DMP Mutual Support Thread (Part 6)

iwillgetoutofdebt

Thank-you Samthemainman. If I am feeling brave enough tomorrow, I will do that.

ianmak

a few noobies, please carry on posting and visiting here, share your experiences!

iwillgetoutofdebt 363
newbeginning 364
maxmax 365
bongo1 366

Gpuk

IWGOOD- I started my DMP in oct and had calls from Barclaycard and Egg constantly and then the Egg one's just stopped and they were the first to accept and stop interest and charges!?! Barclaycard took a bit longer to stop but 3 months in they have all stopped and I don't really get anything now, although I did get a call yesterday from a debt consolidation loan company, I was so desperate back in the summer and was thinking about loans and all sorts I am so glad I found this thread and dealt with my debts the way I have. Although this isn't exactly the 'easy way out' I feel a million times better as I know that I can't get any further into debt or spend money I don't have it's almost like a new beginning and it's definately a new me! My OH who was really against it at the start is seeing a difference in me and we are both happier and we no longer have massive arguments about £$£$......don't really argue at all anymore it's much much better!!

Shazza_D

Can I have a number please?

Twit_Head

Gpuk wrote: »

Thanks, I will let her know...1 question....what is a 'sub-prime lender'???

Basically not one of the major building society/banks - a lender willing to take a bigger risk on someone whose credit record is not as pure as the driven snow (and we've got lots of that up here in the North at the moment!)
The interest rates of course will be much higher to reflect the bigger risk.

'Twitty'

purple115

Capital one very helpfulMBNA Very very helpful. Was using fee paying debt management company interest wasn't being frozen, correct payments not being made and I was paying them a fee!!Too scared to approach CC direct, in desparation did and wish I had sooner.Given notice to compay and agreeded payments directly with cc interest frozen Sorry do not know how to make this font fancy PROUD TO BE DEALING WITH MY DEBTS OLYMPIC CONTENDER 63 £700

purple115

Please could I also have a number please

pwally2

Hello everyone!!! A belated happy new year to all you DFW out there!!!!

Been a while since I posted on here. Have posted elsewhere with various problems been having.

Have realised that becoming Debt Free is never easy things just come and keep knowcking oyu back!!!

Have had to reduce our DMP payment quite a bit due to other bills we werent expecting like unpaid council tax tax bills ( dont you just hate paying tax!!!)

All this and were snowed in on our estate!!! Life just keeps throwing stuff at you doesnt it. Just wanted to say how great the CCCS were other day when I rang spoke to a woman who completely understood what we were going through even manager to have a few jokes with her!!! Theyve helped us so muc hdont know where we would have been without them.

Anyway enough of my ramblings hope everyone keeps going on there own debt free journeys and once again this site is fantastic!!!

redpolly1

iwillgetoutofdebt wrote: »

Could I have a number too please :beer:

Also, could anyone give me some idea how long the calls from the creditors go on for? This afternoon I have had a barrage of calls from MBNA and Marbles, not to mention emails. I did speak to one woman from MBNA who was extremely rude, and did not seem to listen to me when I explained that I was on a DMP. I hung up on her in the end, and unplugged the phone. I am seriously considering changing our phone number if this is going to go on for months on end.

Hi
After going through the same with MBNA, I have now found them the most helpful. Have been on DMP for 7 months and just received a letter from them saying they are changing my Terms and Conditions. This will mean I no longer default. They have stopped all interest and charges and re-set my min payment to what CCCS offered.
Had a hearing with NR yesterday who got a Charging Order on my house and even that wasn't too scary. Keep at it, we are doing the right thing by dealing with it and others will recognise that when they have received a few regular payments. Good luck

maxmax

redpolly1 wrote: »

Hi
After going through the same with MBNA, I have now found them the most helpful. Have been on DMP for 7 months and just received a letter from them saying they are changing my Terms and Conditions. This will mean I no longer default. They have stopped all interest and charges and re-set my min payment to what CCCS offered.
Had a hearing with NR yesterday who got a Charging Order on my house and even that wasn't too scary. Keep at it, we are doing the right thing by dealing with it and others will recognise that when they have received a few regular payments. Good luck

hi redpolly,were just starting out on our on dmp in feb scary stuff!!
did you have to go to court yesterday?:mad: