DMP Mutual Support Thread (Part 5)

debtfreeian

Clucky26,

Sorry didn't realise and I don't want to panic anyone. I only asked because I have two O/D that I could move to another lender as they are with my employer.

Feel bad now... Don't want to cause undue stress for anyone.

clucky26

debtfreeian wrote: »

Clucky26,

Sorry didn't realise and I don't want to panic anyone. I only asked because I have two O/D that I could move to another lender as they are with my employer.

Feel bad now... Don't want to cause undue stress for anyone.

Please don't feel bad!!!!!!! I'm just a worrier and I'd already thought of this myself, did ask the question on here and creditors usually accept in a couple of months if there has been activity on the account. But suddenly thought for a moment may be different with balance transfers!
I've moved some of the horrible creditors to the (I say loosely) 'better ones!! I have enough money to make this month payments so hoping that should be ok! I will ring cccs tomorrow to check!
I feel bad now, don't want to make you feel bad!

Does any one else have any thoughts on this?
xx

clucky26

peachykeen wrote: »

Long time user of MSE but never really had time to post/follow the boards. I am on a DMP and the relief it has given me has been amazing - I now sleep through the night! Lots of thanks to MSE and CCCS for this.

Now I need to pick your brains....does anyone know what the likelihood is of my creditors accepting a renegotiated DMP due to what you may vaguely call an "unexpected change in circumstances" or rather a bundle of baby joy due in the next 6 months?! I am very worried that I need to be saving and my outgoings are going to go up (we have a flatmate at the moment but they will have to go eventually which will see a rent hike/council tax hike) as well as all the other essentials and when the baby comes by income will go down by 10% ( I am lucky to have good maternity benefits at work). If anyone has any tips/experience of this I would be really grateful if you could share them!

xx

Hi Peachykeen
Hello :beer:

I've not been using this site very long either, but looking at National debt line website may help:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=29_debt_management_plan


Congratulations on your expected bundle of joy.

xx

oops didn't realise your already on DMP - just read that part!! said I was new, just didn't want you to be waiting for a reply - still finding my feet - sorry! Goodluck

clucky26

Toffee_Penny wrote: »

Morning all hope everyone is well?


http://www.consumerwiki.co.uk/index.php/Debt_Collectors:_On_the_Inside


interesting reading don't you think? :rolleyes:

Very interesting mmmm........ Thank you Toffee Penny

I seem to be taking over this page with my posts sorry!!

ianmak

And Chancer63 gets the Kinder Surprise! DMP No: 300.

I couldn't find a decent image or treat, so amuse yourself with this article...
http://www.reuters.com/article/newsOne/idUSL0145707520070802

clucky26

ianmak wrote: »

And Chancer63 gets the Kinder Surprise! DMP No: 300.

I couldn't find a decent image or treat, so amuse yourself with this article...
http://www.reuters.com/article/newsOne/idUSL0145707520070802

well done chancer63 :j:j

candygirl

hi everyone, hope you're all ok:DI've been getting increasingly hassled by my 3 creditors recently:rolleyes:
.The calls have increased despite me writing to them etc.My mum has offered to help me pay some of the debt off, but can anyone remind me what it's called when you offer them a full and final payment which is less than the full balance, as i've seen it mentioned on here, but can't find it

chancer63

Hey! I won a prize and didn't even realise til now :j Thankyou very much! Hope you all had a smashing Easter. We made our first payment to CCCS this month :T feels good.

No one has answered my question about starting Uni while on a DMP yet? Does anyone know about the student loans/ change of income etc? Are there any students out there on a DMP?

Thankyou muchly


DMP Mutual Support Thread member 300

peachykeen

to Clucky26 for the advice anyway and welcoming words!
xxx

debrag

has anyone had to decrease debt payments at? If so how did the creditors react