Traveling while on DMP

newlywed

dmg24 wrote: »

I still think that you are irresponsible. I don't think that you should not go on holiday whilst on a DMP, but I think a three month jolly is taking the p*ss.

I'm not saying go or not go. But if you are worried about the DMP issues, can you come home earlier than 3 months or do you have to either not go, or go for the full time?

If you only went for 4-6 weeks or something that way you can sort any DMP problems out more easily, have a free holiday, a break, and still not compromise your full final settlements so badly?

Just a thought.

krisskross

If you are on a DMP and intend to continue the payments whilst on holiday why would you expect CCJs or bailiff visits? I was under the impression that once a DMP is set up as long as it is adhered to then there are not going to be problems.

newlywed

krisskross wrote: »

If you are on a DMP and intend to continue the payments whilst on holiday why would you expect CCJs or bailiff visits? I was under the impression that once a DMP is set up as long as it is adhered to then there are not going to be problems.

A DMP is an informal arrangement (not the same as an IVA). So because it's informal the creditor does actually still have the right to issue default notices, charge interest etc at any point in the DMP. I believe some have had charges put on their houses after some time on the DMP.

Inactive

It is evident that the OP had made up their mind to go on this holiday well before posting, it appears to me that he/she only came on here to hear people say " go for it " or similar.

Obviously doesn't heed any negative comment/s.

So I will not bother adding mine, only to say that I agree 100% with dmg24's comments above.;)

lesley1960

Whats the problem ? , he will be paying the same amounts as if he was at home ?It would be different if he was going away and not paying !
I dont think he actually asked if he should go on holiday just asked for advice how to deal with any potential problems

jimmer1980

dmg24 wrote: »

Would that be the chance to get your life back on track by clearing your debt, or the chance to go off on a jolly?

You are being completely irresponsible. You are an adult, you need to take responsibility for your actions (or will you just leave your parents to deal with any court letters, or bailiffs that turn up at the door?).

(I'm not even going to comment on your plans to become an accountant!)

I would hope you would not comment on my becomming an accountant. I will have worked hard for it by the time I'm qualified. Nearly thirty exams and eight years studying.

Why such a personal attack? Why not say that you think it would irresponsibe.

I did want to know if anything like CCJs could be dealt with by phone if they occured.

I have not made up my mind as to whether I am going or not.

Is it irresponsible to pay off my debts earlier than my DMP would finish. If I followed my DMP through then I would finish paying mydebts in three years time. I'm currently working two jobs plus overtime to pay my debts back. They would still be paid back before the agreed payment plan with the creditors is finished.

I cam here looking for peoples opinions. Not personal attacks.

lynzpower

If you can maintain your DMP paymewnts while you are away, and you have a job to come back to and you are not riskign your DMP, then I would go too.

It sounds like you have been grafting bloody hard, and I personally think that if your parents are wiling to pay for it nad oyu are not incurring or extending your debt JUST GO and bloody well enjoy yourself.

I would certianly phone your DMP organiser ( is it payplan) and tell them that you are going away for 3 months ( dfont use the holiday word, they will automatically assume you are paying for it and not your parents) and you have the money ready for them to continue to take from your acccount while you are away.

1)Just make sure you tick all the boxes.
2) If possible ensure that you can change your ticket to come home at any time, should the need arise
3 get a copy of lonely planet on a shoestring preferably second hand or from the library save yourself that 20 quid.

Limana68

If it was me and I was young and single, I would definetley go, and as long as you have things in hand back home re dmp, then go for it, as long as you are on a repayment plan and your creditors are happy with what you are paying then whats the problem????????

Li

fifeken

jimmer1980 wrote: »

As I said previously. This is a chance of a lifetime for me.

I would not have the opportunity to this again for a very long time. I'm currently studying accountancy in my free time as well as working two jobs. I finish my studies next year and am comitted to my employer when I finish. Therefore I would not be able to take a career break for at least two years.

A chance of a lifetime that could not be postponed for two years!! If that's all you've got left then take the holiday and stuff the creditors.

It it's not, then do the adult thing and pay the debts

tara747

You sound like you're sensible enough to have made preparation for being away and plans to keep paying without a break. Go, enjoy yourself - you only live once and you will remember this experience for the rest of your life. Have a good trip.

:beer: