DMP Mutual Support Thread (Part 6)

Northstar68

That all sounds perfect for me, I have a week or 2 but its good to know they will accept the online payment,although I have no excuse, my local post office is only a 10 minute walk away.....mind you, its a sub post office. I wont think about that just yet anyway, still getting the letters ready and proof etc to send off. Sigh!

Hi Totallybroke41 & sunnydais :hello:
Welcome to you, we are all in the same boat.
I've go the same with the phone calls from Barclays, which will get worse now I have cancelled my dd payment for their loan. There is something we can do to hopefully stop the calls, there is a template letter on the forum somewhere. I think I need to get one of those sent off too. My calls and texts are coming on the weekends, lately, Sunday mornings and Sunday nights!!! Totally unacceptable I think!

munkiemunkie81

yep just give them a call, then they will know how its coming too. it was no trouble at all. My payment showed on the website within a day or two. Well it was definitely there when i recieved my login for it anyways! Just have to make sure that you put your number on as a reference and your name if it fits.

sunnydais

Northstar68 wrote: »

That all sounds perfect for me, I have a week or 2 but its good to know they will accept the online payment,although I have no excuse, my local post office is only a 10 minute walk away.....mind you, its a sub post office. I wont think about that just yet anyway, still getting the letters ready and proof etc to send off. Sigh!

Hi Totallybroke41 & sunnydais :hello:
Welcome to you, we are all in the same boat.
I've go the same with the phone calls from Barclays, which will get worse now I have cancelled my dd payment for their loan. There is something we can do to hopefully stop the calls, there is a template letter on the forum somewhere. I think I need to get one of those sent off too. My calls and texts are coming on the weekends, lately, Sunday mornings and Sunday nights!!! Totally unacceptable I think!

Hi Northstar & Totallybroke
visited the bank thread to see what folks were saying about the Halifax new charging structure for authorised overdrafts and rushed back to be amongst friends here!!...folks on there defending the banks ...wow! These are folks not having to use overdrafts of course! lucky things!

Northstar68

sunnydais wrote: »

Hi Northstar & Totallybroke
visited the bank thread to see what folks were saying about the Halifax new charging structure for authorised overdrafts and rushed back to be amongst friends here!!...folks on there defending the banks ...wow! These are folks not having to use overdrafts of course! lucky things!

Yep, I did the same thing, over the last few months just read my way around the boards but didnt sign up and post, then I thought the best thing is to stick with friends in the same boat because there can be some ruthless people out there and we need support not a kick in the teeth so I came running back here too! :j
My bank have just told us that they are withdrawing our overdraft facility from the 1st Dec and we need to pay the £1400 by then..........impossible.... so they are now added to our list of creditors and has made our changing of accounts more urgent! )

sunnydais

Northstar68 wrote: »

Yep, I did the same thing, over the last few months just read my way around the boards but didnt sign up and post, then I thought the best thing is to stick with friends in the same boat because there can be some ruthless people out there and we need support not a kick in the teeth so I came running back here too! :j
My bank have just told us that they are withdrawing our overdraft facility from the 1st Dec and we need to pay the £1400 by then..........impossible.... so they are now added to our list of creditors and has made our changing of accounts more urgent! )

cheeez how do they expect you to find that amount of money with a snap of their fingers....they have forgotten that they are only alive coz the tax payer bailed them out

twoflower169

Yey! :j I cant believe it, they orginally they said yes to me but no to DH which sent him into a real depressive state! He's at work so I let him know and instead of being enthusiastic about it, all he said was "They changed their mind again then" Oh well one more thats accepted!

A & L have withdrawn our accounts, they want us to send them our proposal! So will email the contents of letter to cccs as I know how busy they are on the phonelines, and let them contact them, they probably have had it already from cccs but you know how things pass departments! Left hand not knowing the right hand is doing!

On the other hand my catalogue have withdrawn my credit limiit used my credit against my balance, but have not contacted me, and yet they sent me 2 letters yesterday offering me money off my next orders! Errr..............I dont think so!

I was brave and answered the phone yesterday it was Egg and B/card, both when I explained cccs etc were fine took ref number and left it at that!

Hope everyone else is doing ok.

bailey59

I dont believe this. We have 2 bank accounts - my husbands is with Lloyds TSB who are our biggest creditor and we have a joint one with the Nat West who are another one of our creditors.

I have just opened a new bank account with the Halifax and today I started cancelling dd's from both of the above accounts and phoning everyone to tell them the new Halifax account details.

Now I have just read the Lloyds and the Halifax linked. That means I cant have an account with the Halifax!

So all I have done so far has been a complete waste and I am back to square one.

I have received my DMP pack from CCCS and was going to start writing to everyone this week but now I cant cos if I do Lloyds & Nat West will be after me and if I put my money in the Halifax account Lloyds could take it all and leave me in an overdraft with Halifax which I cannot do!

So now I urgently need a new bank account but I dont know who to get one with. It cant be linked to Lloyds or the Nat West. I went on a site that showed all the banks and I cant remember Lloyds having the Halifax with it.

I cant afford my minimum payments this month now to everyone, I so wanted to get the letters off and re-arrange my dd's but now after the 3rd of Nov all the dd's I have cancelled to re-start will have to be cancelled with the Halifax and now I dont have any dd's in place at all.

I feel like crying but Im at work, this is such a mess now, I feel sick. I am going for a walk now to try and clear my head. Please please please can someone help me out

I have just posted the above on a separate thred but wanted to put it on here 2. I have just been for a walk to clear my head and I am going to phone everyone back and see if I can pay by cheque this month, hopefully then I can strill write to my creditors as planned and hopefully I will have a dd set up for next month. I think I might try Barclays.

Still feel like I have had the wind and stuffing knocked out of me but trying to remain calm

LittleMissSkint

Oh Bailey, I feel for you.

What about a basic bacnk account with HSBC? They open them up quickly and aren't tied to NatWest or Lloyds.

I think paying by cheque will be fine, as long as people get their money I doubt they will care how.

Hard as it is try not to let it beat you down, between us we will probably face a mountain of problems between now and when we become debt free - there's nothing that can't be solved though xx

twoflower169

sorry DS pressed something on the keyboard and I posted twice!

finshe

Hi, i want to send Studio Catalogue a reduced payment but need to know if my business expences such as stock etc are allowed in my SOA that i will send along with the reduced payment.

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 850
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 850
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 20
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 75
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 65
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40
phone and internet...................... 80
board money............................. 120
business expenses and stock............. 400
Total monthly expenses.................. 820

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly.. .APR
credit card....................3633......109.......23.29
studio catalogue...............1430......178.......44.9
Total unsecured debts..........5063......287.......-

Monthly Budget Summary
Total monthly income.................... 850
Expenses (including HP & secured debts). 820
Available for debt repayments........... 30
Monthly UNsecured debt repayments....... 287
Amount short for making debt repayments. -257
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,063
Net Assets.............................. -5,063
Created using the SOA calculator linked to in post 9 above(sorry it wouldnt allow me to insert the link)
Reproduced on Moneysavingexpert with permission, (deleted for security purposes).