DMP Mutual Support Thread (Part 6)

Eupho

DevonGirl wrote: »

Sounds like a misprint to me.... Now sue them for 'distress caused' and pay off all your debts! :rotfl::rotfl::rotfl:

(Only joking - don't advocate the 'blame culture' :rolleyes:)
DG

:rotfl::rotfl::rotfl:

haha! Hellooo DG :wave:

I just called them.. the girl I spoke to was LOVELY!.. We sorted that out.. (yep, misprint.. But I still asked for that to be confirmed in writing) ..;)

We had a really good laugh actually.. :rotfl:

I explained to her about my 'self' DMP.. and that in this letter they had sent me this morning.. they were saying would only accept if I went through a Debt Comp..
I said I knewwww this wasnt right, and that I could do it myself.
She was pretty sure herself too.. :T
and Is making notes on my file about what I had said.. (and my DMP etc).. and getting the dept that deals with DMPs to call me.

Phew! :T

bigmommamuppet

Good Afternoon everyone new & experienced ,

With the recent discussions re CCCS and their 'acceptable' living allowances I thought I'd post the budget we have with them to see if it helps anyway or at least you can have a nosey :rotfl:on where we spend our money.

Budget is for 2 Adults and 2 little kiddies.

Mortgage - £946
Council Tax - £118
Electricity - £62
Heating Oil - £120 :eek::eek:
Building and Contents Insurance - £12
Telephone incl. Mobile/Internet - £70
TV Licence - £12
Satellite, Rental - £20
Childcare - £593 :eek::eek:
Life Insurance/Private Pensions - £37
Vehicle Finance - £479 (until last month this figure was £756... now I can see how we landed in this lovely land of debtsvile.) :eek::eek:
Car Servicing (2 Cars) - £60
Road Tax (2 Cars) - £35
Car Insurance (2 cars) - £54
Fuel & Parking - £320
Food, Toiletries, Cleaning - £400
School Meals/Meals at Work - £37
Pets, Pet Food/Insurance – £21
Clothing & Footwear - £60
School Trips/Activities - £10
Hairdressing - £26
Medicines/Prescriptions - £10
Dentist/Opticians - £10
Sports, Hobbies, Entertainment - £30
Children's Pocket Money - £20
Sundries / Emergencies - £40

Total Income - £4791
Total Expenses - £3602
Surplus for Creditors - £1189

Eupho

bigmommamuppet wrote: »

Good Afternoon everyone new & experienced ,

With the recent discussions re CCCS and their 'acceptable' living allowances I thought I'd post the budget we have with them to see if it helps anyway or at least you can have a nosey :rotfl:on where we spend our money.

:rotfl: haha :T

Cooo lummy your childcare expense is loooads.. :eek:

I'll do it for you.. half price. :rotfl:

Eupho

Oo but thankyou for that! :T

It is good to see what we can allow for. :beer:

bigmommamuppet

Eupho wrote: »

:rotfl: haha :T

Cooo lummy your childcare expense is loooads.. :eek:

I'll do it for you.. half price. :rotfl:

Tell me about it. :rolleyes: until last year it was double that , hence another reason why we're in debtsville, thank goodness for schools. :rotfl: Roll on two years when I can pack the other one of to the place that provides free childcare erm.... school. Not that I'm wishing his poor little life away.:D

£3 per hr for looking after little monkeys hmmm no thanks you never know it could be your next money making idea. Childminding the local kids. :eek:

Eupho

bigmommamuppet wrote: »

Tell me about it. :rolleyes: until last year it was double that , hence another reason why we're in debtsville, thank goodness for schools. :rotfl: Roll on two years when I can pack the other one of to the place that provides free childcare erm.... school. Not that I'm wishing his poor little life away.:D

£3 per hr for looking after little monkeys hmmm no thanks you never know it could be your next money making idea. Childminding the local kids. :eek:

haha no chance... :eek:
Personally.. I think people that can handle a heap of children deserve MEDALS! :T


Therefore, I am sorry to inform you I resign (already)

:rotfl:

SerenaGoode

Eupho wrote: »

:rotfl::rotfl::rotfl:

haha! Hellooo DG :wave:

I just called them.. the girl I spoke to was LOVELY!.. We sorted that out.. (yep, misprint.. But I still asked for that to be confirmed in writing) ..;)

We had a really good laugh actually.. :rotfl:

I explained to her about my 'self' DMP.. and that in this letter they had sent me this morning.. they were saying would only accept if I went through a Debt Comp..
I said I knewwww this wasnt right, and that I could do it myself.
She was pretty sure herself too.. :T
and Is making notes on my file about what I had said.. (and my DMP etc).. and getting the dept that deals with DMPs to call me.

Phew! :T

One approach to this is to talk to someone like National Debtline, for basic advice (but not for them to manage the DMP) - then in letters to the bank point out that you have taken advice from National Debtline. It's kind of a middle ground - shows you have looked for advice and that you are not just chancing it, without tying you into a company DMP.

Mine is self-managed and while it made one or two of them more difficult ro start with they all more or less settled down eventually.

saskia1

afternoon all

i am soooooooo fed up today!

have 36p in my purse & thats it till tues (pay day)

does make you think tho - how much i would just dump on the ole cc - like i've just popped into WH smiths to get a paper - i could have bought at least 10 books which would have gone on my cc - but walked out with just the paper & 36p change - couldn't even buy choc - as they are too flamin expensive!!!!!! :rotfl:

oh its quite funny really.

Also -creditor 'HASSLE' update - had 7 missed calls y/day from Cap 1 - when i soke with them - they were useless!! all the 'global' lady kept saying was: '' can you make a token payment today''
me: no
''can you make a payment today please''
me: no!!

& then she said i would have to call another number to stop the collections calls as they now know i'm on a dmp - i asked to transfer me & then she cut me off!!!

Also spoke with Lloyds - very nice - too nice??!!

so my new motto is 'answer the phone' - i can only be honest & it seems i know more than they do about defaults etc.

hilarious.:rotfl::rotfl:

oh - just to add my bit in about cccs & fibbing a bit - we haven't declared my husbands expenses - & this is cos they range from £50pm to £250pm - so some months it will be fab & others won't make a difference.

feel better now for offloading

hope everyone else is ok???

sas

SeaThreePeeO

Hi

I am new to MSE and to the DMP support thread. We currently have a DMP with CCCS for two creditors, M&S Money (HSBC) and the dreaded LTSB.

Do you ever have a wobble and wish that you never went down the DMP route and just struggled on the way you were? I know that struggling on was impractical and the DMP was the best option for us, but it is normal to doubt yourselves sometimes isn't it?

DevonGirl

SeaThreePeeO wrote: »

Hi

I am new to MSE and to the DMP support thread. We currently have a DMP with CCCS for two creditors, M&S Money (HSBC) and the dreaded LTSB.

Do you ever have a wobble and wish that you never went down the DMP route and just struggled on the way you were? I know that struggling on was impractical and the DMP was the best option for us, but it is normal to doubt yourselves sometimes isn't it?

Oh crikey, yes, absolutely... I don't think many people go into a DMP unless there is another option. (And hoping to win the lottery is just not taking it seriously!) For me, I managed to build up so much debt that after all my essential items (mortgage, TV lic, electricity etc) and minimum payments on my debt had gone out, I was left with £80 per month for food, clothes, car, entertainment, emergencies etc and was finding it hard to get further credit to support myself..... so my DMP really was my saviour - I COULDN'T have carried on.

However I would point out that despite the ups and downs of 'DMP life' (am surprised MTV haven't made a docu-soap about one of us!), it is hugely better to have money for living costs including a small emergency fund, have my new bank account in the black and not worry about paying my debts anymore... I think back to how bad it was and life defintely has improved.
DG