DMP Mutual Support Thread (Part 5)

saskia1

Eupho wrote: »

I was just thinking.. One thing Sas could add on her correspondence if that does come up .. is that she DOES work for HSBC... and the circumstances are different for that debt. That she would risk losing her job etc... and would therefore PROBABLY be unable to pay anyone any money at all.


V Godd idea Eupho - thank you -cccs were c good when i explained who i worked for but i think they thought i might already be in default with the bank - will phone cccs & see what they say.

thanks all for your lovely words & advice - i feel like i have a whole new set of friends.

( Oh & as for HSBC making loads of calls - really doesn't surprise me at all - i work in a admin dept but beleive me - when i've gone over my limit - they are on the phone in a flash - no special treatment if you are staff - but when they returned my direct debit last week (first time ever had a d/d bounce) - didn't bother phoning me at all - even though i had paid in cash on the same day as i do every month!!!)

so i will slate them along with the rest of you......... hahahaha!!:rotfl:

have great bh w/ends all - doing a car boot tomorrow & its our wedding annivesary - my mum & dad are taking us out for a lovely meal tomorrow -cannot wait!!!!

sas

saskia1

haha - did the quote bit wrong!!! & must check spelling..............

Eupho

leese2504 wrote: »

No you are saying it to yourself and everyone else reading, it's reassuring and helps to keep positive, I can honestly say for the first time in a long time I feel I may have a decent future and have something to look forward to and keep imagining the actual day I become debtfree and never will I ever borrow again, never. never, never, EVER. :D:D:D

:rotfl::T Me too!.. I will NEVER put myself in this (stupid!) situation again. :wall:

Lesson learned! haha.

Eupho

leese2504 wrote: »

Eupho wrote: »

a few creditors have accepted the new payments but one is being painful!

theyve sent five letters in three days all saying different things ...-

they want copy of bank statement - done last week
they want copy payslips-done last week
they want us to set up a standing order-done last week
they want the letter signed-done although wasnt sure he shouldve signed it
and today we had a letter saying they wont accept our letter as the signatures dont match their one on file!!? so they just sent a short letter saying they cant help us as the signatures dont match!


Wow Eupho they're being painful, which creditor is asking for all this? I would'nt send anything else now, it looks like they're trying to fob you off by saying the signatures don't match, hmmmm perhaps you could turn that around on them and state the original one they hold must therefore be fraudulent ha ha :rotfl:

Ohh sorry Leese.. those are not my experiences up there.. It was just one I saw on the 'Ask a counsellor a question' thread.. (just to show that you don't HAVE to send them any of those things that ask for) ..
I just re looked at the post.. and it doesn't say WHO the creditors were.

leese2504

Eupho wrote: »

leese2504 wrote: »

Ohh sorry Leese.. those are not my experiences up there.. It was just one I saw on the 'Ask a counsellor a question' thread.. (just to show that you don't HAVE to send them any of those things that ask for) ..
I just re looked at the post.. and it doesn't say WHO the creditors were.

HA HA i am such a tool!!! Can't believe someone has to send all that stuff in, I will be exhausted if I am asked to photocopy that much stuff. Anyhow i am so excited for this bank hol weekend as for once in a very long time I have a little bit of money in the bank and going to go out for the day with hubby and my 3 daughters, which feels like a lifetime since that last happened. Anybody else doing anything nice this weekend? xx

Eupho

saskia1 wrote: »

so i will slate them along with the rest of you......... hahahaha!!:rotfl:

have great bh w/ends all - doing a car boot tomorrow & its our wedding annivesary - my mum & dad are taking us out for a lovely meal tomorrow -cannot wait!!!!

sas

haha! :rotfl:

I keep meaning to do a car boot.. but never quite get around to it. :rolleyes:
Have a lovely weekend! :beer:

Eupho

leese2504 wrote: »

Eupho wrote: »

HA HA i am such a tool!!! Can't believe someone has to send all that stuff in, I will be exhausted if I am asked to photocopy that much stuff. Anyhow i am so excited for this bank hol weekend as for once in a very long time I have a little bit of money in the bank and going to go out for the day with hubby and my 3 daughters, which feels like a lifetime since that last happened. Anybody else doing anything nice this weekend? xx

Yaaaay! that will be nice! .. I'm working for some of the weekend.. and some of BH Monday.. :rolleyes: (but I booked a week off in a few weeks! :T)

Dont forget.. if you ever DO get letters asking for those things.. dont send them. Just stand you ground. :beer:

Eupho

ladyday wrote: »

Hi all,

I thought I'd share my good news that one of my biggest creditors, Marbles, have agreed to accept my DMP payments for a year and freeze interest :j I plucked up the courage to call them myself and they were ok with everything phew, that's a big weight off my mind as they were charging £150 a month in interest and charges. Now it just seems like Egg are going to be awkward as I've had a letter that the account will be transferred to a DCA so I'm going into unknown territory and I'm dreading the calls :eek:

Brilliant news on Marbles.. thats some pressure off :T

I think I read that being passed to a DCA could turn out to be a good thing.. (dont hold me that tho.. haha.. I havent read up on that really yet)

Eupho

leese2504 wrote: »

Good news re Marbles, with regards to DCA I could be totally wrong here as you're way ahead of me, but usually they stop the interest etc and tend to be easier to negotiate with re reduced pmts, but please dont hold me to that:D

Yeah... that ^

smcshane

Hi all,

Just wanted to let you guys know how you have cheered me up today. All your banter made me smile.:A
Have been having a tough few days with OH and just being scared of how the DMP is going to go. First payment June 1st so will just have to see what awaits us.
sx