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  • FIRST POST
    • sourcrates
    • By sourcrates 26th Mar 17, 12:20 PM
    • 12,427Posts
    • 11,834Thanks
    sourcrates
    DMP Mutual Support Thread - Part 12
    • #1
    • 26th Mar 17, 12:20 PM
    DMP Mutual Support Thread - Part 12 26th Mar 17 at 12:20 PM
    Welcome to the DMP mutual support thread Part 12 !!

    Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for.

    There is help on getting interest and charges stopped, how to start with an emergency fund, defaults, token payments and lots more.

    If you are in a DMP or thinking of one, this is the place to be. We are non judgmental and all questions are welcome.

    Again the old thread was getting a tad long, so time for a new one.

    The old thread can be found here :

    http://forums.moneysavingexpert.com/showthread.php?t=5285089

    Once again, i think the original "newbie" post by sazzie23 still rings true.
    Last edited by sourcrates; 26-03-2017 at 12:50 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
Page 1
    • sourcrates
    • By sourcrates 26th Mar 17, 12:32 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    • #2
    • 26th Mar 17, 12:32 PM
    • #2
    • 26th Mar 17, 12:32 PM
    Originally posted by sazzie23 but still good advice today :


    My now infamous Newbie message, slightly more generic and adapted a little.

    We have made this the second post, so newbies will be able to read it before moving on to our latest posts.

    Comments and suggestions positive or otherwise all welcome.

    Well done for getting this far, there may be a lot of activity on the thread at the moment, many newbies who are posting, not so new newbies still DMP`ing and quite a few lurkers at a guess (that's OK, we don't mind, one day you'll feel up to posting and smile about how worried you were).


    So some general Newbie Advice, setting up and starting out is probably to most people the most difficult time you will face in your DMP, so don't panic if it all seems scary and too much . Facing up to the fact you can no longer pay your debts is a massive step and very confronting for many people, this is life changing stuff so worrying is absolutely normal.

    Now you've done the horrid thing of adding it all up (often a shock) you've worked out (with SC or whoever) how much you can pay back, that's the crucial bit done, just a matter of getting the paperwork sorted.

    Despite SC being the largest debt charity, some call centre people know nothing about them, that's ok, they are just ignorant, don't let it worry you.
    All debt collection sections know about SC, some are better equipped to deal with it than others. Often the people at the front end that you speak to know nothing about how the system works, remember, you do, you are better equipped than them, don't let them scare you.

    It doesn't matter if you choose to DIY DMP or SC, the plan is the same, you are paying them what you can afford and they can't have anything else. If they 'reject' the plan, tough luck, keep paying it just the same, they'll get with the program at some point.

    Some creditors will let you know they have accepted, some will just accept it and show something on the statement, some will not say anything but just stop or reduce your interest, HBOS and BC will probably still charge you interest in some form, don't panic over it, it extends your DFD but there are things you can do, start on page 1 of the thread when you have a spare few hours and then decide what to do.

    Overtime and non regular bonus payments, no you don't have to declare these, and you can choose to save them to your emergency fund, make some extra repayments to reduce your DFD, save up for F&F payments when you get enough, or even....shhhh ...spend them on a little treat but don't tell anyone. Most people go for a combination of the above, all depends on your priorities.

    When you start out and your DFD is generally 4-10 years away, you think, I want to pay as much as I can straight away so the creditors think I'm doing my best. Actually I don't think they care much, as long as you keep in touch and keep paying what you agree - so don't cut your budget so fine that you are having 4 years of hell instead of 6 years in moderate comfort. I'm not saying do your shopping at M&S, and have 4 holidays a year, but just leave yourself the option of buying a cake at birthday time, a new pair of shoes for DD and maybe a very cheap caravan break once a year.

    Try to get yourself an emergency fund before you start, savings, selling things or making token payments for a while.

    Default letters are good, they look scary but they mean the creditor is actually looking at what you pay and putting your account into limbo. If your account goes to a DCA this is usually good and they are mainly not the scary people you see on the TV, they have all been very reasonable, and just want you to keep in touch and keep paying.

    There will be wobble times, if you have to reduce a payment, when a creditor starts grumbling or just because your DFD seems a long way off, but we've all done it, you come here log on and we'll all get through it together.

