DMP Mutual Support Thread (Part 5)

jenevieve

Hi Rachelfleur,
I'm a newbie myself but I filled in the Debt Remedy online tool on the CCCS website and as it suggested a DMP, I ticked the online box to go ahead. Within about 5 days, I had received a letter from CCCS which included my agreement with them - which I need to send back with proof of salary and creditors' statements and notification of debt letter - which goes to all creditors. I have already sent of a token payment of £2 to each creditor with a letter explaining that I am in financial difficulty and am arranging a DMP with CCCS and asking them to accept my token payment as a willing gesture that I still wish to deal with my debts.

I read on another post that if you send back all the info to CCCS before the 10th of the month, then they start taking your first payment on the following 1st - I don't think I will get all my latest statements in time so am planning to start my DMP on 1st May which gives me time to shore up my emergency fund.

Hope that helps.
Welcome to the thread - the guys here are absolutely fab and helpful and you won't find a more supportive non-judgemental group.

rainman31

Hi Rachaelfleur

You are in the right place for advice, I'm with the CCCs so I'll tell you what happened with me.

CCCS will go through a budget with you and determine what you can afford.

They will advise that you send token payments only (usually £1) while they send you a welcome pack. You will also get a reference number.

The pack will contain letters you copy and send to your creditors stating that you are going on a DMP.

Send the signed declaration plus proof of income and what you owe and to whom ( account numbers) to CCCS, they should also have told you what date to send first payment.

From first contact until first payment mine was approx 3-6 weeks.

If anyone rings tell them you are going on a DMP and quote the reference number. DON'T give them security information to access your account, they'll only try to hassale you, just hang up when they have the CCCs info.

ianmak

OLLIETHECOLLIE wrote: »

Hi stOlli

We are exactly the same No phonecalls - hopefully its because they are dealing with the DMP or its the calm before the storm - sorry thats not very reassuring - but its so great not to have the calls!

Olliex

I have a digital type phone that has caller display, and notes about the last 30 odd callers. I haven't received any calls for about a week now (I was getting around 10 a day). I feel like ringing them up for a chat. I feel unloved. *sniff*

HopeTRMD

Enjoy the peace and quiet.
There's enough love on this thread for you:A :rotfl:

HopeTRMD

dlb wrote: »

Morning all.
CAR PASSED ITS MOT!!!!!!!! Thank godness for that another thing i can tick off the list!!!! a good day all, keep smiling and be proud!
Donna
xxx

Donna,:beer: That must be a relief....great news!!:D

dlb

Thanks TRMD i always getted worked up about MOT day....just because its something you have no control over cant say for definate if you have enough money put away to mend anything it fails on.....and im such a budget freak these days i hate not being in control of the money!!!! But luckly its passed...got a advisery but only something small will cost about £20 to get it sorted!

Also went through my car insurance details yesterday and realised its paid up for this year, with the 1st march dd gone out...so thats 2 months where i have £28 spare for emergency fund...now for the joy of insurance shopping lol!!!!! I like the fact now im on the dmp i can shop around for the best deal instead of staying and renewing with the firm im with so i dont have to pay a deposite!!!!

Payplan still not showing up my standing order that went out of bank to them on the 2nd...but im not worrying to much as obviously it went out a day late due to 1st falling on a sunday. Justabank showing all my details and budget which im logging into at least 3 times a day lol just think its super cool to be able to see everything in one place!!!! sad i know!!!lol

Have a great day all..im off out power walking this morning in training for the Race for Life and determind to loss that last half stone to reach my weight loss goal...2st 3lb loss for far....so will catch up with you all later

Be proud and possitive everyone
Donna
xx

msc1977

dlb wrote: »

Also went through my car insurance details yesterday and realised its paid up for this year, with the 1st march dd gone out...so thats 2 months where i have £28 spare for emergency fund...now for the joy of insurance shopping lol!!!!! I like the fact now im on the dmp i can shop around for the best deal instead of staying and renewing with the firm im with so i dont have to pay a deposite!!!!


xx

OMG - thank you - my car insurance expires today - i was meant to call last night and got totally side tracked then hadnt given it a second thought till just!!!! Hope the boss lets me use his phone for the 08 number;) !!!!

have a good day everyone xxx

massivedebts

Morning all! :j :j


And what a bright sunny one it is too!..............Well it is in Surrey, I believe some areas have snow!>>>>OOER>>>.:eek:
Anyway, thanks for all your replies re tracking postal orders, unfortunately because I didn't send 'special delivery' I am unable to track, however I have just looked at my HSBC account on line and they've credited my £1 to our account, so looks like it's all about to kick off any day now.
Enjoy your days, welcome to RF, nice of you to join us, we're having a party on the 1st, if you're up for it!;)
Take care
MD xx

rachaelfleur

rainman31 wrote: »

Hi Rachaelfleur

They will advise that you send token payments only (usually £1) while they send you a welcome pack. You will also get a reference number.

Thanks everyone for the info, you've been really helpful. I think I'm going to agree today with CCCS and get the ball rolling.

I take it you sent your creditors a cheque for £1? I don't own a cheque book, how do I get these payments to them?

newlywed

St0lli wrote: »

How la de dah! :rotfl:

My lever arch file is feeling a tad inferior now! I still love him (I mean it!) though :rotfl:

If it was me, I'd have a lever arch file (with dividers ) - but OH insisted on keeping his filing cabinet. It's a nice wood effect two drawer one that sits inside the bottom of his wardrobe.

But it wasn't me that printed out labels for all the suspension tabs :rolleyes: