DMP Mutual Support Thread (Part 5)

massivedebts

OLLIETHECOLLIE wrote: »

DLB Thanks for the welcome and just want to say after reading the posts of the last few weeks you are fantastic and especially today 1281 it helps so much.


MD - Im a newcomer starting my DMP on 1 March - but I,ve also seen your posts please don't be disheartend you and me are new to all this and have a long way to go but imagine how much worse it would be without this support.

Olliex

Thanks for your support Ollie x:A

MD xx

bexxie90

Thanks to everyone for all Q's answered and a HUGE hello to newbies (hang on arent I newbie-lol)

Well a little introduction. My name is Beckie,I am married to a great guy and have two little darlings 9 and nearly 2. I was a shopaholic and have managed to stop myself spending what we dont have-was mainly addicted to Next Directory to which I now owe £1200 to so not good :mad: I live in middle of countryside but only 1 hour from London and am fanatical about the chickens I keep.

Sorry type gone all itallics and I dont know how to undo :rotfl: so am off now

xx

OLLIETHECOLLIE

MD and DLB Glad to be on board and look foward to many chats got to sign off now got to get DS ready for college tomorrow but will be back 2morrow though am spending more time on here than working (and thats before I started posting) really bad but its so adictive!

OLLSXX

ianmak

Regards debt free dates, think about the alternative. Paying minimum payments and never quite paying that debt off? Even increasing the debt even more. Going on a DMP is a way of dealing with that problem and at least seeing an end. Yes you may end up with ccjs/charging orders but at least you've pulled your head out of the sand!

bexxie90

Just reading about the CO's and to be honest it has scared me half to death.

Anyone reckon they do it half the time I mean make you sell up,I am in neg equity.
x

massivedebts

bexxie90 wrote: »

Just reading about the CO's and to be honest it has scared me half to death.

Anyone reckon they do it half the time I mean make you sell up,I am in neg equity.
x

Hi Bex:j

We'll never know if our creditors will take the charging Order route or not, but I reckon we just do what we're doing and worry about it IF it ever happens. I'd have thought, and I'm no expert, but if you have no equity what's the point of securing a loan to the property, doesn't make sense. unless I've misunderstood what a Charging Order is, think it's just a secured loan!?!

Let's all try and keep positive, I know I've been a bit of a miserable mare on here this weekend;) , but tomorrow is a new day and what will be will be, just remember we're all in the same boat and know that we have each other for support.:beer:
take care guys

MD xx

bexxie90

Thanks MD

Hubby has got to point where he tells me to shut up and he doesnt want to know anymore as I am driving him nuts talking about money and coming on this site. Well I like to be informed even if he does not.

Men!!
xx

massivedebts

ianmak wrote: »

Regards debt free dates, think about the alternative. Paying minimum payments and never quite paying that debt off? Even increasing the debt even more. Going on a DMP is a way of dealing with that problem and at least seeing an end. Yes you may end up with ccjs/charging orders but at least you've pulled your head out of the sand!

Too right Ianmak, couldn't have put it better myself!;)

weezerfly30

Can someone tell me how long you should wait. i entered all my details on the CCCS site a week ago, it came up with a DMP saying all the info would be sent to me but i havent received anything. What do i do now??
i havent paid anything at all this month, get paid Friday so could pay something, i guess i need to do token payments is that right.
i am soo confused, what is the next step after putting details on the website and requesting the DMP ??

massivedebts

weezerfly30 wrote: »

Can someone tell me how long you should wait. i entered all my details on the CCCS site a week ago, it came up with a DMP saying all the info would be sent to me but i havent received anything. What do i do now??
i havent paid anything at all this month, get paid Friday so could pay something, i guess i need to do token payments is that right.
i am soo confused, what is the next step after putting details on the website and requesting the DMP ??

Hi WF:j

I had a phone appointment with CCCS last Tuesday (17th) and was told that all the paperwork was being sent to me for signing, and I've still not received, I did check that it had been sent & they assure me it has. I suspect they are so busy that they have a slight backlog maybe. I would give them a call to see whether they have sent anything yet.

With regards to token payments etc, MNM:A posted a fab letter on here approx 1 week ago to send with your payments.

Good luck and keep posting so we know how you're getting on.:D
MD xx