    If you are having trouble with creditors, eg Someone not playing ball with sticking to what they promised, or getting information mixed up when they shift to a DCA. I'd continue to pay, the payments seem to get to where they should eventually, but if you are worried, send a recorded delivery letter to the collections team at the creditor, quoting your account number and SC ref and saying this is what is happening, these are the payments that have been made, please make your sure your accounts are up to date and then ask them to reply to you in writing so you have confirmation. It does take several months for an account to get over from creditor to DCA and often the information is limited but it's just like the original set up and the DCA will let you know to change the payments in SC, and you can just log in and do it.

    Get stuff in writing, from them to you or you to them, then there is no mistake.

    I hope this helps, there are lots of scenarios I haven't covered, but in the main it's grit your teeth, keep plodding through and it will all settle down.

    One day soon, you will be able to say l will be debt free next year
    Last edited by sourcrates; 26-03-2017 at 2:49 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • beerow
    • By beerow 26th Mar 17, 1:06 PM
    • 49 Posts
    • 662 Thanks
    beerow
    • #3
    • 26th Mar 17, 1:06 PM
    • #3
    • 26th Mar 17, 1:06 PM
    Hi,
    Have been reading the board with interest over the last few weeks and finally bit the bullet and contacted Step Change last week. Am in the process of setting up a simple bank account. Just a quick question...when I spoke to Step Change I estimated our debt and they sent through an agreement for us to sign but on adding up what we owe I was about 2k short. Will I have to start the process again?
    • sourcrates
    • By sourcrates 26th Mar 17, 1:53 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    • #4
    • 26th Mar 17, 1:53 PM
    • #4
    • 26th Mar 17, 1:53 PM
    Hi,
    Have been reading the board with interest over the last few weeks and finally bit the bullet and contacted Step Change last week. Am in the process of setting up a simple bank account. Just a quick question...when I spoke to Step Change I estimated our debt and they sent through an agreement for us to sign but on adding up what we owe I was about 2k short. Will I have to start the process again?
    Originally posted by beerow
    Hi,

    No you should be ok.

    The balances will change anyway, as not all of your creditors may stop interest straight away.

    Each creditor will reduce your balance accordingly as payments are received, and you can ask for a statement of your remaining balance at any time.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • beerow
    • By beerow 26th Mar 17, 2:04 PM
    • 49 Posts
    • 662 Thanks
    beerow
    • #5
    • 26th Mar 17, 2:04 PM
    • #5
    • 26th Mar 17, 2:04 PM
    Thank you so much for replying. Have got to ring my creditors tomorrow to advise we are working with Step Change and I was worried that my agreement would be void because I had given the wrong amount. Shall I call Step Change in the morning to advise them the revised amounts?
    • sourcrates
    • By sourcrates 26th Mar 17, 2:11 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    • #6
    • 26th Mar 17, 2:11 PM
    • #6
    • 26th Mar 17, 2:11 PM
    Thank you so much for replying. Have got to ring my creditors tomorrow to advise we are working with Step Change and I was worried that my agreement would be void because I had given the wrong amount. Shall I call Step Change in the morning to advise them the revised amounts?
    Originally posted by beerow
    Yes call Stepchange and they will update there systems.

    A DMP is not a regulated agreement like a DRO or an IVA, so you dont have to be 100% accurate on your figures at the start.

    Its a very informal process.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • beerow
    • By beerow 26th Mar 17, 2:17 PM
    • 49 Posts
    • 662 Thanks
    beerow
    • #7
    • 26th Mar 17, 2:17 PM
    • #7
    • 26th Mar 17, 2:17 PM
    Thank you so much, I have been making myself ill with worry....but then when you owe 43k I suppose another 2k is neither her or there! Will I still keep my original repayment plan or will I have to go through my expenditure again?
    • sourcrates
    • By sourcrates 26th Mar 17, 2:22 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    • #8
    • 26th Mar 17, 2:22 PM
    • #8
    • 26th Mar 17, 2:22 PM
    Thank you so much, I have been making myself ill with worry....but then when you owe 43k I suppose another 2k is neither her or there! Will I still keep my original repayment plan or will I have to go through my expenditure again?
    Originally posted by beerow
    Just stick to whats already been agreed for now, or go with what stepchange advise when you ring them.

