DMP Mutual Support Thread (Part 5)

Toffee_Penny

Hey you!

Good to see you stranger, was thinking about you today hoping you ok cause you hadn't been on in a while So many new people on here lately, it is a fast moving thread.


How's things?

bexxie90

bexxie90 wrote: »

My worry is-got paid today in my N/W account (wages going to new bank next month) so have done a manual transfer for the wages to go in new one tomorrow was quickest I could do as didnt have a card reader and to do via a standing order,my Q is....will this be ok? I am being paranoid as I sent my letters with token payments in today although obv not my bank. Just wondered why people alwats say they want to withdraw monies cash and not by Transfer have I done something awful?


Thanks guy's (am addicted to this thread!)
xx

Hi any answers yet-thread moved so quick I assumed this got missed. Sorry if I am a pain.

Kudox

Toffee_Penny wrote: »

Hey you!

Good to see you stranger, was thinking about you today hoping you ok cause you hadn't been on in a while So many new people on here lately, it is a fast moving thread.


How's things?

Hi TP, cheers for your thoughts:beer:

I'm fine just been a bit swamped lately what with one thing or another.
You're right it is fast moving thread at the moment, difficult to catch up if you don't make it online for a few days.
Trying to sort things out with OH creditors is a bit of a nightmare and is taking up a lot of time but hopefully we'll get there in end.

Hope all ok with you how did you go on with the no smoking thing or should I not mention it. OH is having another crack at it so we'll see how that goes:eek:

ruthie70

[quote=Toffee Penny;18975627]I know how you feel Cocker , I feel I have not had a proper nights sleep since December since I decided to start my reclaiming ppi and card charges. But you have to remember the research pays off and you do become wiser because you now know what the creditor can and can't do. I now have MSE, CAG, FLA and Financial Ombudsman in my favourites!

:rotfl: :rotfl: and I thought I was the only one who couldn't sleep because of the reclaiming lark - it takes over your life - it's like a full-time job. I can only concentrate on one at a time - then when I look at how much they've taken from me over the years I get mad, then can't sleep as I lie awake plotting revenge :mad: Has anyone had any joy claiming back the £12 charges or do they only pay up if the charges were in excess of that? At the moment one of my creditors is whacking on £24 per mont but cleverly disguising this as £12 over limit fee and £12 late payment fee - in my reclaim should I just lump them together as £24?

St0lli

Hi Bexxie.. I'm not sure if this helps but I remember CCCS telling me that if I didn't get my salary paid into my new account I could take a letter in to my old bank advising them of my 'First Right of Appropriation'. This meant that they couldn't use the money that was paid in to pay off any of debts owed to them before priority debts were paid. If you google it I'm sure there will be template... or maybe on national debtline website?

HTH xx

Toffee_Penny

Sorry Bexxie I don't understand what you asking, I'm not too sure how standing orders work but if they do manual transfer your money should be ok. I suppose cash would be best as you know you have withdrawn the lot.

Kudox I haven't smoked since last Saturday! :j But I have been eating Wine Gums you know the ones from the same makers as Fruit Pastilles but they keep getting stuck in me teeth!

Kudox

Bexxie90 are you worried NW will use your wages to pay other debts you owe them?
I think people usually withdraw the cash cos it's quickest but if you're saying the transfer will take place tomorrow can't see there being a problem.
Sorry if I'm missing something didn't catch your earlier posts
Hope this helps a bit.

St0lli

Hiya.. posted this on my other thread but didn't have much success... Can anyone on here help please?

"Just got home to find a letter from Rish Management Alternatives. Apparently MBNA have instructed them to contact me to secure repayment of the overdue amount (1 month) to bring my account up to date.

Anyone know anything about RMA? Should I just ignore it?

I'm sending off my notice of DMP to MBNA tomorrow (doing it with CCCS) and also £1 token payment etc."

Toffee_Penny

ruthie70 wrote: »

[quote=Toffee Penny;18975627]I know how you feel Cocker , I feel I have not had a proper nights sleep since December since I decided to start my reclaiming ppi and card charges. But you have to remember the research pays off and you do become wiser because you now know what the creditor can and can't do. I now have MSE, CAG, FLA and Financial Ombudsman in my favourites!

:rotfl: :rotfl: and I thought I was the only one who couldn't sleep because of the reclaiming lark - it takes over your life - it's like a full-time job. I can only concentrate on one at a time - then when I look at how much they've taken from me over the years I get mad, then can't sleep as I lie awake plotting revenge :mad: Has anyone had any joy claiming back the £12 charges or do they only pay up if the charges were in excess of that? At the moment one of my creditors is whacking on £24 per mont but cleverly disguising this as £12 over limit fee and £12 late payment fee - in my reclaim should I just lump them together as £24?

Oh I will certainly join you on the plotting revenge bit! :rotfl:

Who is the creditor Ruthie? Yes you can claim back the £12 and its even better they charging you £24, gives you more power

Kudox

Toffee_Penny wrote: »

Sorry Bexxie I don't understand what you asking, I'm not too sure how standing orders work but if they do manual transfer your money should be ok. I suppose cash would be best as you know you have withdrawn the lot.

Kudox I haven't smoked since last Saturday! :j But I have been eating Wine Gums you know the ones from the same makers as Fruit Pastilles but they keep getting stuck in me teeth!

OMG now you've made me start craving wine gums:eek:
Oh well too late to do owt about that now, will have to go and raid the fridge for a decent substitute!