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  • FIRST POST
    • fermi
    • By fermi 11th Jan 12, 8:53 AM
    • 36,899Posts
    • 44,440Thanks
    fermi
    DMP & Mutual Support Thread - Part 9
    • #1
    • 11th Jan 12, 8:53 AM
    DMP & Mutual Support Thread - Part 9 11th Jan 12 at 8:53 AM
    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 8)

    Or click here for the last page of posts on the old thread. ---> Last Page

    Good luck with your DMP everyone.
    Last edited by fermi; 09-02-2013 at 12:29 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
Page 2
  • dmp2013
    Thank you again Jubilee14, I will see what happens over the next few weeks, but if problems still occur I will send formal letters, I think I saw Time to Face the Music's template on page 246ish, looked great! Ah ok so they can charge interest at the end then? As most of ours are showing 0% interest on statement- how can u tell if they may do that? HBOS- are HSBC are they? (Sorry for all the probably 'silly' questions). I have loan, overdraft and credit card with HSBC, which is a shame because as I have previously moaned they have been rubbish to deal with. Good for you getting refund for phonecalls x
    DMP started Jan 2013.
    Due to end 2018.
    Happy to be sorting out our debt
    • fermi
    • By fermi 9th Feb 13, 12:31 PM
    • 36,899 Posts
    • 44,440 Thanks
    fermi
    Hi everyone.

    I've started the new Part 9 thread, but moved the last page or two of the previous thread over to this one, so that it's easier for people to keep up and reply to recent posts on this thread. (hope that makes sense).

    Anyway, good luck with the DMPs and keep supporting each other so well.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Mossop01
    Hi all, well the letters have started to come in thick and fast! Barclaycard are saying they have had correspondance from me but not stepchange, bit worried about that one, until they hear from them with a plan then interest and charges are frozen, however just got my statement snd interest and charges have been added?! Left hand doesnt know what the right hand is doing i presume? Still hate the postman coming, knew the calm before the storm was too good to be true. Just wish we could skip a few months ahead when things are mote settled. Good luck everyone!
    LBM Dec 2012 total debt 33,889 dmp started March 2013 DFD Jan 2021
    Nov 2013- 27,124 going in the right direction!!
    Onwards n upwards!
  • NaughtySpot
    Subscribing

    Onwards and upwards!
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 1:18 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    Hi everyone.

    I've started the new Part 9 thread, but moved the last page or two of the previous thread over to this one, so that it's easier for people to keep up and reply to recent posts on this thread. (hope that makes sense).

    Anyway, good luck with the DMPs and keep supporting each other so well.
    Originally posted by fermi

    Thanks Fermi, much appreciated

    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 1:20 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    Hi all, well the letters have started to come in thick and fast! Barclaycard are saying they have had correspondance from me but not stepchange, bit worried about that one, until they hear from them with a plan then interest and charges are frozen, however just got my statement snd interest and charges have been added?! Left hand doesnt know what the right hand is doing i presume? Still hate the postman coming, knew the calm before the storm was too good to be true. Just wish we could skip a few months ahead when things are mote settled. Good luck everyone!
    Originally posted by Mossop01

    Keep strong. It really does settle, just keep a good log of everything and try to do contact in writing so if you do have cause to look back or complain the information is clear and usable.

    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 1:28 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    Subscribing

    Onwards and upwards!
    Originally posted by NaughtySpot
    Welcome t the thread.

    Interesting user name! Mrs TTFTM has been known to be sent to sit on the naughty step.


    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 1:33 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    I had Hellifax statement and no extra interest applied since small DMP reduction so static at 14.9%. Not ideal, could be worse, could be at M&S level.

    Always look on the bright side of life, lalalalala!


    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
  • RonniesMummy
    Hello All,
    Currently ebaying, free to list this weekend if anyone is interested in selling stuff to help with the DFD!

    I have a load of books that are brand new, do you think I can find them? Nope!

    Hope everyone has a good weekend!

    x
    DFD 1st January 2016
    Total Debt 4600 01/01/2013
    4100 15/11/2013
  • patator
    *subscribed*

    I just had my first letter today - MBNA accepting the offer from StepChange and agreeing to freeze my interest. Oh, MBNA, I do love you (for the first time in a couple of years). Now, if everybody else would just do the same...

    My DFD is 6 years and 4 months (beginning from 1st March 2013)...I'm selling the contents of my house to try to bring that down faster. Still hanging on to that 450 I have set aside to pay off a priority debt, as I'm applying to an energy trust to see if they'll help out. If they can do some and I can clear the rest, fast, it'd mean I can start paying more to creditors MUCH sooner than anticipated. Fingers crossed! I want to start dragging that DFD towards me like Bruce Almighty with the moon . I'll be taking advantage of the free listings on eBay this weekend, that's for sure.

    In other news, I've been for the meeting to discuss my vocation (went very well) and I've found that there should be plenty of time in the interim to go back into good ol' paid employment. Dropped off an application for the PERFECT job yesterday. Closing date is Wednesday...more crossed fingers would be appreciated!

    Hope you're all having good, happy and relaxed days!
  • dmb
    Hi everyone,

    Does anyone know what the max allowances are for basic stuff like petrol etc that Stepchange use. I know food is 340 (I think) Are these standard or does it depend on income.

    Enjoy the weekend folks
  • Alice in Welfareland
    Hi everyone,

    Does anyone know what the max allowances are for basic stuff like petrol etc that Stepchange use. I know food is 340 (I think) Are these standard or does it depend on income.

    Enjoy the weekend folks
    Originally posted by dmb
    For how many people? All depends on number in the family and not the income.
  • Mossop01
    Hi patator, mbna were my first to respond last week too freezing interest, i was over the moon, had a few more less positive letters from others this week, but its early days. Fingers crossed with the job application!
    LBM Dec 2012 total debt 33,889 dmp started March 2013 DFD Jan 2021
    Nov 2013- 27,124 going in the right direction!!
    Onwards n upwards!
  • Mossop01
    Hi dmp, our food allowance for 2 adults and 2 children is 280 a month if that helps, but i dont know actual limits
    LBM Dec 2012 total debt 33,889 dmp started March 2013 DFD Jan 2021
    Nov 2013- 27,124 going in the right direction!!
    Onwards n upwards!
  • Mossop01
    Sorry misread ur name -dmb! Got dmp on the brain!!!
    LBM Dec 2012 total debt 33,889 dmp started March 2013 DFD Jan 2021
    Nov 2013- 27,124 going in the right direction!!
    Onwards n upwards!
  • NaughtySpot
    Hi everyone,

    Does anyone know what the max allowances are for basic stuff like petrol etc that Stepchange use. I know food is 340 (I think) Are these standard or does it depend on income.

    Enjoy the weekend folks
    Originally posted by dmb
    If you do their debt tool on the website I think this automatically puts in their recommended amounts.
  • NaughtySpot
    Welcome t the thread.

    Interesting user name! Mrs TTFTM has been known to be sent to sit on the naughty step.


    HHx
    Originally posted by Hopelessly Hopeful
    Does she sit on the naughty spot though?
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 6:03 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    Does she sit on the naughty spot though?
    Originally posted by NaughtySpot

    I wouldn't dare comment, I think we thought we may be in danger of getting thrown off when the thread was turning into a book review of the 50 shades of grey era. I wouldn't want to stir all that up again would I?!

    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 6:04 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    Sorry misread ur name -dmb! Got dmp on the brain!!!
    Originally posted by Mossop01
    That will soon swap to become DFD I can assure you. Still you will be in good company until then.

    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
    • Hopelessly Hopeful
    • By Hopelessly Hopeful 9th Feb 13, 6:06 PM
    • 3,365 Posts
    • 9,353 Thanks
    Hopelessly Hopeful
    *subscribed*

    I just had my first letter today - MBNA accepting the offer from StepChange and agreeing to freeze my interest. Oh, MBNA, I do love you (for the first time in a couple of years). Now, if everybody else would just do the same...

    My DFD is 6 years and 4 months (beginning from 1st March 2013)...I'm selling the contents of my house to try to bring that down faster. Still hanging on to that 450 I have set aside to pay off a priority debt, as I'm applying to an energy trust to see if they'll help out. If they can do some and I can clear the rest, fast, it'd mean I can start paying more to creditors MUCH sooner than anticipated. Fingers crossed! I want to start dragging that DFD towards me like Bruce Almighty with the moon . I'll be taking advantage of the free listings on eBay this weekend, that's for sure.

    In other news, I've been for the meeting to discuss my vocation (went very well) and I've found that there should be plenty of time in the interim to go back into good ol' paid employment. Dropped off an application for the PERFECT job yesterday. Closing date is Wednesday...more crossed fingers would be appreciated!

    Hope you're all having good, happy and relaxed days!
    Originally posted by patator
    Welcome.

    Most of us start like that but DMPs wanting DFD as early as possible at any costs but DMPs have to be sustainable. Good way to think about it is a marathan rather than a sprint. Someone used to say they can have my money but not my life etc.

    Fingers crossed on the job front for you.

    HHx
    DMP June 2010 - August 2014. 100% plus interest paid back in full

    Proud to have dealt with my debt
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