DMP Mutual Support Thread (Part 6)

the_tooth_fairy

Twit_Head wrote: »

Hola TF!
I'm very good thankyou! Health excellent - taking my 2 glasses of red wine daily. Dr's orders
Just waiting for him what dumped me to come round for the evening. Not together again but just like spending time with each other still.
You look after yourself my friend and keep off that 'black stuff' - it can kick like a mule!!!

'Twitty'

Steady Eddie!! But I'm so glad that you are good enough friends to spend an evening together, that's great. Remember not to mix 'grape and grain' or you might put your beer goggles on!!! :beer:

I said googles instead of goggles... freudian slip, chick!!

ianmak

cocker100 wrote: »

It is always wise to request copies of the original agreement from all of your creditors. This enables you to check and see which ones are more likely to be enforceable in court.

Some people prefer not to ask as they believe that it may annoy a creditor and make them less likely to accept your DMP. But if they are already playing up then it is a good idea. You are legally entitled to request this information at any time, so long as the statutory £1 fee is sent.

You can request a CCA from your credit card, store cards and loans. However, overdrafts are not included in sections 77-78 CCA1974.

Cocker:)

Welcome back Cocker, my you've been busy today!

ianmak

the_tooth_fairy wrote: »

Steady Eddie!! But I'm so glad that you are good enough friends to spend an evening together, that's great. Remember not to mix 'grape and grain' or you might put your beer goggles on!!! :beer:

I said googles instead of goggles... freudian slip, chick!!

Not sure why, but yourself and Twitty I always imagine you both being as thick as thieves...

suze72

icecube2009 wrote: »

i have seen doctor re the depression and she feels it is more to do with my dad dying, i think its just a combination of everything, I want to go self employed (childminder) but not sure how the CCCS would take this?

Hi Icecube

Just for future reference, both myself and OH are self-employed and on a DMP with CCCS, (well only me on DMP now but thats another story). You have to do a business income and expenditure as well as a household one which is very simple if you don't have complicated accounts which you shouldn't as a childminder.

Sue.xxx

icecube2009

the_tooth_fairy wrote: »

Icecube, I think I'm right in saying that that the local county councils have a fair bit of clout when it comes to running nurseries, especially when it comes to Health and Safety. Surely tired, overworked staff have a far greater impact than, say, giving kids fish fingers with additives in? I don't want to sound flippant at all, (quite the opposite!) but county councils in England, Scotland, Wales and NI have a lot to answer for, considering they hand out the licences for these places to exist in the first place.

It maddens me to think of the money churned in by the owners of these nurseries ( and care homes! ) who treat vulnerable young and old people like commodities to make as much money as they can. Without caring, hard working people like you, they would have NOTHING.

Very best wishes to you, you have really done your best. :T

I totally agree, we are treated dreadfully, a staff meeting is more like a lecture with everyone too scared to put forward their opinion, she made one poor woman redundant because she didnt like the way she worked (was OK, but a little slow with things like cleaning etc for their liking) then employed someone else the following week, in fact whilst this woman was working her last week she had people coming in for interviews! then the owner had the nerve to ask the woman to come back last week because we were short staffed, she woman stupidly did,and was then told it was just temporary and she would only be needed as & when, but then she saw a recruitment add that the boss had in the local paper so after one days work she told them she wouldnt be coming back & she felt made use of (rightly so) and the abuse she got was dreadful, she left the nursery in tears!
Its so awful when I go I want to just wait till I have been paid & do a runner! I dont want to have to give notice as I know for my last weeks they would put me through hell, but dont know how I would stand with that legally

suze72

icecube2009 wrote: »

I totally agree, we are treated dreadfully, a staff meeting is more like a lecture with everyone too scared to put forward their opinion, she made one poor woman redundant because she didnt like the way she worked (was OK, but a little slow with things like cleaning etc for their liking) then employed someone else the following week, in fact whilst this woman was working her last week she had people coming in for interviews! then the owner had the nerve to ask the woman to come back last week because we were short staffed, she woman stupidly did,and was then told it was just temporary and she would only be needed as & when, but then she saw a recruitment add that the boss had in the local paper so after one days work she told them she wouldnt be coming back & she felt made use of (rightly so) and the abuse she got was dreadful, she left the nursery in tears!
Its so awful when I go I want to just wait till I have been paid & do a runner! I dont want to have to give notice as I know for my last weeks they would put me through hell, but dont know how I would stand with that legally

How much notice do you have to give, and are you owed any holiday?

I believe they could claim that you owe them money for the period of time which you should have been serving your notice, therefore if you had accrued enough holiday to cover your notice period you should be ok. In real terms though, it probably wouldn't be worth their while to pursue.

icecube2009

suze72 wrote: »

How much notice do you have to give, and are you owed any holiday?

I believe they could claim that you owe them money for the period of time which you should have been serving your notice, therefore if you had accrued enough holiday to cover your notice period you should be ok. In real terms though, it probably wouldn't be worth their while to pursue.

am only owed a weeks holiday and have booked that for a few weeks time (easter hols)

funkyfish586

thHI all, Lloyds accepted my DMP on the 3rd of March & then i checked Just a bank and the status is now showing as rejected i spoke to payplan & they said on the 25th march they rejected it

Is it worth speaking to lloyds to find out why?

Last question, our Annual review is in January 2011 it was made clear to us that creditors like to see an increase in the amount we pay, im already worry about this as its VERY unlikely that our situation will allow us to give creditors any more money. Hubbie ( i doubt) will get a payrise & i am due a baby in August. I know we are entited to more money as i will be having a baby but we plan to keep the payments the same as they are now & manage with 2 children with what they allow for 1. what will hapen if we do not increase the money to them? will payplan make us? xx

cocker100

funkyfish586 wrote: »

thHI all, Lloyds accepted my DMP on the 3rd of March & then i checked Just a bank and the status is now showing as rejected i spoke to payplan & they said on the 25th march they rejected it

Is it worth speaking to lloyds to find out why?

Last question, our Annual review is in January 2011 it was made clear to us that creditors like to see an increase in the amount we pay, im already worry about this as its VERY unlikely that our situation will allow us to give creditors any more money. Hubbie ( i doubt) will get a payrise & i am due a baby in August. I know we are entited to more money as i will be having a baby but we plan to keep the payments the same as they are now & manage with 2 children with what they allow for 1. what will hapen if we do not increase the money to them? will payplan make us? xx

Hiya,

Nobody can make you pay more into your DMP, that would defeat the whole point of it. A DMP is set up to help you pay your debts at a rate that you can comfortably afford each month.

At your time of review, you situation will simply be reassessed by your creditors and if it is shown that you are paying all you can afford then they will most likely accept for a further 12 month. If they dont, then they'll probably flog the debt to a DCA who would be more likely to accept your repayment proposals anyway.

As for your question regarding Lloyds, I very much doubt they would listen to you over the phone. They probably wont understand what you mean and will probably just ask you for payment. Their different departments dont talk to each other and their complaints department is a complete joke. Fire off a CCA request to them, that will put a stopper in their plans. (That is if your debt with them is either a credit card or loan).

Cocker:)

blind-as-a-bat_2

Hope you don’t mind, but something dawned on me the other day, regarding legal protection for DMP's, which while never promised, was hinted as a strong possibility at least nearly two years ago, then died a death, I would like to hear your thoughts if you think Martin could help use his influence to help bring it back to the fore, cheers

http://forums.moneysavingexpert.com/showthread.html?t=2367581