    All will be fine, its just a tiny stumbling block, nothing major.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • carbootcrazy
    • By carbootcrazy 26th Mar 17, 2:56 PM
    • 4,134 Posts
    • 23,245 Thanks
    carbootcrazy
    • #9
    • 26th Mar 17, 2:56 PM
    • #9
    • 26th Mar 17, 2:56 PM
    Hi,
    Have been reading the board with interest over the last few weeks and finally bit the bullet and contacted Step Change last week. Am in the process of setting up a simple bank account. Just a quick question...when I spoke to Step Change I estimated our debt and they sent through an agreement for us to sign but on adding up what we owe I was about 2k short. Will I have to start the process again?
    Originally posted by beerow

    Welcome to DMPland

    Don't worry about your debt totals when first contacting SC. I expect they're used to people making mistakes at the outset, it's a very worrying and confusing time for most of us and it's very easy to get a bit flummoxed by the whole thing. As you've been advised by sourcrates, just phone SC and get it sorted out. They'll help you and advise the best way forward. They don't bite


    Just one point, SC can only work from the figures we give them, they don't have access to our credit reports/files (or so the advisor I spoke to told me). The running balance that will appear on your monthly SC statements will reflect the initial balance to each creditor that you told SC that it was at the outset minus whatever has been repaid that month. For accuracy (for your benefit as much as anything) it's best to start with the true figures.


    Please don't beat yourself up about starting with a £43K debt. I started at just under £57K and I'm already more than half way through paying it off. The time seems to have gone fairly quickly and starting a DMP was the very best financial decision I ever made (although most of my others were pretty dire)


    Good Luck with everything
    Last edited by carbootcrazy; 26-03-2017 at 3:03 PM.
    Make £10 A Day Challenge 2017. Jan-Oct: £4500 ish
    Signing off for 2017, already smashed my year's target
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there. Balance so out of date, must update asap!
    • beerow
    • By beerow 26th Mar 17, 6:21 PM
    • 49 Posts
    • 662 Thanks
    beerow
    Thank you, I think I'll feel better after I've spoken to the creditors tomorrow. Feel so ashamed of myself for letting it spiral out of control without admitting it was a problem!
    • motivated
    • By motivated 26th Mar 17, 7:48 PM
    • 2,273 Posts
    • 3,391 Thanks
    motivated
    Thank you, I think I'll feel better after I've spoken to the creditors tomorrow. Feel so ashamed of myself for letting it spiral out of control without admitting it was a problem!
    Originally posted by beerow
    Don't beat yourself up about it. I am in the same boat as you, but a lot deeper. I was ashamed, buried my head, thought I could cope, balance transferred CCs, consolidated debt. Basically robbed Peter to pay Paul. (Or robbed Barclaycard to pay MBNA or vice versa) Until I accepted I was in waaayyy over my head.

    You have made the first step and admitting you need help is the biggest step I feel. Once I contacted SC the stress seemed to lift they have been amazing and I could see clearly for the first time in years.

    I am just starting out on my DMP journey and am actually looking forward to it.

    Good luck
    M
    I have arrived in DMP land and I like it, I may stay a while
    Short term goal £735/£1796

    SPC # 91
    • January2015
    • By January2015 26th Mar 17, 8:45 PM
    • 1,757 Posts
    • 4,746 Thanks
    January2015
    Thank you, I think I'll feel better after I've spoken to the creditors tomorrow. Feel so ashamed of myself for letting it spiral out of control without admitting it was a problem!
    Originally posted by beerow
    As motivated says - don't fret over this. Our unsecured debt (hubby and me) was over £100k at one point. We sold a car to bring it down to just under £96k and then realised we were sinking sunk anyway and we joined this forum and contacted SC for help.

    We stuck with SC for one year. They were fantastic and taught us discipline with our budget, but they were inflexible when it came to 'playing the game' of fighting for zero interest and defaults - especially thinking of Barclaycard here. So after a year we left SC and went self managed. We love our DMP, we love watching our debts fall - they are all defaulted now, all on zero interest and we have already negotiated one full and final settlement and are looking at the next one we could target for that. We wouldn't have been able to do that creditor by creditor with SC as they insist you treat all creditors equally. 2 years, 2 months into the journey and we've cleared almost £28k now. It's much nicer to think our debt total is in the £60ks than the £90ks.....little steps but we will get there.

    Life has not been so happy for ....oh goodness I can't remember how long since we've be not worrying about money and the stress of that led to general stress in our lives......not any more.

    Welcome to DMPland - we all look forward to getting to know you and supporting you on your journey to becoming debt free
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    Xmas 2017 £1 p/day challenge No. 20 - £420/£730
    Make £10 p/day Feb £74.31, Mar £664.37 Apr £40
    • serious debt
    • By serious debt 26th Mar 17, 9:41 PM
    • 30 Posts
    • 9 Thanks
    serious debt
    Hi all, I posted late last night in Part 11 with some questions, just as Part 12 was opened. should I copy my post into this new Part 12 or leave it where it is?
    • sourcrates
    • By sourcrates 26th Mar 17, 9:54 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    Hi all, I posted late last night in Part 11 with some questions, just as Part 12 was opened. should I copy my post into this new Part 12 or leave it where it is?
    Originally posted by serious debt
    Just copy and paste it on this new thread.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • serious debt
    • By serious debt 26th Mar 17, 9:57 PM
    • 30 Posts
    • 9 Thanks
    serious debt
    Just copy and paste it on this new thread.
    Originally posted by sourcrates
    Thank you, Here it is...
    Hi everyone, I have been in my DMP for over six years now and about 200 years to go, i am not joking.
    All my debts except 3 have now dropped off my credit file. And here are my questions if someone can help please and give me some advice.
    Are all debts, credit cards, bank loans, car hire purchase etc supposed to be defaulted about 3 months into my financial crisis?
    My three accounts still showing are.
    1) Barclaycard,Acc Opened in 1981, now a closed account managed by Link. defaulted by BC in Nov 12 and not reported, Link then wrote to me and said they had got it all wrong and would note the default as Feb 15. This account went into financial meltdown in 2010.
    2)Fly B/Sygma bank, opened in 2008 managed by Lowell, Showing as an open account despite being in financial hospital since 2010. Wrong address on credit file and never defaulted.
    3)Black Horse car HP now with Capquest. opened in 2008, again into critical care in 2010. Balance owed after car sold. Shows as an open account on my credit file despite being defaulted in 2010.
    My DMP is paying about 0.03% of total debt per month so you can see why its still got years to go. There are 17 creditors in total. Phew!!!!! Its an interesting journey.
    Thank you for reading and look forward to your advice.
    Last edited by serious debt; 26-03-2017 at 10:02 PM. Reason: wrong date feb 13 should have been feb 15
    • sourcrates
    • By sourcrates 26th Mar 17, 10:42 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    Thank you, Here it is...
    Hi everyone, I have been in my DMP for over six years now and about 200 years to go, i am not joking.
    All my debts except 3 have now dropped off my credit file. And here are my questions if someone can help please and give me some advice.
    Are all debts, credit cards, bank loans, car hire purchase etc supposed to be defaulted about 3 months into my financial crisis?
    My three accounts still showing are.
    1) Barclaycard,Acc Opened in 1981, now a closed account managed by Link. defaulted by BC in Nov 12 and not reported, Link then wrote to me and said they had got it all wrong and would note the default as Feb 15. This account went into financial meltdown in 2010.
    2)Fly B/Sygma bank, opened in 2008 managed by Lowell, Showing as an open account despite being in financial hospital since 2010. Wrong address on credit file and never defaulted.
    3)Black Horse car HP now with Capquest. opened in 2008, again into critical care in 2010. Balance owed after car sold. Shows as an open account on my credit file despite being defaulted in 2010.
    My DMP is paying about 0.03% of total debt per month so you can see why its still got years to go. There are 17 creditors in total. Phew!!!!! Its an interesting journey.
    Thank you for reading and look forward to your advice.
    Originally posted by serious debt
    In theory creditors are supposed to default you after 3-6 missed payments, in practice sometimes this does not happen.

    Any problems regarding defaults should be addressed to the original creditor, normally a written complaint, then if no joy, escalate to the ICO who will look into it for you.

    On a side note, have you sent CCA requests to all your relevant accounts ?

