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Breaking Point
LCT
Posts: 38 Forumite
Not sure if anyone can help, i think i just need to get things off my chest and into black and white to make them real.
We started a DMP in november last year, but haven't had a month to get "straight" and build up some savings. Nov someone drove into the back of us - we are still waiting for the ins claim to settle. Then xmas with no credit for the first time (!), then i've been ill and needed private treatment, and now the exhaust is about to fall off the car.
We have no money. Not even a pound. I really don't know where to turn.
I get paid on weds and our bills will come to £30 more than the money in the bank, this doesn't even include fixing the car.
I'm just so stuck.
We started a DMP in november last year, but haven't had a month to get "straight" and build up some savings. Nov someone drove into the back of us - we are still waiting for the ins claim to settle. Then xmas with no credit for the first time (!), then i've been ill and needed private treatment, and now the exhaust is about to fall off the car.
We have no money. Not even a pound. I really don't know where to turn.
I get paid on weds and our bills will come to £30 more than the money in the bank, this doesn't even include fixing the car.
I'm just so stuck.
0
Comments
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hi there, the best thing will be to put a statement of affairs down so you can get help and whose the DMP with, if its not with a charity then your paying a fee which hardly helps the situation.
Do the SOA though first
WillSShhhhhhhhhhhhhhhhhhhhhhh0 -
Hi LCT
I have been where you are now, just wondering how I would get through the month but somehow I did. Is your DMP with one of the free organisations?YOUR = belonging to you (your coat); YOU'RE = you are (I hope you're ok)
really....it's not hard to understand :T0 -
Hi guys - thanks for your replies. Our dmp is with CCCS so our SOA is already stripped out to the minimum to get our repayments within 10years.
I'm going to ring tomorrow to chase the insurance settlement, but its not an immediate solution. [bawl]0 -
thats good its with CCCS, why not put ur SOA on here anyway and see if anyone can help?
WillSShhhhhhhhhhhhhhhhhhhhhhh0 -
Are you paying the min amout pm that Payplan will allow?
Can u not go back to them & rejig your SOA.
If you are not going to have enough money for all your bills you need to cancel the least important DD's meantime so you are not charged by the bank & then get caught up in the charges spirral.
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Definitely post up an SoA and we can better see where you are at.Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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