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  • FIRST POST
    • Jacobs
    • By Jacobs 8th Feb 16, 8:16 PM
    • 37Posts
    • 23Thanks
    Jacobs
    DMP. Here I go again
    • #1
    • 8th Feb 16, 8:16 PM
    DMP. Here I go again 8th Feb 16 at 8:16 PM
    I got the pack for my DMP today. My second attempt. Starting at £33 a month. How times have changed - last time I was paying over £1,000. It only lasted 6 months though. Maybe this will be easier to stick to. I remember feeling this low and as much as a loser last time too.
Page 2
    • Karonher
    • By Karonher 21st Feb 16, 4:21 PM
    • 421 Posts
    • 1,970 Thanks
    Karonher
    There is another one similar to it and the beginning of a diary as well.
    Getting ready for Christmas 2017

    Aiming to make £4,500 online in 2017.
    • TimeToDoIt
    • By TimeToDoIt 23rd Feb 16, 7:02 AM
    • 214 Posts
    • 475 Thanks
    TimeToDoIt
    Oh god, you're joking. Whatever will we do?
    ~~I am debt free~~
    • Jacobs
    • By Jacobs 25th Feb 16, 10:54 PM
    • 37 Posts
    • 23 Thanks
    Jacobs
    I spoke to stepchange again today - it seems I call them nearly every day these days. They have now got my forms and said they would be writing to my credit card companies now. I'm pleased to be dealing with this now and getting it started. Should have done it sooner. Feeling happier though. Thanks all
    • Jacobs
    • By Jacobs 1st Mar 17, 1:32 PM
    • 37 Posts
    • 23 Thanks
    Jacobs
    Today I made my last DMP payment. The plan was reduced (thank you) to one year. God it feels good.

    Stick at it everyone.
    • marliepanda
    • By marliepanda 1st Mar 17, 1:35 PM
    • 4,680 Posts
    • 9,389 Thanks
    marliepanda
    Today I made my last DMP payment. The plan was reduced (thank you) to one year. God it feels good.

    Stick at it everyone.
    Originally posted by Jacobs
    Nothing you say makes any sense and you are not helping anyone. You have not paid off 12k in one year paying £33 a month.
    Survey Earnings 2017 - £163
    • takman
    • By takman 1st Mar 17, 1:50 PM
    • 2,631 Posts
    • 2,191 Thanks
    takman
    The OP reminds me of one of those online chat bots; they seem to not understand what people are saying and completely ignore their questions. They just keep replying to the thread with random thoughts that don't make much sense as a whole.
    • Keezing
    • By Keezing 1st Mar 17, 2:20 PM
    • 270 Posts
    • 237 Thanks
    Keezing
    Any chance he meant DRO not DMP?
    • Malthusian
    • By Malthusian 1st Mar 17, 2:33 PM
    • 2,899 Posts
    • 4,144 Thanks
    Malthusian
    I doubt it. In post #6 someone suggested a DRO, and the OP responded directly to that one, saying they'd rather pay it off.
    • Jacobs
    • By Jacobs 5th Mar 17, 9:38 AM
    • 37 Posts
    • 23 Thanks
    Jacobs
    Yes actually I'd help anyone who asked. Maybe people need to read things properly before striking out.
    • Number75
    • By Number75 5th Mar 17, 10:42 AM
    • 174 Posts
    • 190 Thanks
    Number75
    Right, if you'll help anyone - help me now. Explain to me how you've paid off half of a £12K DMP by paying £33 a month for a year?

    What have you ACTUALLY being paying per month?
    • Jacobs
    • By Jacobs 5th Mar 17, 5:24 PM
    • 37 Posts
    • 23 Thanks
    Jacobs
    £33 per month? That would be impossible. Anyone can see that.
    • backwherewestarted
    • By backwherewestarted 5th Mar 17, 7:07 PM
    • 26 Posts
    • 13 Thanks
    backwherewestarted
    yes Id like to know I have 7K and it says not till 2020 (not that its reducing cos they still adding interest) Im paying £99 a month but if there a way to get it reduced in 1 if not 2yrs please Id be grateful to know!
    • sourcrates
    • By sourcrates 5th Mar 17, 8:46 PM
    • 11,974 Posts
    • 11,463 Thanks
    sourcrates
    yes Id like to know I have 7K and it says not till 2020 (not that its reducing cos they still adding interest) Im paying £99 a month but if there a way to get it reduced in 1 if not 2yrs please Id be grateful to know!
    Originally posted by backwherewestarted
    Hi OP,

    No there isn't, this is the problem with questionable posts of this nature, they give incorrect advice to people.

    If your lenders are still adding interest, you need to write and complain to them, quote the lending code which says people in financial difficulty should be treated fairly.

    Keep complaining until they suspend it.

    https://www.stepchange.org/debt-info/your-rights/freezing-interest-and-charges.aspx

    There are no miracle solutions here.
    Last edited by sourcrates; 05-03-2017 at 9:40 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    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/
    • Jacobs
    • By Jacobs 13th Mar 17, 1:34 PM
    • 37 Posts
    • 23 Thanks
    Jacobs
    I hope everyone is doing well and having a fantastic day.

    Life is good.
    • Keezing
    • By Keezing 13th Mar 17, 2:26 PM
    • 270 Posts
    • 237 Thanks
    Keezing
    Are you some kind of automated bot?
    • StopIt
    • By StopIt 13th Mar 17, 2:29 PM
    • 903 Posts
    • 832 Thanks
    StopIt
    £33 per month? That would be impossible. Anyone can see that.
    Originally posted by Jacobs

    So for the benefit of others who are in debt, please explain what you paid?


    Who did you owe, how much did the debt come to, which creditors were involved (And was it defaulted debt etc) and how much did you pay each month?


    So far this thread may as well say "I had money stuff, money stuff gone now, bye" in how little it actually says. It's bizarre.
    • Jacobs
    • By Jacobs 14th Mar 17, 12:54 PM
    • 37 Posts
    • 23 Thanks
    Jacobs
    Yes I should have done that.
    • Jacobs
    • By Jacobs 14th Mar 17, 12:55 PM
    • 37 Posts
    • 23 Thanks
    Jacobs


    • enthusiasticsaver
    • By enthusiasticsaver 14th Mar 17, 2:16 PM
    • 4,272 Posts
    • 7,731 Thanks
    enthusiasticsaver
    That is 5 minutes of my life I will never get back. I am completely lost as to the point of this thread.
    Countdown to early retirement on 21.12.17 3 months to go.
    • JustAboutThere
    • By JustAboutThere 14th Mar 17, 2:40 PM
    • 507 Posts
    • 2,150 Thanks
    JustAboutThere
    That is 5 minutes of my life I will never get back. I am completely lost as to the point of this thread.
    Originally posted by enthusiasticsaver
    Well, if it helped the OP focus, then I suppose its served a purpose.
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