The DMP of Emily

ehallett

Hi everyone

I sent everything off to CCCS on Thursday last week. I received an email from them on Monday saying that they hadn't received my info back but I am hoping that it is with them now. I haven't heard anything else anyway.

Truly - have you received a pack back yet to pay your first payment to them? I'm hoping they will contact my creditors soon as I am getting hassle from some of them, even though I have sent token payments, letters and called them to say that I am going on a DMP and have given them my CCCS number.

I managed to pay my rent this month anyway and have been ok for money for food and bills.

I saw that woman Kath Kelly on This Morning today, she is the woman who lived on £1 a day for a year. Has really inspired me to tighten my belt.

I've decided that I am going to join the library so that I can get some good books to read when I am not answering questions.

I'm also going to do some try me free offers so that I can get some freebies to save on my food shopping. I've got 6 mystery shops lined up this month and next and 3 of those give me free food and drink.

I've just signed up for a free Blockbuster DVD rental trial for 1 month so will hire out all of the films that I have been dying to see.

I'm going to a wedding reception at the weekend and can't really afford a present but would feel awful to turn up without one. Anyone got any ideas?

Emily x

Flower08

Hi Emily, just wanted to say good luck with everything. I have been following the payment a day challenge for a few weeks now and you have really inspired me to tackle my debts! Im sure you will cut down their estimate for paying off your debts, and i am looking forward to reading your journey along the way! x

trulymiserable

hi again yes ive recieved the pack with the payment slip rang and asked them for a standing order mandate so i could pay fuure payments like tht but not got that yet, need to make a payment as soon as i can afford to prob about the 19th of this month but was hoping to find out how much post office standard charge for bill paying is first, what is this payment a day is always confused me as we get paid weekly and usually nothing left in the bank for the rest of the week how do you do it? i missed the woman living on £1 a day how did she manage sounds a great idea if you can stick to it!

trulymiserable

ooh and another thing how do u get onto doing the mystery shops? i signed up for wilkinsons but they hardly ever have anything in my area as for the present how about a cheap but nice looking photo frame im useless with these kind of ideas sorry

ehallett

trulymiserable wrote: »

hi again yes ive recieved the pack with the payment slip rang and asked them for a standing order mandate so i could pay fuure payments like tht but not got that yet, need to make a payment as soon as i can afford to prob about the 19th of this month but was hoping to find out how much post office standard charge for bill paying is first, what is this payment a day is always confused me as we get paid weekly and usually nothing left in the bank for the rest of the week how do you do it? i missed the woman living on £1 a day how did she manage sounds a great idea if you can stick to it!

Thanks - how long did it take between sending back your debts letters, income etc before you received your pack back with the first payment slip? Just a bit concerned that I sent it back a week ago and haven't heard anything yet. Maybe I should call them. I won't be able to pay anything until the end of the month when I get paid again.

I don't think it costs that much to pay in at a post office - I thought it was a couple of quid?

trulymiserable

it wasnt long but i did ring and check they had everything think that gave them abit of a push think it was about a week, need to find out if a standing order is ok for the 2th of each monthas they need it by 1st is a standing order immediate into their account or u think theyll need it sooner?

ehallett

trulymiserable wrote: »

it wasnt long but i did ring and check they had everything think that gave them abit of a push think it was about a week, need to find out if a standing order is ok for the 2th of each monthas they need it by 1st is a standing order immediate into their account or u think theyll need it sooner?

I think that a standing order isn't immediate, however they don't make the payment to the creditors until later in the money (25th or something like that) so I expect they will be ok for the standing order to be made when you get paid. I will have to set mine up for the last working day of each month.

I think I will ring them if I don't receive anything by Monday.

Emily x

trulymiserable

good idea best to check theyve got everything, i might give them a ring and ask for another standing order mandate if i havent had one by the time payments due she said first payment has to be made at the post office with the slip but its abit much to keep paying a fee each month for paying at the post office

ehallett

Phew, I sent an email to CCCS last night and they replied today confirming that my plan was set up, my creditors have been written to and my pack is on its way

Also sorted out the wedding problem with a £4.50 bottle of wine that I used my £1.50 Tesco voucher for and got it for £3

Emily x

trulymiserable

goood! i got my standing order slip today to fill in and take to the bank says payments due by the 10th of each month and the so says first of each month so ive set tht up from nov 1st as they will get octs payment early with it being the trans cash slip at post office
Had a phone call today from allclear saying cccs are working with the creditors to make u pay off more lol what a load of ...........