DMP Mutual Support Thread (Part 6)

jayneben

Hey All

Im just about to go to the post office to send off my signed CCCS DMP paperwork & all of the letters to my creditors explaining about the DMP (not sure when they will arrive though due to the postal strike ??) anyway was wondering if i should send them all recorded or signed delivery or just use postage stamps ?? Also do i need to send my banks letters re overdrafts or should i phone them instead as im a little stressed as although ive set up a basic bank account im still inbetweeen transfering essential direct debits & my hubbie isnt sure his wages will go into the new or old account yet due to late notice ???
Looking forward to your very much appreciated advice
Jayne

Northstar68

Thank you Kudox!
I am beginning to loosen up now, oh god, I think I have done all I can for today. Cancelling DDs, I will send OH to clear what remaining cash there is of our overdraft when he gets in later, then we start again!
Happy Birthday for Sunday! :beer:
I think the down time is still on soooooo sees you all later hopefully.

bailey59

Hi Jayenben,

I would send your letters recorded delivery at least as signed for special delivery costs a lot more although they are then guaranteed next day delivery (not sure if this still applies with the post strike though)

With regards to the bank overdraft I think a few of us are in the same position, I have just taken all available credit out so I have maxed up my overdrafts (there was only a few pounds) and I am trying to time it so the letters go out after the final dd's have gone out & the wages have gone in then taken out. The last thing you want is the bank receiving the letter then off-setting the account (taking all the money to pay towards your debt) . Dont phone anyone, from now on letters only and keep copies of everything.

bailey59

Hey Northstar, I have just spent the last half hour thinking about songs! I wanted an anthem that I can sing to myself or maybe even out loud if I'm alone lol, so when I feel down and upset it cheers me up. If you look at my signature I have put some on, try and google them if you dont know all the words, they may help you right now x

Mrs_Ryan

Hey everyone!

Things arent as bad as I thought - I had misjudged my shifts and forgotten I had almost a months worth of 1.30-9.30 shifts to be paid so my pay packet was about £100 healthier than what I thought. Its definitely right though - checked through my diary and confirmed before I went and spent it!!
Had a lovely day yesterday and virtually finished my Xmas shopping - going to get the last few bits today.
I really feel for everyone who has to change their bank account, DD's, etc - it must be one more hassle you can do without. I was fortunate in being able to keep my A&L current account as I dont owe them anything - so a big WELL DONE to everyone that has managed it successfully
Take care everyone!
Mrs_R xx

jayneben

Bailey59

Mnay thanks for your prompt and valuble advice, Im off to the post office now gonna send the CCCS DMP paperwork and a good chunk of the others but leave the bank overdraft ones til 9th of the month as thats when hubbie gets paid do u think that sounds ok or do you think CCCS will contact them before this ?

Kudox

bailey59 wrote: »

Hey Northstar, I have just spent the last half hour thinking about songs! I wanted an anthem that I can sing to myself or maybe even out loud if I'm alone lol, so when I feel down and upset it cheers me up. If you look at my signature I have put some on, try and google them if you dont know all the words, they may help you right now x

Hey bailey talking of songs I have just been looking at a thread called "your most beautiful song ever" (or similar) in the Moneysavers Arms forum and theres some crackers on there.
Probably not the best thing to do if you've got lots to do today, I could spend all day watching the videos on You Tube:rolleyes:

geoffmr1

Hi all,

Can I just clarify that when people talk about maxing out their overdraft they aren't talking about withdrawing money immediately prior to going on a DMP??

I only say this because using a credit card or taking money out the bank which isn't actually yours whilst knowing full well you cannot afford to repay it is committing a crimminal offence (fraud).

Obviously this DMP thread is about repaying our genuine debts (not ludicrous charges & unfair interest), I just don't want newbies & people considering doing a DMP getting the wrong ideas.

bailey59

Its a good job my pc at work doesnt have speakers otherwise I would be on there all day, I just love listening to them all. Specially all the ones I used to listen to growing up. I will probably nip over to that board shortly and check it out.

Jayenben it all depends when the DMP is set up for. If its not till Dec then I would think you will be okay. I have got to send my pack back to CCCS by the 8th Nov for a 1st Dec start. The last of the dd's comes out of the account on the 3rd and the last wage paid in there will be on the 5th. I will be taking the wage out that day. I dont think it will matter if you are a day or two out sending the creditors letters after you send the pack to the CCCS. I think, but I may be wrong that they wont contact the creditors until after your plan start date, I think they send the payments off towards the end of the month so if its a Dec start they will write to creditors in December with the 1st payment. Someone else will be able to tell you if thats the case.

Northstar68

jayneben wrote: »

Bailey59

Mnay thanks for your prompt and valuble advice, Im off to the post office now gonna send the CCCS DMP paperwork and a good chunk of the others but leave the bank overdraft ones til 9th of the month as thats when hubbie gets paid do u think that sounds ok or do you think CCCS will contact them before this ?

Hi Jayneben

I think I may have missed you, I sent all my paperwork off yesterday, notification of DMP letters to creditors and contract/statements etc to CCCS.
What I did was Special Delivery to CCCS as it contained lots of sensitive info. Then I did recorded for everyone else so I have proof of posting so no one can say I didnt inform them of the DMP.
Good luck, here's to a 1st December start date!