We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The First Good Day
ScrybSprite
Posts: 22 Forumite
Firstly, thank you to everyone who's been giving me advice on this forum over the last couple of days. I'm going to be taking up a debt management plan from either CCCS or PayPlan.
As the first step, I've just been into town to switch banks. I've gone with Halifax after stumbling over ID with Nat West (no driving licence or passport). I've given them the details of my Barclays accounts to get everything swtiched over, and they're giving me £90 (£50 for one account, £40 for the other). A totally unexpected bonus. A good day at last!!
As the first step, I've just been into town to switch banks. I've gone with Halifax after stumbling over ID with Nat West (no driving licence or passport). I've given them the details of my Barclays accounts to get everything swtiched over, and they're giving me £90 (£50 for one account, £40 for the other). A totally unexpected bonus. A good day at last!!
0
Comments
-
Hurrah! Nice to hear some good news for once.
I agree that it's such a relief when you have made the first contact with (in my case) CCCS. It felt like a weight was lifted off my shoulders.[FONT="]I am a Travel Agent [/FONT][FONT="]My company’s ATOL/ABTA numbers are E7760/3970. MSE doesn't check my status as a Travel Agent, so you need to take my word for it. Atol numbers can be checked with the Civil Aviation Authority. This signature is here as I follow MSE's Travel Agent Code of Conduct.[/FONT]0 -
Brilliant - well done you :T It's a lovely feeling when your first salary goes into your new account ... without being swallowed by an overdraft!!! I have a spreadsheet where I record all my expenses and every couple of days I'm reconciling it to my online bank statement, and I know to the PENNY what I've got in there. I changed all my direct debits myself by phoning them all up, just so I knew it was done, and the whole process only took about 3 days.
Now you just need to start saving every statement that comes through the door, so you can send copies to CCCS/PayPlan with your signed agreement for them to act on your behalf. I kept a plastic wallet for them all and just photocopied the whole pack when I'd got the lot together. Wage slip, bank statement and all credit card statements. I also typed up a table of all my creditors with the account numbers, addresses, amounts owing and credit limit for each. More for my own reference, but I thought they might find it useful! I also sent them a copy of the form which I'd sent to all my creditors, so they could see the reason I'd put for my having to go DMP.
Now just waiting for my letter back from CCCS replying to the pack of information I sent them. I think they send out a direct debit form for their monthly payment, plus a note of what they will be paying each creditor, for my information. Hopefully I'll get that soon.DMP Mutual Support Thread member 244
Quit smoking 13/05/2013
Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go
0 -
Yay good news
Congrats Debt Then 06.07 - £11,000 - Debt Now £0.00
DFD Aug 20110
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.4K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards