 2008 at 4:25PM

Also, I think the intro for this thread should refer people to CCCS/Payplan, NDL etc for advice and also comment on what a DMP is (I didn't have a clue what it meant when I came on here, had never even heard of a Debt Management Plan

).

I know the links are in fermi's signature but if there was a comment as to why they are the best source of advice (free) that might help.

Broken_hearted · 17 December 2008 at 4:29PM

Do I still count as being on a DMP when there is only one creditor left on a reduced payment?

redkev76 · 17 December 2008 at 5:36PM

Thanks newlywed

That seems fair enough. Anything else that I need to bear in mind before I enter into one other than the obvious stuff like I can't get any more credit etc? For example, i'm thinking that if I spend anything on non-essentials the month before I go on it I should use cash and not use my bank card as they may look unfavourably on it if I have card payments in a pub or restaurant even if they are only very small.

Thanks again

newlywed · 17 December 2008 at 5:50PM

redkev76 wrote: »

Thanks newlywed

That seems fair enough. Anything else that I need to bear in mind before I enter into one other than the obvious stuff like I can't get any more credit etc? For example, i'm thinking that if I spend anything on non-essentials the month before I go on it I should use cash and not use my bank card as they may look unfavourably on it if I have card payments in a pub or restaurant even if they are only very small.

Thanks again

Well I bought food shopping and petrol etc on my cards the month before the DMP - one said they refused the DMP due to recent use of the card but then accepted a couple of months later.

I would say you have to budget for everything in the future - it's a hard thing to learn

for me anyway

So car repairs, mot, new tyres etc - you need savings accounts to squirrel away the money where you won't touch it

I've had to open a couple of accounts without online banking so it's a bit more difficult to get to as I keep spending my MOT money on food and the gas meter

And I'd say add a bit of leeway into your figures so that when petrol goes back up and food carries on rising, you don't need to ask for a review after 2 months - although you can of course request reviews when your circumstances change - I've recently reduced my payments after 18 months on the DMP due to no pay rise but rising food, petrol, rent, gas etc. No-one has complained

newlywed · 17 December 2008 at 5:56PM

And just to add....

I miss spending sprees on clothes and shoes (now shop in charity shops and ebay to get more clothes for my money

I miss holidays and when everyone asks where you're going this year... it stinks!

Just have to remember I never really had the money for those things and that's why I'm in this mess

MurrayMint · 19 December 2008 at 12:13AM

Hi new thread!!

Newlywed - so know what you're describing... I miss mindless spending sprees - it's a deep longing that I don't think will ever go away completely. Madness!

My news... still waiting for CCCS to call back for a review to up my payments. Hmmnnn, maybe this is no bad thing, as I get to keep a bit more cash for a month or 2 over Christmas!

DMP Mutual Support Thread (Part 5)

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