All My Debts...Pls Be Gentle With Me

Annie_Fanny

Hey Pixie

Really really well done!

Regarding telling your partner - I do understand both arguments - but I personally think your approach is a good one. I think that when you do tell your partner you will have the added benefit of experience - rather then approaching your partner with just problems you will now be able to approach them with your problems but CRUCIALLY with a solution as well. You have faced up to your own debts and taken responsibility for them. Well done! Maybe you could consider following the DMP for a length of time and then tell your partner?

Just thought I would throw one thing into the discussion - any thoughts about getting an additional part time job? I don't know how an additional income would be viewed by the CCCS/payplan but just think that the extra money could potentially reduce those 9 years by months maybe even years.....

Good luck - do keep us up to date! :T

Annie
Xx

carl310166

pixie1 wrote:

Thanks Moo, youre a sweetie

On the downside of things Ive just opened my post and my bank have charged me £30 for honoring a dd when funds were not available. Guess how much my dd was for?? 62p talk talk!!! Im furious!

You might want to read this thread on the current account board,

http://forums.moneysavingexpert.com/showthread.html?t=115112

i haven't read it all,but the first post looks good for your situation.

pixie1

Well just a little update and re-cap (sorry to dump an old thread but its a great release typing it all up here)

My new bank account is opne, my wages will be paid in here without any problems from this month
My CCCS appointment went really well, such a lovely understanding lady
Today Ive posted off ALL my dmp letters with token payments & Ive returned all my bills etc to the CCCS

Now I just have to sit back and wait for my dmp to be accepted or rejected.....figners crossed.

Pixie

p.s. I did get a payrise this week so hopefully I can now reduce the number of years its going to take me to clear my mess up!!

tattooed_lady

pixie1 wrote:

Now I just have to sit back and wait for my dmp to be accepted or rejected.....figners crossed.

I'm sure it will be fine Pixie. I'd be interested to know how many people actually had their DMP rejected?? I think that CCCS being such a reputable debt help charity most people have had no probs other than initial teething trouble