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DMP Mutual Support Thread (Part 6)

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  • DevonGirl
    DevonGirl Posts: 433 Forumite
    Hi Muddlemess
    You've been around for so long I just assumed you were already well into a DMP, so surprised to hear you're just starting out. Very good luck with it all, and Happy Birthday for today!!!
    :bdaycake::dance::beer:

    DG :D
    LBM - March 2009, DMP Start - April 2009
    DMP Mutual Support Thread Member 297

    (Don't forget to click on 'Thanks'! Thanks!)
  • saskia1
    saskia1 Posts: 95 Forumite
    hi all

    muddlemess - happy birthday!!!!! hope you get to have a nice glass of something!! :beer:

    having a good day today - have gone thought my 'debt file' and sorted it all properly and am now about to start looking at who is still charging me interest & charges and see what i can do about that!!!

    also have nice clean house (how sad i know - but have a few days off) - doing a nice chicken curry tonight so i think i'll have a nice glass of something too!!!!

    have good days
    sas xx
    Massive !! LBM June 09 - Debts [STRIKE]£70k [/STRIKE]:eek: now £63k (PPI Claim succesfull)

    will never ever ever get credit again (couldn't if i wanted!!!! - LOL - have to laugh, keeps me sane.

    DFD 9 years away......................
  • cleomolly
    cleomolly Posts: 601 Forumite
    A veyr Happy Birthday to you muddlemess. Hope you have a lovely day : )
    DMP Mutual Support Thread Member No 315
    Married 03/04/2010
    with many thanks to MSE Wedding board
    LO 23/03/12 Special thanks to TTC thread
  • cleomolly
    cleomolly Posts: 601 Forumite
    sas, sounds like a perfect day to me ; )
    DMP Mutual Support Thread Member No 315
    Married 03/04/2010
    with many thanks to MSE Wedding board
    LO 23/03/12 Special thanks to TTC thread
  • mummum2
    mummum2 Posts: 617 Forumite
    Part of the Furniture Combo Breaker
    Happy birthday muddlemess. Have a wonderful day, sun is shining.
    Long Hauler No: 51
    DMP Mutal Support Thread No: 207
    Proud to be dealing with my debts
    DFD - June '13, aiming for December '12
  • Daffykjs
    Daffykjs Posts: 413 Forumite
    Happy Birthday Muddlemess!! Hope you have a lovely day!!
    DMP Mutual Support Thread Member No 261
    Debt at start of DMP (Jan 2009) = 46,147.86 Now = 36,826.98
    DFD = [STRIKE]Jan 2014[/STRIKE] May 2013 ([strike]60[/strike] [STRIKE]52[/STRIKE] 41 payments to go)
    NSD:Nov 12/12:jDec 9/10 Jan 5/10
    Slowly but surely
    :coffee:
  • munkiemunkie81
    munkiemunkie81 Posts: 6,326 Forumite
    Happy Birthday Muddlemess!

    I am sooo fed up with Natwest - honestly we are nearing a month when i first applied for my account, took 2 weeks to get an account number, a further week to get a pin number, a further half week to get a debit card - which takes 24 hours to activate?? And now today I finally recieve my internet banking activation code only to find out I cant make ANY online payments without a card reader - that can take up to 15 days!!!

    I also find that they havent transfered any of my direct debits either! Just wonderful!! Now I have to use the phone to call them up and make payments - make a ton of apologising phone calls over failed direct debits and set up the D/D transfers myself. Lovely :) !

    Anyhoos

    I did recieve a lovely letter from First Direct saying they accept my payment as per CCCS proposal until a review in OCt 2010 and interest will be charged at 0% over first directs base rate of 0.5% making an annual rate of 0%.

    They are my biggest creditor at 16k.

    So thats great news :) Hope the others will be as easy! one can hope!
    Hey, Soul Sister
  • newlywed
    newlywed Posts: 8,255 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    munkie - that just shows how big a bunch of liars First Direct are!!! They told me the 6% above base rate was a preferential interest rate and they don't stop interest on DMP debts!!! :mad:

    I only owed them £7.5k - less now!!!
    working on clearing the clutterDo I want the stuff or the space?
  • munkiemunkie81
    munkiemunkie81 Posts: 6,326 Forumite
    edited 1 October 2009 at 2:30PM
    I was already on a repayment arrangment with First Direct. Last year I arranged to up my payments from £425 to £520 to pay it off in three years- good times ha - and on that they tried to up the rate to 6% but sods laws--- my work started us on a short week to get over a rough patch and my payments went down to £280.00 instead and on this i was paying 0.5% I think - around £20 on £16k debt.

    I think its a case of them humping up the interest when you are going to pay it off quicker - is that a case for you? My payment is now £96. How does your debt and payment compare?
    Hey, Soul Sister
  • newlywed
    newlywed Posts: 8,255 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yeah that may be it. But I've recently lowered my payments - their payment only reduces by about £3 though :rolleyes:

    They get just over £115 from me and the current balance is just over £5k now.
    working on clearing the clutterDo I want the stuff or the space?
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