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  • FIRST POST
    • Puzzcat
    • By Puzzcat 17th Sep 13, 9:49 AM
    • 3,126Posts
    • 16,204Thanks
    Puzzcat
    Puzz tries again.. this time with claws... My DMP Journey. I will get debt free...
    • #1
    • 17th Sep 13, 9:49 AM
    Puzz tries again.. this time with claws... My DMP Journey. I will get debt free... 17th Sep 13 at 9:49 AM
    Hi,

    I'm Puzz, and I've been hanging around these dfw threads and diaries for a long time now... I've tried many times to sort out the money mess I have made but have now hopefully settled on a path that will lead me to where I wish to be...

    What I don't know is how I didnt' know about DMP's before, as I say I've been here for at least 5 years if not longer and only discovered them in my darkest place back in July.

    So this diary is to track my progress, keep me in check and maybe offer someone else some assistance along my way!

    I have been in debt my entire adult existance. I am now the wrong side of 40 and still in debt. I wouldn't say I've had my head in the sand as I can tell you exactly how much I owe and to who at any given time. I have this all written in my special money book that goes back to 2008..

    The debt has increased year on year, but slowly over the last 3 until this summer when it all caught up with me again and I realised that I had to do something now. I have tried snowballing but never had enough snow to throw the ball far enough away! And don't talk to me about consolidating.....

    Stumbling across the dmp mutual support thread, I then researched debt management plans and went onto StepChange website did the debt remedy.. and there was my answer. I have read threads 7,8 and 9 of the dmp support thread, it is a wonderful place and if you are thinking of a dmp it is a great place to start.

    My debt is huge and is going to get bigger before it gets smaller which is perfectly normal at the start of a dmp. I'm still at the sending letters and token payments stage, my new bank account is up and running and my salary switch is at the end of the month. It is at this point when my largest creditor (od/loan and cc) will be receiving the news that I don't want to do this anymore.

    I spent the money I don't deny that. I have every intention of paying it back. BUT... I have paid out a fortune in interest and I no longer feel guilty that I can't do it anymore. I will be working very hard to get my creditors to play nice with me, and am more than prepared to sharpen my claws and involve the FOS when needed.

    So that's the start.. I know a dmp isn't for everyone, I know it will trash my credit record, but I don't want credit anymore. I want to live again..

    I think that's enough waffle for one morning, and being a cat its probably time I stretched out and had a little kip... oops no I've got work to do.... maybe later...





    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
Page 70
    • NoOneAround
    • By NoOneAround 19th Sep 17, 2:36 PM
    • 1,550 Posts
    • 7,464 Thanks
    NoOneAround
    Hello Puzz,
    sorry I haven't been over for a while.
    Glad that Ds is happier this year - it makes all the difference doesn't it?
    Sounds like everything is ticking over nicely. Unfortunately My treadmill has an inch thick layer of dust on it

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Puzzcat
    • By Puzzcat 22nd Sep 17, 11:36 AM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Hello Puzz,
    sorry I haven't been over for a while.
    Glad that Ds is happier this year - it makes all the difference doesn't it?
    Sounds like everything is ticking over nicely. Unfortunately My treadmill has an inch thick layer of dust on it

    NOA
    x
    Originally posted by NoOneAround
    Hi Noah,

    Maybe I spoke to soon as she was a little down when we spoke yesterday.. Hopefully she is better today.

    Confession.. still haven't got on the treadmill.. I am such a lazy puzz.... will do better...

    Take care of you.

    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Puzzcat
    • By Puzzcat 22nd Sep 17, 11:51 AM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Friday... and the weekend is almost here.....

    So this week has been generally good, have spoken to dd numerous times over various things.. she was fine but was feeling down yesterday.. hopefully that will pass quickly...

    The freezer arrived and has been plugged in, dd done an online shop to fill her part tomorrow.. They are on key meters and haven't quite got to grips with it yet.. she is also struggling with the front door as it has a funny lock.. she can get in, but hasn't managed to lock it from the outside.. luckily people have always been home so far.. a job for her to sort before she starts back at uni I think...

    I had planned to go and meet up but the bloomin trains are striking again so will have to rethink those plans...

    This weekend I have my BF over for nachos and wine...

    I have done no evening work/no exercise so have failed on both those tasks.. must do better next week...

    Just received a letter from Lowe*ls confirming they have requested cca info from the creditor.. this one I really hope they don't find as they are the bu**ers who are marking my credit file late payment each month and won't default.. but it was my newest cc so they will probably will have it..

    No word from the others yet.. will keep you posted...

    Payday a week today, still got some funds.. will pay for dd's first shop as i would have bought it if we had taken it with us when she moved in...

    That's about it...

    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Puzzcat
    • By Puzzcat 29th Sep 17, 3:05 PM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Friday and Payday.. lovely combination...

    Have done my banking and potting so the saving pots are growing nicely....

    I only ended up with £5 left at the end of the month due to paying dd's food shop, our food shop and a discounted online delivery pass.. oh well at least I was £5 up not down...!!

    I have bought my first Christmas present...

    I have received replies from all 3 creditors I sent cca's to. Two are doing the we are looking for it... unfortunately one came back almost immediately, but I'm not sure about it so may send it over to aad to check for me... No word back from Ntw*st who sent me a cca but I was told it was unenforceable, so I wrote and told them (not giving any info away as to why it was UE..) will just have to wait and see..

    dd been a bit up and down.. today is going to be hard work as of the whole 9 hours of lectures she has in a week, today she has 5 of them.. its not very well structured... but she hopefully will survive the day and that will be the first full week done and dusted....

    Had a nice evening with my bf last Saturday and I have another friend coming to stay this weekend.. OH busy working/football/going to the races etc....

    I have now paid off 25% of my car.. only the 75% to go...!!!

    Lovely Mother up and down as well, hope she is more up when it comes to the middle of the month and we go away..!!! Health wise she has been given the all clear but is struggling to move onwards and upwards from this last bout... I am sure she will bounce back to her usual 'mad' self soon....!

    So that's me up to date for now....

    Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • NoOneAround
    • By NoOneAround 2nd Oct 17, 9:35 AM
    • 1,550 Posts
    • 7,464 Thanks
    NoOneAround
    Morning Puzz
    Happy first Christmas present!
    Hopefully DD will be happier once the lectures start - she'll be too busy with working! Hope your lovely mother feels better soon, she has been through a lot.

    Have a good week!
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • carbootcrazy
    • By carbootcrazy 2nd Oct 17, 9:57 AM
    • 4,125 Posts
    • 23,166 Thanks
    carbootcrazy
    Sorry I haven't been around long enough to post here recently but I drop in to read your diary whenever I can. Looks like everything is ticking over nicely for you, especially as Christmas is in sight (just about) and it's your favourite time of year

    I hope LM continues to improve so that you can both enjoy your well-deserved break away and come back refreshed and rarin' to go


    OH's sister died suddenly last week, She was only my age and was fit and active. She hadn't been ill in years and apparently it was a fatal aneurysm that occurred totally out of the blue when she was just sitting in her conservatory enjoying a cup of tea with her husband and watching a lovely sunset over the Welsh hills where they lived. It's especially sad because her husband recently retired and they had such wonderful plans for all the things they were going to do, places they were going to visit etc now they finally had the time to do them together. They were absolute soulmates. We're all in total shock.


    It's hundreds of miles from where we live and the funeral is Thursday morning which will involve possibly 2 overnights in a B&B. I've booked the first night online and spoke to them on the phone and they can accommodate us on the 2nd but I haven't booked that one yet. I paid with my only credit card and I hope OH will reimburse some of it but I'm not holding my breath. He has a selective memory. Looks like being a very spendy few days all round what with flowers and everything. OH wouldn't bother to send any, he's useless at these times and I always do it on our behalf but I doubt he'll contribute towards the cost. He never has before, saying it was my idea to send flowers to funerals as he wouldn't have bothered himself. I think I might have mentioned before that he's a tight-fisted git


    I've checked my only 'smart' pair of shoes (other than sandals) and there are holes in the soles. Need to dash off now and get them repaired or maybe buy a new cheap pair as I think the others let water in somewhere at the side. It's so long since I wore them that I can't even remember.


    OH brought in what will probably be the last of the runner bean crop yesterday. 2 carrier bags full that I need to get frozen asap. Neither of us have been able to eat much this past week, that's why so many have been there waiting to be picked. OH says he might dig up the plants today.
    Last edited by carbootcrazy; 03-10-2017 at 7:28 AM.
    Make £10 A Day Challenge 2017. Jan-Sept: £4251.91 Oct: £12.00
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • Puzzcat
    • By Puzzcat 3rd Oct 17, 11:13 AM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Morning Puzz
    Happy first Christmas present!
    Hopefully DD will be happier once the lectures start - she'll be too busy with working! Hope your lovely mother feels better soon, she has been through a lot.

