Here we go - DMP Started Yesterday

2009_is_my_year

well Hello everyone - I have been lurking and reading here since the end of October - which for me was the day of realisation.

Without going into boring whys and wherefors I have started my debt management plan through Payplan yesterday.

It is a horrific amount of debt and currently I am paying the minimum towards it but as my job is basic plus commission I plan to throw all my commission at the debt.

Soooooo my pledge is by Christmas 2009 to have made a huge hole in my debt and be on my way to a debt free future.

Also can I just say I havent used a credit card since 12th November which for me is more or less unheard of - and I cut up my credit cards into a big pile and they are my screen saver on my laptop and mobile hehehehe

Anyway I wanted to say that you guys on here saved my sanity over some dark dark mornings and evenings last month and to all those that are reading this and are in the depths of despair I am really really with you xxxxx

pepe2008

Well done on taking the first steps:j

I'm a year into a £64000 dmp with CCCS, but I know I'll get there with their help.

Deep_In_Debt

Yep, well done for taking the first steps. You can do it and you will do it!! Keep posting on here for all the support and help you need.
Well done for cutting the cards up - that's a great first step.
Good luck.

2009_is_my_year

Thank you - cutting the cards was very therapeutic I can tell you, I mean they will all be frozen very soon anyway but something about me CHOOSING not to use them anymore rather than someone telling me I couldnt was FABULOUS!!!!!!!!!!!!!!

Deep_In_Debt

I know where you are coming from!!! Very therapeutic! I sent my cut up cards back to my creditors as they had requested, and what did they do....send me replacement cards!!!...which promptly got cut up again and recycled!

edinburgher

Keep us posted - glad to have you aboard

2009_is_my_year

Deep_In_Debt wrote: »

I know where you are coming from!!! Very therapeutic! I sent my cut up cards back to my creditors as they had requested, and what did they do....send me replacement cards!!!...which promptly got cut up again and recycled!

It amazes me one of my cc card companies sent me a letter last week RAISING my credit limit to wait for it £15,000!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I know that no one forces you to use it but seriously its mad!!!!!

candygirl

Well done on taking the first step:T I'm getting a telephone interview with CCCS next week, and hope to start a DMP ASAP, making small payments to 3 credit card companies:D It's now or never;)

2009_is_my_year

candygirl wrote: »

Well done on taking the first step:T I'm getting a telephone interview with CCCS next week, and hope to start a DMP ASAP, making small payments to 3 credit card companies:D It's now or never;)

Seriously its the best call I ever made - I was in floods of tears to this poor man and felt such a failure. The shame I felt at having to do this was immense! I was sleeping for about two hours a night and tearing myself apart but after that one call I felt about 20 years younger. I have had two of my creditors call me so far and I have told them my DMP ref number and they have both frozen my accounts in readyness for the offers. Now as my offers are going to be awfully low I am expecting a bumpy ride but hey ho it was my decision to get into debt so I have to 'suck it up' and deal with it. I have a shiny new folder marked - default notices and am filing the letters and liaising with my DMP case manager and feel for the first time in control.

The switching bank accounts and getting my salary paid into the new account went smoothly too so big thumbs up there too.

edinburgher

2009_is_my_year wrote: »

It amazes me one of my cc card companies sent me a letter last week RAISING my credit limit to wait for it £15,000!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I know that no one forces you to use it but seriously its mad!!!!!

At my worst point as a student, BOS tried to raise my limit to £10.5k, which I refused. I was earning £3k. :mad:

dsljfreeman

We are in the process of setting up a dmp with CCCS, the pile of cut up credit cards amazed me, I couldn't believe there were so many.

Contacting CCCS was the best decision I made and now I can honestly say Im really looking forward to Christmas this year instead of dreading it xx