DMP Mutual Support Thread (Part 5)

Daffykjs

dlb wrote: »

Iv just logged into payplans justabank site, and i am well impressed, all my creditors listed ballances, amount of repayments they are to be getting, loads and loads of great information...i never got this with the flipping fee paying company!!!

I can see i am going to be logging in lots just to see all the ballances go down, i have it all on paper but to see it online thats cool!!!

Sorry sad Donna moment lol..im sooooooooo easy to please!!
LOL

It's great isn't it!! I may have only just started on my dmp but I'm well inpressed with Payplan so far!

Oh and Happy Birthday!!

Daffykjs

cocker100 wrote: »

I'm just about to start reclaiming bank/credit card charges. That is my next mission!;)

Cocker:)

This is my next mission too!! I CAN do it whilst on a dmp can i?? I have no idea where to start and have put it off and put it off! But i really must do it!!

bexxie90

Happy Birthday DLB
sorry forgot to say earlier

xx

NEWLIFE_WANNABE

Hi guys,

just to update... My DMP through CCCS starts 1st March. Since getting notification from my first creditor (A&L) yesterday that they have agreed to reduced payments for a period of 3 months before review I have received three more letters today. Two virgin credit cards and a MBNA card with debts totalling around £10,000. After reading many horror stories here, I got my OH to open them and read the contents to me over the phone! Virgin and MBNA (although they are linked anyway but still send seperate letters with exactly the same wording) have agreed to the reduced payments on 0% interest for a period of 12 months. I am so happy as at least the payments I make will put a dent in the total debt. Only ten more creditors to hear back from now so cross your fingers for me. My OH did say that we had also received a statement from Barclaycard asking for two payments even though they had a token last month so I am not expecting great things from them but at least its a start! :j

2spicy

Well, after being turned down by all of our creditors to accept our FnF offers, weve now put the lot on the DMP and increased our emergency fund by £5000. I think a Mini ISA for 12 months, let the money actually make some money instead of soaking up the debt.
Also, Postman delivered a letter from our mortgage company. They have dropped the baserate to 3% and as a result our payments have dropped by another £50 a month (looking back through our records, when our DMP figures were given to PayPlan, we were payiong £289 a month on part of our mortgage. this is now £140 !!! )
Weve already discussed what we intend to do with the surplus, and that is to bank it, and every £1000 we save, put it aside for FnF offers in 12 months

Result !!!...
Now, if we can just get one creditor to accept a FnF payment before we commit the money to an ISA, then well be happy.

Yummy, well done on following up on the court papers, another result.

marfan_not_martian

:bdaycake: Happy Birthday Donna (DLB) - hope you are having a great day xxx

Well done newlifewannabe - thats great news that some of your creditors are onside and freezing interest xxxx

What a result yummy mummy - well done xxx

2Spicy sorry to hear about your creditors not accepting F&F but hey at least you got a nice stash to put away and good news that your mortgage has also reduced xxx


Hope everyone is ok - I am been a bit under the weather the past few days and not felt well at all - am feeling a little better today and have received letters from Next, Littlewoods and Capital one saying that they have all frozen interest for the next 6 - 12 months. So good result there just waiting to hear back from a few more.

Have a great weekend everyone :beer:

debrag

to think I've loosing £100 ish from my pay each month but I'm increasing my payments to payplan lol

Going to be phoning Nationwide tonight to sort out my OD (not on my DMP) and also TSB to stop them calling, you'd think after 3 years they'd give up wouldn't you?!

Want to get both my OD's paid plus my DCA's then my other payments will increase.

massivedebts

Nice to hear from you MNM, was getting a little worried.
Hope you feel better soon
MD xx

dlb

Hiya MNM also, hope your feeling ok soon. xxxx

Well i think my friends and family are trying to tell me something 5 bottles of wine recived so far today!!!!! And because they are pressies you just have to drink them!!! lol...im on the first one now!!!

Donnaxxxx

penny39

Happy Birthday to you,happy birthday to you,happy birthday dear DLB,happy birthday to you!x

MNM,like MD am glad to see you back,it's funny how you do worry where people have gone to when they don't post for a day or two..Hope you are feeling much better soon x

Yummy Mummy, am so pleased for you! Well done for tackling them-doesn't it make you feel better when you take the initiative? Makes you feel more in control of the whole situation, rather than sitting worrying(remind me of this next time I unplug my landline to avoid even the possibility of calls..!!)x

Bexxie,hope your day has improved and you and hubby made it up. I know it must be such a strain on your relationship( upside of being single is no relationship to strain:rolleyes: !)but you are stronger and better than them!x

And Rugby,things will get better,sorry about your friend but the sun will come out again.

Penny x