    Accounts dating from 1981 are unlikely to still have paperwork available.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • serious debt
    • By serious debt 26th Mar 17, 10:59 PM
    • 30 Posts
    • 9 Thanks
    serious debt
    In theory creditors are supposed to default you after 3-6 missed payments, in practice sometimes this does not happen.

    Any problems regarding defaults should be addressed to the original creditor, normally a written complaint, then if no joy, escalate to the ICO who will look into it for you.

    On a side note, have you sent CCA requests to all your relevant accounts ?

    Accounts dating from 1981 are unlikely to still have paperwork available.
    Originally posted by sourcrates
    Its an interesting point that I have thought about and read much about on here. However if they do send me some paperwork, my thoughts are, that I will have no understanding of what is in it. I have quite sevear anxiety and other mental health problems, so paperwork is not my strong point. Maybe I should get on with it and then ask questions on here later. Do I understand its only worth writing to creditors with agreements before 2007 (April?).

    Its like having a full time job managing this DMP even though I have a company managing it (free). I am trying to sort out all the wrong info on my credit report, finding out if I had PPI. Keeping them updated on my mental health issues, which caused this vast debt. I had a great job once with a fantastic credit line. Then mental health hit the fan and the world fell apart! But I am still alive.

    Thank you so much for your help.
    • sourcrates
    • By sourcrates 26th Mar 17, 11:22 PM
    • 12,427 Posts
    • 11,834 Thanks
    sourcrates
    You can send a CCA request to any of your (relevant) accounts, no matter what the age of the debt.

    If they respond with a copy (reconstituted or original) of a credit agreement, then so be it.

    Pre April 2007 accounts must contain the prescribed terms in force at the time (we can help determining that).

    CCA only applies to running credit accounts such as loans, credit cards, catalogue accounts etc.
    It does not apply to an old over draught, or a mobile phone contract.

    Use this template letter, and enclose the £1 statutory payment for each one :

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Information-about-your-agreement-under-the-Consumer-Credit-Act-%28sole-name%29.aspx
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • serious debt
    • By serious debt 26th Mar 17, 11:31 PM
    • 30 Posts
    • 9 Thanks
    serious debt
    You can send a CCA request to any of your (relevant) accounts, no matter what the age of the debt.

    If they respond with a copy (reconstituted or original) of a credit agreement, then so be it.

    Pre April 2007 accounts must contain the prescribed terms in force at the time (we can help determining that).

    CCA only applies to running credit accounts such as loans, credit cards, catalogue accounts etc.
    It does not apply to an old over draught, or a mobile phone contract.

    Use this template letter, and enclose the £1 statutory payment for each one :

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Information-about-your-agreement-under-the-Consumer-Credit-Act-%28sole-name%29.aspx
    Originally posted by sourcrates
    Thank you very much, this site is so useful and friendly.
    So my old Overdraft set up in 1978 is a non starter! But the other 16 mostly being credit cards and a couple of car loans/hp thingies can all have a cca request. I have been worried about upsetting them!!!!!!!

    Big big learning curve, thanx
    • Sazzie23
    • By Sazzie23 27th Mar 17, 12:35 AM
    • 2,612 Posts
    • 10,485 Thanks
    Sazzie23
    Its an interesting point that I have thought about and read much about on here. However if they do send me some paperwork, my thoughts are, that I will have no understanding of what is in it. I have quite sevear anxiety and other mental health problems, so paperwork is not my strong point. Maybe I should get on with it and then ask questions on here later. Do I understand its only worth writing to creditors with agreements before 2007 (April?).

    Its like having a full time job managing this DMP even though I have a company managing it (free). I am trying to sort out all the wrong info on my credit report, finding out if I had PPI. Keeping them updated on my mental health issues, which caused this vast debt. I had a great job once with a fantastic credit line. Then mental health hit the fan and the world fell apart! But I am still alive.

    Thank you so much for your help.
    Originally posted by serious debt
    You are doing great, and every little step, payment or PPI reclaim is a step towards that debt free date. Make sure you own the debt rather than it Owning you, and that means having time to spend on other things and thinking about other stuff than debts and budgets. This will in help your recovery.

    Thanks for joining us, we love company

    Saz
    Debt -it's a fight that I'm winning, dealing with debt one day at a time.
    Estimated DFD August 2018 - 2031 - now 2027

    Guide dog Tess, missing Scotland 2 years

    DMP support no438.
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