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DMP???? Unsure......

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Comments

  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Why on earth did you lie on the application forms?
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    Bump. Please reply because no one can help if you don't.
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • elfieb
    elfieb Posts: 530 Forumite
    I lied on the applications because I stupidly thought a balance transfer would give me a little more breathing space.
    As it turns out it has just made matters worse, as Im confused as to what I owe what amount to, when it has to be repaid etc etc.
    I used to be Snow White, but I drifted.
    Mae West
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Have you completed a full statement of accounts elfie?
    https://www.whatsthecost.com/soacalc.html
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Ok, where's the calculator gone?

    EDIT: http://www.makesenseofcards.com/soacalc-old.html
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • elfieb
    elfieb Posts: 530 Forumite
    I completed a SOA on the CCCS website.

    It left me £49 a month spare in which to repay my debts. Hopefully I dont see that being along term situation. I am applying for anything and everything job wise.
    I used to be Snow White, but I drifted.
    Mae West
  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    I honestly don't know what to do about the application forms. As you've only had the cards a short while. However, what someone doesn't need to know or what you give them for example ... If you get my drift? ;)
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • elfieb
    elfieb Posts: 530 Forumite
    Ive just been so utterly utterly stupid, thinking I could be clever and jiggle my way out of mess by switching cards. Im sure it helps most people, but a regular income is needed to do it, something I dont have at the moment.

    I think the fear has really hit me these past few days, hence why I have been posting on here, my situation just seems so daunting.
    I used to be Snow White, but I drifted.
    Mae West
  • WorriedMart
    WorriedMart Posts: 84 Forumite
    Part of the Furniture Combo Breaker
    If your unemployed and on benefits I wouldn't pay them more than a £1 token payment each per month until you find alternative employment.

    They wont be happy that you've switched the debt to them recently, but there's not a lot else you can do. If you cant afford to pay it you cant pay, simple. :)
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