    Have a good week!
    NOA
    x
    Originally posted by NoOneAround
    Hi Noah,

    dd is very up and down generally.. you never know whether your getting smiley face or sad face.. she has certainly settled better this year than last so fingers crossed..!!

    Thank you for your good wishes for LM..

    Take care of you.

    love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Puzzcat
    • By Puzzcat 3rd Oct 17, 11:16 AM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Sorry I haven't been around long enough to post here recently but I drop in to read your diary whenever I can. Looks like everything is ticking over nicely for you, especially as Christmas is in sight (just about) and it's your favourite time of year

    I hope LM continues to improve so that you can both enjoy your well-deserved break away and come back refreshed and rarin' to go


    OH's sister died suddenly last week, She was only my age and was fit and active. She hadn't been ill in years and apparently it was a fatal aneurysm that occurred totally out of the blue when she was just sitting in her conservatory enjoying a cup of tea with her husband and watching a lovely sunset over the Welsh hills where they lived. It's especially sad because her husband recently retired and they had such wonderful plans for all the things they were going to do, places they were going to visit etc now they finally had the time to do them together. They were absolute soulmates. We're all in total shock.


    It's hundreds of miles from where we live and the funeral is Thursday morning which will involve possibly 2 overnights in a B&B. I've booked the first night online and spoke to them on the phone and they can accommodate us on the 2nd but I haven't booked that one yet. I paid with my only credit card and I hope OH will reimburse some of it but I'm not holding my breath. He has a selective memory. Looks like being a very spendy few days all round what with flowers and everything. OH wouldn't bother to send any, he's useless at these times and I always do it on our behalf but I doubt he'll contribute towards the cost. He never has before, saying it was my idea to send flowers to funerals as he wouldn't have bothered himself. I think I might have mentioned before that he's a tight-fisted git


    I've checked my only 'smart' pair of shoes (other than sandals) and there are holes in the soles. Need to dash off now and get them repaired or maybe buy a new cheap pair as I think the others let water in somewhere at the side. It's so long since I wore them that I can't even remember.


    OH brought in what will probably be the last of the runner bean crop yesterday. 2 carrier bags full that I need to get frozen asap. Neither of us have been able to eat much this past week, that's why so many have been there waiting to be picked. OH says he might dig up the plants today.
    Originally posted by carbootcrazy
    Oh cbc,

    What a horrible time you are having at the minute. I am so sorry to hear about your SIL, it must have a been a shock all round. Hope the funeral goes as well as it can, and kick your old man up the bottom and dust off his wallet...!

    As for runners, I harvested my last at the weekend, along with the tomatoes and have started cutting down the remains ready for next years crops.. still got 2 bowls of tomatoes in the fridge and 4 pots of frozen runners...

    Take care,
    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Puzzcat
    • By Puzzcat 3rd Oct 17, 11:22 AM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Ok.. its been a funny start to the week...

    Good weekend spent with a friend and her crutches! I would be hopeless so better not break any lower limbs...!! I cooked so a fairly cheap weekend....

    Met Lovely Father for lunch yesterday, having just got through the third bout of the big C with LM, now its LF's turn.. he has his first medical appointment tomorrow and doesn't want to go alone so I have cancelled work plans so I can attend with him.... Both my parents have given me some money to start dd off again this term, LM's went towards the bus pass and LF's will be split between going to see her next week.. can't wait... and my USA fund for next year well, not actually mine, dd's.. but my savings..!

    Finally managed to get out and do an evening visit last night and planning another this evening which will leave 6 to do before the end of the year, will try to get them done in October... and hopefully get on the treadmill the other nights.. move puzz, move.....

    DMP payments gone out today.. all £40 of them.... remaining money split into my various pots as usual..

    Think that's enough news for now..

    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • carbootcrazy
    • By carbootcrazy 3rd Oct 17, 1:19 PM
    • 4,125 Posts
    • 23,166 Thanks
    carbootcrazy
    Sorry to hear about LF. What an anxious time you're having. I hope your positive attitude to whatever life throws at you (that always shines through on this thread) is rubbing off on both of them. It's lovely that you've arranged to accompany him for his appointment. I hope both your parents realize what a special daughter they have. Sending hugs to all three of you.


    Nothing financial to report here, I'm in a sort of limbo waiting for SAR stuff to come before I can plan my next moves. I also had a letter from Santander with account reference numbers that I haven't a clue what they refer to. I'd contacted them about possible PPI on 3 old storecards from donkey's years ago but obviously have no paperwork or even the old expired cards to back it up. It was just a gut feeling that I might have had it but my guts have served me well in that sort of situation in the past. The cards were part of GE Money or something like that which Santander took over (according to GE when I phoned them). I don't know which stores they were issued by except I do know House of Fraser was one. The others could have been from anywhere, I used to have a wallet crammed full of storecards in the bad old days. Santander say I definitely did have PPI on 2 cards but I haven't a clue which they were as the account numbers they gave meant nothing to me. They didn't mention the stores by name either.


    Not sure how to proceed with this, I expect they'll try to wriggle out of paying due to insufficient information. They want me to supply dates and reasons for thinking it was missold. They must have found some information though to be able to supply me with the reference numbers so obviously know more about it than I do which is zilch.


    Our tomatoes have been a total disaster this year. OH and I both love tomatoes on toast for breakfast and he went out yesterday to pick what he could so we could have them that breakfasttime. He came in with 3 tiny ones and said that looks like being the last of the year. He's already dug the plants up.
    Make £10 A Day Challenge 2017. Jan-Sept: £4251.91 Oct: £12.00
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • Puzzcat
    • By Puzzcat 9th Oct 17, 2:15 PM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Hi cbc,

    Hope you find the information you need to make your claims.. I never had ppi, I was too tight to pay for it... shame really!!!!

    My tomatoes have finally given up, still have a bowl in the fridge mind.... tomatoes on toast sounds rather nice.. do you grill them???

    Hope all okay with you otherwise and the funeral went off ok..

    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Puzzcat
    • By Puzzcat 9th Oct 17, 2:25 PM
    • 3,126 Posts
    • 16,204 Thanks
    Puzzcat
    Monday.. and the week hasn't started as planned..

    I was suppose to be on a course today.. (my favourite occupation..) but dad's appointment came through really fast and was for today. Mum asked if I could attend I said no, then felt really guilty so said yes. I then texted boss to say won't be in, she says okay.. then mum says she is going and dad says 3 is too many people so I say no worries you two go and tell me about it later.. all a bit late after I have cancelled my course place.. ho hum... so a spontaneous day off for me...

    It does mean I have got a few jobs out of the way, including redoing my letter to Natw*st who ignored the last one about the cca being unenforceable.. I also scanned over my RBS one for the clever one's to have a look at... I have done all washing, there is none left in my house.. I have got organised for my day out tomorrow to go and visit dd.. so excited.. we dropped her 3 weeks ago today.. the longest we have been apart...can't wait for my hug.... i have got organised for my work day in the other borough on Wednesday and sorted the online food shop.. just got mum city break to do some work on and I'm all up to speed...

    I did have a little accident at the weekend, no fault of my own I hasten to add.. A cupboard door landed on my head.. and my gosh did it hurt...! Luckily it hit me flat side down or I don't think I would be here to tell the tale... I keep telling OH the house is falling down and it literally is.. I wouldn't mind but it was the cupboard above his wardrobe so by rights it should have clonked him on the head not me.... i don't think I'm any the wiser for the bump it is rather tender....

    Money news... not a lot... still waiting to hear back from 2 of my cca'd accounts... Need to withdraw.. (panic).. funds from my pot to sort my euros for break with mum which is next week.. the time is flying again...

    Will update about Lovely dad when I hear something back..

    Time for a cuppa me thinks...

    Love Puzz. x
    Christmas 2017 £500 cash/£109 vouchers
    I love my dmp started in Nov 13 with SC 33% paid
    Going Self Managed March 2016
    Pot Of Gold - £445.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • NoOneAround
    • By NoOneAround 10th Oct 17, 9:46 AM
    • 1,550 Posts
    • 7,464 Thanks
    NoOneAround
    Morning Puzz,
    Sorry to hear that your LF is not well - sending love and hugs and good wishes, you have all had so much to deal with.

    Ouch for the bump on the head hope it is feeling better, look after yourself.
    Enjoy you trip to see DD - 3 weeks is a long time but a good sign? - hope she is a bit happier this week

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
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