newbie

blondieb

hi everyone im new to the boards, but im going to have a good look at what help is on offer, before i post my soa i should say our soa as me and hubby are in this for the long haul, what i really need to know before i finish filling out my debt remedy is, what does companys like mbna halifax tsb yorkshire bank etc say about going on a dmp, are they ok or do they stand in your way or have there own in house sort of payment plan, im not behind on any payments yet but i can see problems ahead

a

thanks

blondie b

beanielou

Cant answer your q but just wanted to say hi & welcome to MSE.
Sure someone will be along to help soon.

10past6

Hi b :hello:

Welcome to the forum

blondieb wrote: »

what does companys like mbna halifax tsb yorkshire bank etc say about going on a dmp

Creditors are never happy when someone enters into a DMP, that being said, the current financial climate we're under will be no surprise to any of them when a customer enters into one.

For a few months it wil be a bumpy ride, as they have to go through a process as your debt is passed between different departments, this is internal polictics, just ride the storm, there will be plenty of advice / support on here as and when you require it.

When I say bumpy ride, this could be letters / phone calls from them.

Numpty_Monkey

:hello:hi welcome aboard
The help on here is amazing:A,
By the sound of your post you are already going with CCCS:A
In answer to your question I think that all the companys behave differently to different people, that makes it as clear as mud but its as near as i have got to the answer:o

Go on be a devil and post your SOA here the great and good will have a look and make suggestions on savings and stuff

Link to SOA calc:whistle:
http://www.makesenseofcards.com/soacalc.html


You're among friends here:T

Miss_Piggy_2

Hi and welcome to the board

If you post your SOA we can all try and make helpful suggestions

As 10past6 say, no creditor is going to be chuffed about your going into a DMP, but I'm sure the number of people doing it is on the up.

The only creditor I have experience of is MBNA. My husband contacted them to say he is going on a DMP and they wrote back immediately to say all charges and interest would be stopped and they would accept the payment offered. Obviously their response depends on the debt and the payment offered though.

Don't worry, you are in the right place for advice and help. :grouphug:

Miss P
xx

blondieb

thanks for everyones help and advise, im not sure wether to go with cccs or payplan, is there much difference?, im so stressed at the minute, i cant think straight or of anything but numbers and figures, ive had an awful day at work, really stressfull and if someones says something nice to me i think il cry, and ive done enough of that this past month, ive had to bite my lip a few times to day as its wobbled abit,

ive had no sleep for nearly a month and its starting to take its toll,

any way thats my moan for tonight, im going to do the scary thing tomorrow night , and sort out the soa, ive half completed debt remedy on cccs too but got scared,


thanks for all the welcomes and ill be back


blondieb

DebtFreeDan

Hi blondie, as a fellow newbie I thought I'd say hi!

I know how you feel, I've been there. Companies would rather you pay back what you can afford rather than going bankrupt and getting nothing from you. The minute you pick up the phone you'll feel better but before you do I'm sure there are many people on here who can help suggest who and how to go about it all.

Got my fingers crossed for you. It does get easier once you start the ball rolling.

Dan x

blondieb

thanks, im so scared that when i start the ball rolling it rolls out of controll, what if the creditors for credit cards refuse to accept the offers, mbna are awful, not sure about bank of scotland tsb etc, are they slightly understanding. do they take on board that i do want to pay my debts of etc my heads in a whirl so much to ask,

i really must go now,

thanks

Numpty_Monkey

From personal expierence

Calling CCCS was the best thing i did, they are human and more importantly they are on your side, the relief is breathtaking
As 10past said it may be a bumpy ride for a few months

And your right doing your SOA is scarey, just remember it is not an exam no really right or wrong answers, its how you are spending your money

I think you could do with one of these:grouphug: a dodgy group hug
it might make you go :eek: or :rotfl:or, never worked it out myself:o:rolleyes:

hope you get some sleep:A