Eupho's attempt at doing her own DMP (Eeeek!)

Eupho

hmmm... I just made the mistake of switching the land line phone on.

3 seconds later it rang. HSBC... (again again again) ... they have called me NON STOP (on my mobile at least) for coming up to 2 weeks now.

I seriously AM considering changing my landline phone number. It's not fair on the kids.. (because I keep turning it off.. and their friends cant call) .. and it horrible for me when it rings and I have to tell them not to pick it up.

At least on my mobile I can leave it on vibrate.

I notice too, they didn't call me once yesterday! :: faints ::: Must have been the Bank Hols.

Sooo.. now I am looking forward to August.. when then will be another HSBC free day. :T

Eupho

hypno06 wrote: »

I had a dream about bankruptcy last night.........strange how our mind works when we are supposedly resting :rolleyes:

Oo it is!

:wave: Mornin Hypno

Eupho

I bounced home from work ready for SOME replies..

but nope. nada! :wall:



Well.. a letter from Barclaycard cash card (I STILL don't know what that is.. or how I actually got that? .. Statements just started to appear one day) .. Anyhoo.. a letter from them asking me to pay £5.66p to bring my account up to date.

and a 'normal' 'usual' monthly statement from RBOS.

I also notice how these are two of the creditors who have not yet cashed my token payment cheque (sent 11days ago)

So far no acknowledgement from these two about my letter. :rolleyes:

still only ONE reply from Hitachi Capital (DFS sofa) which was a noway jose!

Today I have recorded delivery posted them a 'Please reconsider yah yahh' letter.
I am going to try and keep each letter I send and each letter I receive.. stapled together with the recorded delivery slips too. So I can look at the stuff more easily, and see where I am up to.

I have also made folders on my Pc with 'Stuff' for each of my creditors.. so that I can keep good records of everything I send.. and receive.. With some dates and details etc. Because in time.. and with piles of paper about to fly back and forth, I will struggle to know who said/did what.


I have finally sent my stuff off to apply for a Co-op Cash minder account. (The one I am only going to use for DMP Standing Orders)
cant wait to get that up and running.. so that they HAVE to accept my payments.

Anyhooo.. today I'm in a great mood.. I am slowwwleee beginning to feel the weight of the world lift off my shoulders. I know its a very very very long way yet... and I know there is a big fight ahead.

BUT!... It's nice to have finally got my head out of the sand.. stop hiding it all to myself. .. and although no 'real' replies yet.. Feel as though I (think) I can handle what's coming.

One thing I am not too happy about is my new SMILE account... It seems to take forever to update my transactions on my account.. waaaaaaayyyy slower than Barclay's used to be. I had to 'secure message' them to ask for my updated balance.. because I knowww things have been coming out.. but it stills shows the old balance. (making me think there is more there than there is) .. Even the cash machine showed me the same old balance.. tisk!!.. that's bad.. and confusing.

ONE day.. (when this is all a nasty memory) I may print off my 'diary' .. and use it as bed time reading.. haha!..

Or get it bound as a little light reading for my children as 'What NOT to get yourself into' ..

:rotfl:

:rolleyes:

CornishMaid

Eupho wrote: »

CM

I was just thinking...

Your CAMHS doesn't have a Lidls nearby does it? and a pretty popular ice cream place in the other direction? .. :rotfl: that would be funny.

Gaaawwdd.. I need to shut up.. I just realised it 2am! :eek:

:wave:

You got it! We are obviously closer than I thought! :rotfl:

CM, x

Eupho

CornishMaid wrote: »

You got it! We are obviously closer than I thought! :rotfl:

CM, x

hahah!! oh that IS funny! :rotfl:
:T xx

Eupho

Capital One.. A reply to my letter/offer/token payment.

It's actually (so far) very 'kind and polite' ..

Thanking me for my letter.. that they understand it may be a difficult time. How they are happy to help me 'explore an appropriate solution to my current debt problems'

Thanks me for sending an SOA.. and that.. 'All we need now is' a photocopy of the benefits I receive and 'how much and how frequently'. Also. a copy of one wage slip. (within the last 3 mths) aaand.. a 'copy of one bank statement showing income and general living expenses'.. (to ONLY send copies) ... That they have included a prepaid envelope for my 'convenience' (they haven't.. haha.. but hey ho)


I know we don't HAVE to send those things.. but.. I Saw CCCS Matthew say if you were happy to do that that was fine. .. As (so far) Capital One are seeming to be helpful I think I am going to send those things. (not saying I would do that for all of them tho)

Also.. they say that they need to info back within 7days to 'enable' them to 'help me'
and.. that until they receive them I will continue to receive any due fees and interest on my account. Therefore I should 'act promptly'

The wording is all pretty friendly though.. (so far)

Eupho

(all sent recorded, with letters etc 13 days ago)

Barclays OD Still not cashed token payment.
Barclaycard.. Cashed.
Barclaycard cash card. Cashed (today)
Cahoot Loan .. Cashed
Cahoot OD.. Cashed
HSBC Card.. Still not cashed token payment.
HSBC Loan .. Still not cashed token payment.
Halifax.. Cashed.
Egg.. Cashed.
Hitachi Capital (DFS Sofa) Still not cashed.. but replied saying no way to offer, they want the money NOW.
RBOS.. Still not cashed.
Morgan Stanley Card.. Cashed
Capital One card .. Cashed. 28th replied (nicely!) asking for some more details.

Flower08

Thats great news about the reply you got. Lets hope they are all that nice!!

Eupho

Flower08 wrote: »

Thats great news about the reply you got. Lets hope they are all that nice!!

Hi Flower :wave:

I doubt it.. :rotfl:

The DFS sofa people.. (Hitachi Capital).. have already told me NO CHANCE.. :rolleyes:

Eupho

Cahoot Loan wrote to me today.. to tell me I was now in arrears.. that they required a payment etc etc.

Hmmm.. they have already cashed my token payment. Looking at the address on the letter from them.. it's different to the one I sent my letter/offer/token too.

So.. I have just printed off this.. (to send today recorded delivery)

---

Account number:

Ref:


28th May 2009


Dear Sirs,

Thank you for your letter I received on 28th May. Informing me that I am in arrears of £158.64.

I have already sent a letter to Cahoot via recorded delivery on the 15th of May. Letting you know that I am having financial difficulties at the moment. I know it has been read as it was sent recorded and the token payment I sent has been cashed.

I think perhaps it has just not made it to the right department. I am really sorry about that, I don’t mean to waste your time.
I enclose a copy of that letter for you now.

I look forward to hearing from you as soon as possible so I know what to do next.

Thank you for taking the time to read this.

Yours Faithfully