Beginning to struggle with DMP

scotlad1980

coolcait wrote: »

Hiya scotlad

I'm so sorry to hear about your mum .

And - although I'm long past the single stage - I do think that it CAN be harder to feed one person more cheaply than two, or even four [blushes again]. Even if you're more inventive - for example, split your loaf into daily amounts, and freeze them - you can still miss out on the savings you get when bulk buying for a family.

I know what it's like when you've only got a small, expensive, shop near you. Do you have any scope for using internet or phone shopping from a bigger supermarket? That saves time as well as money in my experience.

And (sorry for banging on about it) can you tell us a bit more about the DMP you have through the council? I think it's important to know if it's just a DMP (which relies on creditors' good will to freeze interest) or a Debt
Payment Programme under the Debt Arrangement Scheme (which means that they HAVE to freeze interest, by law).

If you're on a normal DMP, then DAS would give you more protection and guarantees.

If you're on a payment programme under DAS, then you have the right (by law) to ask your money adviser to apply for a change to the amount you're paying each month, because your circumstances have changed (increases in fuel costs, for example).

The change might not be accepted, but it's worth a try, especially if it wouldn't take your plan over ten years for repayment.

HTH

Thanks for the reply,

It's just a normal DMP,all interest has been stopped as all my debts are now in the hands of each respectives banks collection agency so the amount won't go up anymore, when I was with payplan a couple of years ago my debt increased by £800 due to interest and charges but thankfully they won't anymore.

I don't think my repayments can be reduced as I am paying the bare mimimum of £100.00pm, I have paid £300 to my debts so still £7400 to go.