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DMP & Mutual Support Thread - Part 8
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# 41
sickasachip13
Old 12-01-2012, 3:27 PM
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Join Date: Oct 2010
Posts: 1,145
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Oh, interesting. Thai baht is what I've got, one note and some coins. I've also got about a million Cambodian dong, which is actually worth about a fiver, but can't be changed in this country. I'm off to look at ebay thanks.
SAAC
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# 42
sickasachip13
Old 12-01-2012, 3:30 PM
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Join Date: Oct 2010
Posts: 1,145
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Hi LittleHippyHop,

Well done on getting everything organised. I haven't heard of the insurance situation being a problem before. I guess, if I were you, I'd let the policy run and then change anyhow (look at moneysupermarket or similar for comparisons).

Yes, there will be letters and phone calls but, for most people, they don't last long. If it stresses you unplug the phone / set the answer machine to answer straight away. Do any of the creditors have your mobile number? None of ours did and, when they phoned on the landline and said 'I'll just update your details...can I have your mobile number?' I just said i didn't have one.

Best of luck,
SAAC
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# 43
hopeful1983happy
Old 12-01-2012, 3:44 PM
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Join Date: Nov 2007
Location: Birmingham
Posts: 29
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Just wanted to say thanks for all the advice re reducing payments.... am going to ring CCCS once I get all my figures sorted out.

Thanks for all the help guys.

Also, just wanted to echo what everyones else has said about the stress of setting up a DMP. Once you get through the intial process it is brilliant - no more phone calls or letters and you can live your life without the sleepless nights. Keep at it guys you will get there.

lol H1983H x
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# 44
2spicy
Old 12-01-2012, 4:33 PM
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Join Date: Nov 2008
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Quote:
Originally Posted by bitbot View Post
Hi All

Any advice greatly recieved. Halifax have also suggested in the letter that it may be an option to pass the debt over to the recoveries department, which would mean a default notice been issued, however more likely to freeze interest and charges....would most people pursue this option? I hope this makes sense! any advice greatly appreciated!

If they are suggesting this, then embrace it asap ... Recoveries people are easier to deal with, they have more "power" to be understanding if you know what i mean. They ARE more likely to take what they can so reduction in interest is quite possible.

Have you also argued that by charging the high interest in the first place, they are already taking advantage of you in a vunerable situation?
Lightbulb Moment - Oct - 08 DMP Started - Feb -09
Total Debt - 73,386 .00Current Debt - 16,929.67
DMP Support Member - 259 - DFD - Jan 2015 August 2016
(thanks to Barclays for charging interest)

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# 45
2spicy
Old 12-01-2012, 4:52 PM
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As we enter Year 4 of our DMP, looking back weve been able to increase our monthly payments from 570 a month to 700 a month. We have played the debt game, traded on ebay / boot sales and rationalised our cars. We have shopped around and even missed 2 family holidays.
Mrs Spicy gave up work when the second baby Spicy was born, this saved us almost 1000 a month in Nursery fee's and also a saving of 300 a month for before and afterschool care for our eldest little Spicy one. Part time work at the local Asda for the weeks leading up to Christmas gave an extra 100 a week into the Christmas fund, that ensured we had a cracking festive season and refilled the cupboards to bursting with 2 for 1 and BOGOFF deals.

The Mobile phone contracts ended on the 5th January, and thanks to a superb deal found on MSE we have a pair of iPhone4S 's free to replace our old phones with the monthly contracts reduced by almost 50% what we were paying previously and thanks to Mazuma-mobile, we are waiting for a cheque for 180 for our old mobiles

Next years Christmas presents were also purchased in the January sales and we hope to beable to do a family break this year

Our Total debt has gone down from 69,000 to now just under 39,000 and we have another 3 years left.
Our Plan is to be in a position to increase our repayments and be debt free before Mr'Spicy's 40th Birthday!.

Were not putting this on here to show off, but for inspiration to people out there just starting ... Play the game, keep enough back for the family where possible and if you look hard enough, there is money out there, you just have to find it.
Lightbulb Moment - Oct - 08 DMP Started - Feb -09
Total Debt - 73,386 .00Current Debt - 16,929.67
DMP Support Member - 259 - DFD - Jan 2015 August 2016
(thanks to Barclays for charging interest)

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# 46
sickasachip13
Old 12-01-2012, 5:35 PM
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Wow, spicy family, you're an inspiration to all us DFWs and DMPers. Absolutely amazing, well done.
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# 47
Wannabefree1
Old 12-01-2012, 6:37 PM
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Update from moi

Had my first credit card statement arrive today from Barclaycard. No interest or charges but has been passed to mercer who are evil aren't they?? :s

Lloyds credit card statement available on line - no charges but full interest (after confirming with Payplan it would be at a reduced %!!!). And now my debt with them will increase by 15 a month . Have batted an email off to Payplan to ask them I they can challenge the interest seeing as it was them they put it in writing to that it would be at a reduced level. Not sure if they will contact them or whether I'm going to have to do it myself - however I still have nothing in writing from them about the agreement.

So a very mixed emotion day
SPC5 #1457 Long hauler #293
LBM 12/11
Debtbusting -DMP 01/12 - 48832.04/48806.91
400 to friends and family 250 Payday loan
250 O/D
Fatbusting - 126lb/66.5lb over half way now!
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# 48
sickasachip13
Old 12-01-2012, 6:41 PM
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The good thing about debt being passed to a DCA is that at least the % stops.

Lloyds statement - I suspect the online thing just hasn't been updated, this happened to us to, at the beginning.

Definitely keep in touch with Payplan about it all and Hang in there.
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# 49
Mort
Old 12-01-2012, 7:45 PM
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Quote:
Originally Posted by hopeful1983happy View Post
Hi Everyone,

We are coming up to our 1 year review and unfortunatley our income has gone down a little and we all know that prices are going up....

I jsut wondered has anyone had any experience of reducing their payments and the creditors reaction to this? I am a bit scared they will get all aggressive if we have to reduce them. I think we will we have really struggled the last few months mainly due to the reduced income.

Any thoughts would be appreciated.

Thanks H1983H
This happened to us. Just gave all the details to Payplan and payments went down. I don't recall any problems.
Proud to have dealt with my debts, became debt free on 03/11/2011. Repaid 54,723.41 LBM May 2006.
Debt Free Roll Of Honour #504
2 Savers Club 2012 #200 = 88, 2013 #200 = 6/88, 2014 #200 = 152/150
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# 50
LittleHippyHop
Old 12-01-2012, 7:56 PM
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Thanks SAAC. I'm going to shop around and look for some different cover. It was actually reading your CCCS blog and some of your posts here that gave me that push to go with CCCS so thanks for that as well!
With regards to phone calls, today is the first day in a while I haven't received any but I'm sure it won't last. I had fallen behind with a couple of payments and was receiving a stupid amount of calls from various numbers (the same company would ring from various numbers as I wouldn't answer in the end.) Should I be hearing from all creditors myself? I have already heard from Capital One thanking me for advising me of my situation and saying they will send out further details of the reduced payment plan and dates (not sure about this but haven't had chance to ring so waiting for this letter). I haven't heard from anyone else as of yet.
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# 51
bitbot
Old 12-01-2012, 8:01 PM
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Quote:
Originally Posted by BevieB View Post
Did the FSO write to you about your complaint? If not why dont you ring the Halifax and make a statement over the telephone stating that you feel that they have not resolved your dispute and that you will be contacting the FSO again for them to look at it as their action will not improve your situation.
Regarding the default/recoveries department this most prob would be the best option all round. We are with the Halifax and after compalining they have refunded all interest/charges since Oct 11 although they have not given any information about time scales although with our OD they did say that normally after 12months its passed to the recovery.
Dont you just love the Halifax.
i only actually sent the complaint to fos between christmas and new year, and sent a copy to the halifax at the same time, but havent heard from the fos yet. In the letter from the halifax it did say if i am not happy with their response i can take this to the fos as this is their final response...so I may change my complaint to the fos and attach a copy of their letter from the halifax. They attached a cheque for 50 to the letter to compensate me for my distress which i found quite strange! But yes I agree, Halifax seem to be the only creditor I have had any problems with, and none of my other creditors are part ownd by the tax payer, and all seem to be dealing with my situation in a fair and sympathetic manner! Thanks for taking the time to respond
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# 52
bitbot
Old 12-01-2012, 8:10 PM
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Quote:
Originally Posted by 2spicy View Post
If they are suggesting this, then embrace it asap ... Recoveries people are easier to deal with, they have more "power" to be understanding if you know what i mean. They ARE more likely to take what they can so reduction in interest is quite possible.

Have you also argued that by charging the high interest in the first place, they are already taking advantage of you in a vunerable situation?
Thank you - I feel as though i should embrace this asap but didnt know whether this would affect my ability to try and claim back more of the high interest they have been charging me - Im ashamed to say they were charging me that amount for 18 months before I realised that you could complain. All i did previous to this was speak to payplan and i got the response of we cant make your creditors freeze or reduce interest we can just write and request that they
do. I hope if i get passed to recoveries I can still complain to the fos about the interst they were charging me in the first year of dmp? I feel the fact they have reimbursed the interest for the past 6 months is a good start? I think i will take the chance and get passed to recoveries while still pursung the complaint with the fos about the level of interest they were charging over the past 18 months? Thanks for your response
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# 53
ianmak
Old 12-01-2012, 8:59 PM
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Hi ya, here's the up to date member list. Will add the new members shortly.

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
poohbearmufc 245
eveie189 246
debtmuncher 247
Princess of Plastic 248
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Suze72 250
Elsie52 251
HopeTRMD 252
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MSC1977 254
Massivedebts 255
Seasiders 256
Billybobberyl 257
Bexxie90 258
2Spicy 259
OLLIETHECOLLIE 260
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jenevieve 262
Quillion 263
NEWLIFEWANNABE 264
rainman31 265
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St0lli 267
JWM 268
rcpbiggles 269
emmylou3219 270
50broke 271
emmiloam 272
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myeyesropen 274
ad1jnl 275
Louise82 276
DMPDarling 277
Cheesypuff 278
rachaelfleur 279
boot13t 280
Cornishmaid 281
thenightporter 282
ricbro 283
Parsley 284
VanillaDelia 285
WorriedofSurrey 286
mcrfan 287
cheesedoffwithdebt 288
happy_peach 289
moneybuster 290
Moany Money 291
Ladyday 292
pageee2004 293
2009timeforchange 294
Mrs_Ryan 295
thatcherschild 296
Devongirl 297
debt_daisy 298
Clucky26 299
Chancer63 300
muddlemess1 301
foolishqueen 302
smcshane 303
MRSG2B 304
sillywhenyoung 305
Crafty1 306
FredzMum 307
Eriberri 308
Eupho 309
Saskia1 310
Tottenhamtotty 311
Charm1 312
Bahamas 313
sandalwood 314
Jemima09 315
gaztop26 316
jk8 317
kew63 318
RachM 319
Yippee31 320
skintmumofone 321
ilovesooty 322
Spendaholic 323
leese2504 324
Paolo_H_UK 325
glitterlea 326
scouselad1974 327
supersleuth 328
hamstan 329
Twit Head 330
Apple38 331
capcom99 332
d1965 333
jles49 334
Pinkpower 335
yellowpinky 336
snowymalone 337
sarahb7538 338
cloudy-day 339
katkins2 340
whichwaynow 341
Gpuk 342
Circling The Drain 343
CASR25 344
Pinkiepie68 345
londonfraggle 346
Brussell Sprout 347
the tooth fairy 348
twoflower169 349
mumofseven 350
sunnydais 351
Completely Confused 352
Northstar68 353
CraigP 354
Helz1980 355
darkinhere 356
pwally2 357
drpellypo 358
Welsh Bird 359
DotNetter 360
emmahoyles 361
cazza63 362
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newbeginning 364
maxmax 365
bongo1 366
shandypants 367
purple115 368
girlypink 369
MRS:OPTIMIST 370
mamajojo 371
Pure Dead Dopey 372
Lozzam 373
Claret40 374
Suziewong1 375
Alphie983 376
mozzyc 377
crispycornflake 378
sherb1e 379
sanctuary seeker 380
Hopelessly Hopeful 381
jupster 382
Julie67 383
fluffyboots 384
Ellieseleven 385
SarahNeedle1872 386
~evanesco~ 387
powerchimp 388
MrsGibbs1503 389
MRS A 390
sunfleur 391
grantalien 392
goingforward 393
jcorbygas 394
bigt1888 395
manicmiz 396
Loubylou2 397
sherry16 398
TightbudgetJO 399
tweetiepickle 400
drusilla 401
monwind 402
toots1607 403
B17c 404
maganan 405
SHELLSHOCK 406
Pink-Angel 407
CommitedToChange 408
debtfreewannabe321 409
mikon 410
Squirrel29 411
secretshopper75 412
Superbiatch 413
darwins_mum 414
tired mum 415
MoneysTooTightToMention 416
fairsats 417
sarahowen 418
Nikki4 419
Jubilee76 420
Growurown 421
Dolly66 422
dawn1967uk 423
BlushingRose 424
sickasachip13 425
tintingirl 426
Joyanne 427
PinotGrigio41 428
ailz95 429
Wannabefree1 430
Jenjen 431
DFW2012 432
Pink Fairy 433
savvykaz 434
DMP mutual support thread No: 243
If you'd like one, send me a PM.

Remaining unsecured debt: Sept 2008(ish) 38550 Feb 09 39147 Sept 09 37164 May 10 34652 Feb 11 30768 (PP 29768) Apr 12 PP 22750.Jun 13 17000 Jan 14 0
DFD...July 2029 July 2019 Jan 2017 May 2016(ish)Feb 2016(ish) 15/01/14!!!

Last edited by ianmak; 10-05-2012 at 9:30 PM.
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# 54
Hopelessly Hopeful
Old 12-01-2012, 9:14 PM
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Join Date: Sep 2009
Posts: 3,272
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Quote:
Originally Posted by sickasachip13 View Post
It's going to go towards my Argos debt (see 1 debt versus 100 days challenge thread), along with 21 of foreign currency I found on my book shelf and whatever's in my penny jar at the end of the month (if it lasts that long without being raided to buy food)!

Would've been nice to go out for a meal but I'd rather blast Argos off the face of my debt, if I can.

Good idea, great news

HHx
Started DMP June 2010. Completed DMP 26th August 2014.

DMP mutual support thread # 381, Paddle # 27.

Proud to have dealt with my debt
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# 55
sickasachip13
Old 12-01-2012, 10:07 PM
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Since we moved thread, I thought I'd put a link to this seperate thread here for DMPers who are also after PPI refunds: http://forums.moneysavingexpert.com/...&highlight=ppi

:-)
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# 56
proudmumof1
Old 12-01-2012, 10:57 PM
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Join Date: Jan 2012
Posts: 17
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Hi all,

Need a bit of advice if possible. To update you all I am at the early stages of managing the DMP process myself, writing all letters, fielding calls, etc and all the fun that goes with that!

Everyone I have spoken to so far has been reasonable bordering on flexible, bearing in mind i am not using a DMP company and trying to resolve the issues myself.

One of the credit cards we owe on is barclaycard and today I received 2 letters from them. From different offices.
The first letter from leicester offices stating we have to contact them by 5th feb with the contact name of our debt advisor ( guess that would be me then!?) and in the meantime they have suspended fee's / interest.
The second letter ( from Northampton office) stating that they are happy to accept our 1 per month offer and they will suspend interest / charges but collections action will continue and they want us to contact them before the 4th Feb.

All a bit confusing really. We genuinely cant afford much more than the 1 per month so who do we reply to and how do we avoid the collections action?

Any advice welcome

PM x
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# 57
ailz95
Old 13-01-2012, 9:11 AM
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Join Date: Jul 2006
Location: Matfield, Kent
Posts: 167
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Quote:
Originally Posted by BlushingRose View Post
Oh, I forgot to mention that they want us to cut up the card and send it back to them. Of all the cards (3) we cut up, guess which bits we didn't keep?! *sigh*
Don't worry about it. I cut ours up and binned them. Just tell them so. Also think about the worst they can do to you BR -a default on your credit details which will stop you getting credit - that's it. If they tried to take you to court when you've got a DMP in place they'd be told off by the magistrates for wasting their time. Your biggest/only worry is having money for food/petrol until the end of the month. Take a deep breath, put a smile on your face (it releases endorphins that make you feel better after a while) and get on with your life.

These banks won't have sleepless nights over the money they are owed - we're all just a small blip in their bonuses - just think the boss may only get half a million pounds bonus instead of a million - all because of us - makes you proud really doesn't it?
'Proud To Be Dealing With My Debts' DFW Nerd club member No. 1028.
DMP Mutual Support member No. 429

DFD 10.9.14.

Live Simply not Simply Live
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# 58
ailz95
Old 13-01-2012, 9:24 AM
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Embarrassed cough: I can't find my number - perhaps I never asked to join - but I thought I had - Please may I join?

Remember all that if a creditor keeps on ringing you then it is harassment. One man took a creditor to court last year for keep on ringing and not only got his amount owing wiped but a sizeable chunk of money awarded to him.
'Proud To Be Dealing With My Debts' DFW Nerd club member No. 1028.
DMP Mutual Support member No. 429

DFD 10.9.14.

Live Simply not Simply Live
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# 59
MoneyMum
Old 13-01-2012, 11:31 AM
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Posts: 38
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Hi
Can I join you please?

Im in the middle of setting up my DMP with Payplan and quite looking forward to it as to be honest.

Ive been in debt for the last 18 months+ and wasn't to bothered about it as I had convinced my self it wasn't that bad and I could clear in pretty quick if i needed to. Well for the last 3 months I haven't even been able to afford the minimum payments and and struggling beyond my imagination.

I haven't eaten in over 24 hours, have no idea how im going to afford anything for the next 2 weeks until pay day though im lucky all my important bills have been paid other than my rent which im working on

Todays has been a BAD BAD day.

xx
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# 60
Hopelessly Hopeful
Old 13-01-2012, 11:49 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2009
Posts: 3,272
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Quote:
Originally Posted by MoneyMum View Post
Hi
Can I join you please?

Im in the middle of setting up my DMP with Payplan and quite looking forward to it as to be honest.

Ive been in debt for the last 18 months+ and wasn't to bothered about it as I had convinced my self it wasn't that bad and I could clear in pretty quick if i needed to. Well for the last 3 months I haven't even been able to afford the minimum payments and and struggling beyond my imagination.

I haven't eaten in over 24 hours, have no idea how im going to afford anything for the next 2 weeks until pay day though im lucky all my important bills have been paid other than my rent which im working on

Todays has been a BAD BAD day.

xx
Morning and welcome

Have you got some money for food?

HHx
Started DMP June 2010. Completed DMP 26th August 2014.

DMP mutual support thread # 381, Paddle # 27.

Proud to have dealt with my debt
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