DMP Mutual Support Thread (Part 5)

marfan_not_martian

Thanks Massivedebts and DLB and Penny39- I am ok -just have off days when I cannot do anything I am looking forward to my dmp starting in March and so far to be honest creditors have been fairly quite and most have agreed to it. Not done a lot today as dont feel 100% but have done a bit more than the last few days. I am looking forward to the weekend and sorting out my paperwork as I have made nearly all the token payments for February so just need to update my creditor amounts.

Hope everyone has a good weekend and thanks for the concern it is really nice to be part of a virtual community xxxxxx

dlb

Virtual community we are!! we are here for virtual
1-Support
2-Advise
3-Friendship
4-Sharing and shoulders to cry and moan on.
5-In fact virtually anything!!

One big online family!!!

Keep your heads up everyone...together we can get through anything...just wish you were all here to help me get through this wine!!!! lol
xxxx
Donna

marfan_not_martian

Yep one big family :beer:

Enjoy your wine DLB you thoroughly deserve a nice drink you have been so supportive to everyone - enjoy whats left of your birthday xx

billybobberyl

thank you dlb for the template letter, and belated happy birthday.

i am also pleased to slowly being brave enough to post and become an acive member of this community and i just want to say thanks to all of you for being so helpful and making me realise i am not alone in this.

NEWLIFE_WANNABE

So sorry DLB, meant to do it earlier, happy belated, hope you have had a great day and you can have a glass for me as I have had a really bad week at work and am so glad its Friday. :j

billybobberyl

ok things started going right, should have known that was a bad sign.

am i process of setting up mydmp and we have just realised that come april we no longer qualify for working tax credits as my husband earns £17,000.
this takes our income down by £319 a month which i £20 over our dmp payment so my big question is

now what?
am stressed have a sick toddler and feel like i want to cry again now feels like we back to the beginning.

NEWLIFE_WANNABE

Hi Billbobberyl, who is your DMP with? If it has not started yet and is being sorted by CCCS or Payplan then they should be able to amend. I forgot one of my creditors and they managed to add it on just before they sent out the reduced payment offers. Hopefully it will not be as bad as your first think and may just mean your payments are reduced. I'll keep my fingers crossed for you and keep your chin up, this 'wannabe debtfree' game was never going to be easy but if we all stick together we should get there.

billybobberyl

with cccs but not starting til may.
but payments to them were to be £298 and we are losing £318 so have to pay them minus £22

debrag

they will be able to amend payments

billybobberyl

sorry i know im being a pain but i am stressing and panicking and things make even less sense then!

we have worked out a tight budget and the excess is 298 pounds, we are now losing 318 pounds of our income
so no adjusting is going to make that add up, we will not have any excess left at all.
or am i being stupid