DMP Mutual Support Thread (Part 6)

ianmak

JoJoB wrote: »

Quick question for anyone on payplan: do they have a similar on-line account to cccs where you can view what payments have gone out and print out your budget etc? Thanks.

Yes. They have a website called https://www.justabank.co.uk use your Payplan number and a password. You'll need to get in touch with Payplan if you haven't been offered a password for Justabank.

ianmak

Three newbies:

Circling The Drain 343
CASR25 344
Pinkiepie68 345

Sorry not to have been on much recently, just been convalescing after a nose job and have had limited internet access till now!

Twit_Head

geoffmr1 wrote: »

Hiya,

Unfortunately I don't think you'll have any luck trying to get these charges back because the OFT have already ruled on the amount Credit Card companies can charge. Obviously old charges can be reclaimed but not new ones unless they are over what the OFT have said they are allowed.

Thanks for that - didn't realise this was so.


To Plain Stupid 45 - sorry! Giving you false hope - but now I'm mad and depressed too because in similar situation to yourself.

Twit_Head

ianmak wrote: »

Sorry not to have been on much recently, just been convalescing after a nose job and have had limited internet access till now!

Hope you're going on OK now. Just hope it was NHS not private............;)
(Employed by the great NHS-we do it becuse we care, not for the money!)

JillyOJolly

Plain_Stupid_45 wrote: »

I am so dissappointed this morning. I'm into the 2nd month of my DMP with Payplan, everything appears to be going well apart from Barclaycard! Grrrrr. . . I've had a statement today & despite me making a payment to them every month my balance is going up £11 every month! They are still adding interest (it isn't a huge balance £420) & also adding £12 late payments!!
I just feel these companies ask you to contact them if you have a problem & they will try & help you!! Yeah some help there! Sorry for my whinge it just makes me so cross.
I will write to Barclaycard & ask about an interest freeze & look at changing the payment due date to stop the late payment charges.
I hope you're all getting on ok
Well better than me this morning!
L x

Hi Barclaycard was one of mine and the same thing happened. I think they work on the basis of seeing you paying your DMP for 3-6 months to see your committed to it then they play ball with your interest. They never froze mine, but reduced it to 1%. They were the first to be nice to me and it took about 5 months in on my plan. I never heard a peep from them after that. Maybe try after your 3rd payment as it will definitely look like you are on your way to being debt free.

JOJ

JillyOJolly

ianmak wrote: »

Three newbies:

Circling The Drain 343
CASR25 344
Pinkiepie68 345

Sorry not to have been on much recently, just been convalescing after a nose job and have had limited internet access till now!

Hope you are better now. One thing about being sick or having an op, you cant go out and spend any money :T

JOJ

ianmak

JillyOJolly wrote: »

Hope you are better now. One thing about being sick or having an op, you cant go out and spend any money :T

JOJ

Exactly my thoughts. I'm not supposed to leave the house for at least a week to avoid colds and infections. The only problem there is purchasing stuff online!

Twit Head - My hospital hasn't the best rep (you either love it or hate it). I was only in overnight and couldn't fault the staff to be honest. Mind you, they were in a hurry to discharge me in the morning! :rolleyes:

Twit_Head

ianmak wrote: »

l Mind you, they were in a hurry to discharge me in the morning! :rolleyes:

Yea,yea you can always spot the troublemakers
Get well soon and don't contract swine flu cos that would be a pig!

JillyOJolly

Twit_Head wrote: »

Yea,yea you can always spot the troublemakers
Get well soon and don't contract swine flu cos that would be a pig!

We have been there and done the oink oink bit, it aint so bad to be honest and we built lots of lego and watched jeremy kyle for 5 days! It was actually quite good fun.

MOVE AWAY FROM ONLINE SHOPPING, MOVE AWAY FROM ONLINE SHOPPING it is not instantaneous gratification cos it takes so long to arrive, the buzz of buying it will have passed!

MOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPINGMOVE AWAY FROM ONLINE SHOPPING

JOJ

bigmommamuppet

Afternoon Peeps,

Needing a bit of advice please... Don't know if I've had my proper LBM moment yet or whether old habits are creeping back in to my life. But basically we’ve had a major set back this morning. DH went to put petrol in the car and his card was refused (we still have a debit card but no O/D facility). We only have a balance of £21.35 therefore his transaction of £39.51 was refused, so had to borrow cash from petty cash at work and go back to the petrol station to pay his dues. V. V. embarrassing, DH not good with this sort of situation at the best of times so he'll be in some mood when he gets home. :rolleyes:

I do have some money coming to us so it’s only a cash flow problem this week. But I was planning to use the extra money for my emergency fund (which is sitting at 0) but yet again I need it to live on. Therefore in theory we’ve overspent again this month (3 in a row). Can’t seem to keep control of the spends and I’m scared that we’ll slipping back into the deep hole of not having enough to live on.

Already have 2 accounts, 1 for bills, 1 for spends, but it’s not making much difference. I keep a spending diary which to be honest doesn’t help me curb the spending either. I have also tried splitting my budget up into chunks i.e. X amount for petrol, food etc. but again I overspend on nearly everything each month.

Main areas of overspending are food (we spend approx £350pm for 4, and entertainment/ going out- haven’t told anyone we’re on a DMP so trying to carry on with life as normal… which I think is the main problem, for example friends want to go out for dinner on Saturday, babysitters, taxis etc, will cost best part of £200:eek::eek::eek: if not more, but stupidly we said yep no probes…..defo have to cancel this..)

Therefore any budgeting advice would be muchly appreciated.

Thanks

Becks