new here help with DMP??

desperatelyunhappy

HELLO i am new here, my o/h called the national debt line and they recommended a dmp. well i have just had the papers through and i still dont get it:eek: , perviously we have been meeting all the bills but having to feed our self off the crdit cards..we obviously need help but

i feel sick atm as i have 2 young children and want to know how the dmp works am i going to spend the next 6 years telling my children no to everything w do barely anything as it is, my oldest is 11 and we have never even been able taken them on holiday.. what about christmas, school trips, birthdays ect....

can someone please explain is they give allowances for that? your experiences of dmp?

please help as i am desperately unhappy

p.s i didnt mention to the ndl about one debt my hubby doesnt know about and even when asked by the ndl i lied stupidly (didnt want to put any more strain on my o/h should i come clean?

debtmuncher

hi!
if you look at my diary post "enough is enough" you will see that the first statement of affairs is what we were orginally paying out but now having contacted cccs and going onto a dmp the new statement of affairs just added in today is what we were paying and the remainder going to creditors.

debtmuncher

ps you need to tell them about the one you havent mentioned because they will be getting hte normal payment and the other creditors reduced payment...so if they find out you are still paying something out at the normal payment they wont be happy bunnies. also its possible that its enough to get you dropped from the plan.

i orginally forgot to put two of our loans down and it wasnt till the paperwork came thrugh that hubby told me so i just made an apology and told them about the other two...no concerns with it.

MummyOnAMission_2

Hi there, sorry to hear you are feeling so unhappy. I know how you are feeling but as many will tell you on here there is a light at the end of the tunnel. Was the info the NDL sent you to do a self help DMP? Ive had the info and yes it can seem confusing. I decided to ring CCCS. They will help you set up a DMP if you have enough money available each month. And ive not had much experience with them yet but from what I have read on here they will help you every step of the way.
They do like to include all your debts. It would be best for you as well so they can then make a correct figure of how much you could afford. I would tell them everything and your OH as well. It would be a weight off your mind im sure not having to hide things from them.
You do get an allowence for food clothes etc but again I cant help on the amounts yet but someone else maybe able to.
I hope some of this helps and they will be others along soon to help you. Please try not to worry. I know its hard cos Im a little worrier myself. If you want to post a SOA as well others on here maybe able to help you cut costs maybe somewhere.

good luck x

desperatelyunhappy

whats a soa?

Deep_In_Debt

Hi
I'm on a dmp with CCCS and they do allow you money for Christmas and birthdays. However, I've managed to live on groceries less than they suggested so the extra money I squirrel away (if that makes sense!). You get used to it after a while and do learn to budget and live within your means. You need to include all your unsecured debts.

Please do not worry - we've all been where you are right now so we do know how it feels.

CCCS have an online debt remedy tool that you could do - they would advise you of the amounts that are allowed for you living costs etc.

Good luck and keep posting.

debtmuncher

desperatelyunhappy wrote: »

whats a soa?

it stands for statement of affairs...just a list of what you are paying out and income etc.

i thought there was a link in one of the stickys above but i cant see it so hopefully someone else will link to it.

debtmuncher

link to soa

just click on above to take you to it.

mollygrub

Hello all, I must be really dim as I just cannot see where or how I start a new post???? I really want some advice on the option of a DMP or just knuckle down and battle it out myself - I have done an SOA but cannot figure out how to get it on here????

Any assistance would be much appreciated as to how to start a new post and get some guidance. Many thanks Moll

debtmuncher

mollygrub wrote: »

Hello all, I must be really dim as I just cannot see where or how I start a new post???? I really want some advice on the option of a DMP or just knuckle down and battle it out myself - I have done an SOA but cannot figure out how to get it on here????

Any assistance would be much appreciated as to how to start a new post and get some guidance. Many thanks Moll

if you look at the bottom of the page you will find a button for new topic...just click on that and you are on your way!:T

you will find it on the forum page...not at the bottom of this page if you get me!!

mollygrub

Thank you I will give it a go.......