DMP Mutual Support Thread (Part 6)

yellowpinky

Annie_99 wrote: »

Hi Just gonna open a basic bank account but dont know which. Im with RBS who are they affiliated to? Any suggestions

Hi Annie, glad you found us here.

RBS also own Mint and Tesco credit cards, they're two of my creditors. They're currently not connected to Halifax (that's Bank of Scotland). I've got a Halifax Easycash account and I've also got a Co-op Cashminder one. Halifax was incredibly easy to set up online; Co-op are also good but they have less branches. It's true though that you can use a Post Office to pay into Co-op, though cheques take longer to clear. Hope it's all going ok for you.

Kudox, sorry to hear about your uncle, and good luck with doing the DMP yourself. I'll be following with interest - at the moment I'm happy to have them at arm's length while things are quiet but maybe later on I might have a go at doing it myself, when I feel ready to have more control over it all.

Bailey59, here's hoping you had some sort of resolution today, sorry it's all so stressful.

Hi to everyone,

YPx

yellowpinky

hyland1ellen wrote: »

Seeing Barclays tomorrow, as I need to transfer debit cards to cash cards...... hope I can keep mine (no O.D - clean) as I don't know how I will cope not having the facility to pay over phone or on PC..... do yuou think I could, will find out tomorrow !.

Hi Hyland1ellen,

I don't know much about Barclays but I think a lot of the basic accounts will give you a Solo or Electron card which you can use like a normal debit card, so paying over the phone or online is fine. Some places though don't take them, eg, I have to pay for my monthly railcard in cash now, but you soon adapt.

Good luck YPx

drc7741

Merecat wrote: »

Hi Jeff

Just to let you know that I have paid this way and no problems so far.

x

TThanks for that merecat you are a star

ianmak

Evening all, numbers for two noobies that requested them...

pwally2 357
drpellypo 358

Welsh_Bird_2

ianmak wrote: »

Evening all, numbers for two noobies that requested them...

pwally2 357
drpellypo 358

Please can i have one too. Think i will be sticking around for the next 6 years.

Northstar68

Kudox wrote: »

Hi Everyone,
Yep TP is right I really am female, you've got me worried now Tooth Fairy wondering why I come across as male;)
Maybe I should change my name to something girly:rotfl:
Hey Toffee Penny missed you again, good to read your posts though.

Have been catching up on the last weeks posts, it was my birthday, then OH been poorly for the last week, then my uncle died so been looking after my mum, so life got in the way of coming on here I guess you could say.

Glad to here everyones doing ok and having a chat about stuff other the debts.

I finally took the plunge today and told cccs I'm taking over the DMP myself, wish me luck everyone. hope I don't regret it, they said I can go back any time in the next 6 months though.

Hi Kudox :hello:

So sorry to hear your news, I hope you and your mum ok and that OH has recovered. It's hard to keep up with everything when life throws other things at us. Good luck with taking over the DMP yourself, keep us posted!
xx

ianmak

Welsh_Bird wrote: »

Please can i have one too. Think i will be sticking around for the next 6 years.

Last one before I go to bed then.

Welsh Bird 359

Night all!!

Mrs_Ryan

Daffykjs wrote: »

Hi Mrs Ryan,

Can I ask (and sorry if this has already ben explained elsewhere, I STILL haven't caught up) but are Kensington a fee charging DMP company? And if so is there a resaon why you are with them rather than one of the free ones?

Just asking because this may be why it doesn't seem to be making a dent as much as you expected! When i first looked into a DMP I spoke to a fee charging company, and they said 10 years. Then when I found payplan and went through it with them they said 5 years, for more debt (hubby's included and 2 years down the line of having my head in the sand!)

Just a thought, hope this isn't going over stuff you may already have talked about!

Hiya!

Yes, they are a fee-charging DMP company. There are several reasons - 1)the biggest being basically because half of my 13 debts :eek: is with JD Williams group and they have an agreement with them that if they refer a customer then a discount is given off the balances.
2)Also CCCS and Payplan both said no to me - because I didnt have enough debt (its only 4k) and I have too much surplus income - they were a bit unsympathetic and said it seemed to them that on paper I could pay my bills so why did I need their help? Kensington werent that judgemental. I know people slate fee-paying companies but in my case it really was my only option.
It seems that I was wrong about my Evans card - its gone from about just under 600 to back under the original limit (now at 480 - original limit 500) and my Citi Card is nearly back under the limit, its just the dam catalogues that dont seem to be moving!! :mad:

Gpuk

Hi,

A quick question Payplan instructed me to cancel my overdraft protection with Barclays and they are being a complete pain the a$^e about it! First I tried to do it on the phone and they said they couldn't do it for security reasons and I would have to send a letter....so I did but I didn't sign it! They then sent it back to me with a compliments slip to ask me to sign it so I did (but I used my short work signature) and now I have recieved another letter to say that as the signature doesn't match the one they hold on file then could I please pop into my local branch to cancel it. But I don't want to, and god knows what signature they would have on file as I opened the account when I was 13!!! Not sure what to do as I really need them to cancel this!

pwally2

Well hello to all the new people on here!! I dont come on here for a few days and theres loads of new people and posts!!! Have to say having major problems with one of my creditors FLM loans (Advantage Loans) hoping to get them reported to Trading stadards and Financial Obudsman for harrassment actually got the person on the phone to admit that 3 text messages and 4 phone calls in 1day was harrasement even funnier though had missed call again on my mobile whilst i was on the phone to them!!!! ROFL!!!

SO all you newbies stick with things it will be difficult infirst fewweeks/months but youre doing the right thing and letters and phone calls will stop eventually!!!

Have fun everyone off to Mother in laws to pick up a raspberry cheesecake!!!! YUMMY!!!!