DMP Mutual Support Thread (Part 6)

the_tooth_fairy

Just a quick msg for those of us I've been reading about who are finding pet costs hard going. On a rare morning off, I'm just getting some Frontline and Drontal for my mutts. Medicanimal.com are offering free P&P and if you enter the voucher code xy5tyyafam8s at the end of your order you get a further 20% off. I'm sure most of you are already on to this, but I was daft enough to get it all from the Vet at 3 times the price before DMP World!!!

ttfx

lauren123

Does anyone know what number I call to change my income details with CCCS, they cant set my plan up till I change it. Just spoke to a lady at cccs and she said she couldnt do it, thought i was getting put through but she just said goodbye! please?x

notsocannylass

Hi, I have just registered on here. My husband and I have seious debt problems - last year we decided to do something about it - so are on a DMP with Payplan, We owe £130 k but are repaying £2878 monthly so according to Payplan we should complete by March 2013. Only thing is 11 months on , 5 creditors are still "pending" and only 3 out of 18 creditors have frozen / reduced interest.
Payplan are aware of this and I have just written myself to all the creditors to ask them to freeze the interest.

Any advice warmly received please?

3431Anna

Payplan have contacted me today to say my statement of affairs and payment offers have been sent off to my creditors now and tha from Friday afternoon my accounts will be dealt with by their long term client care department, so it is starting to feel like things are moving a bit

3431Anna

the_tooth_fairy wrote: »

Just a quick msg for those of us I've been reading about who are finding pet costs hard going. On a rare morning off, I'm just getting some Frontline and Drontal for my mutts. Medicanimal.com are offering free P&P and if you enter the voucher code xy5tyyafam8s at the end of your order you get a further 20% off. I'm sure most of you are already on to this, but I was daft enough to get it all from the Vet at 3 times the price before DMP World!!!

ttfx

Thanks for this i need to purchase some drontal for my dogs so this will be a good help, also one of my dogs is on presription medication so i am going to check if i can get the presription from my vet and buy it online thanks agian:T

3431Anna

notsocannylass wrote: »

Hi, I have just registered on here. My husband and I have seious debt problems - last year we decided to do something about it - so are on a DMP with Payplan, We owe £130 k but are repaying £2878 monthly so according to Payplan we should complete by March 2013. Only thing is 11 months on , 5 creditors are still "pending" and only 3 out of 18 creditors have frozen / reduced interest.
Payplan are aware of this and I have just written myself to all the creditors to ask them to freeze the interest.

Any advice warmly received please?

I am also with payplan but have just started my DMP so really can't offer any advice at the minute but i'm sure someone will be along shortly who will be able to offer you some good advice as the people on here seem to be very helpfull, good luck:)

essex_jim_2

Out of interest how long on average did it take people to get something set up with the DMP firms?

I rung up NationalDebtLine yesterday and they’ve sent me some paperwork, people on here have mentioned CCCS etc... so presumably NDL will pass me over to one of these companies? That’s great. But whilst I plan to send the documents back as soon as I get them (Obviously after filling in them, lol) how long will it be before everything is set up?

The reason is my next payday is the 21st June and that’s when the creditors will smell somethings up. I’ve changed my wages already and in the process of cancelling DD’s. I don’t want to get to the stage where I’m still waiting on CCCS or whoever by the end of June because that will mean all hell will break loose with about 10 creditors.

I have another company, a private one who I’ve spoken to and they are also sending me forms. They have already given me a reference and telephone number should any creditors start calling. This makes me feel alot safer, however, as it’s private I know I’ll end up paying more. I just want something in place by 21st June next month, do you think National Debt Line will get it done in time?

Advice?!

scouselad1974

Hi

I set up my DMP with NDL and they passed me onto CCCS, I think my DMP took around 3 weeks to set up from start to finish.

NDL are great but if you are in hurry to get things started ASAP it may be worth going straight to CCCS, you could fill out their online debt remedy today and I am sure it could all be set up in time for next months payday if you can get hold of all of the paperwork that they will require beforehand, ie a recent pay slip and up to date statements from all of your creditors.

If they can't get everything set up in time it isn't really a problem, as their welcome pack comes with a letter that you forward to all of your creditors, informing them that you are about to start a DMP with CCCS and they will hear from CCCS shortly, you also include a token payment, unfortunatley your creditors will telephone you and ask why you have missed a payment, you just inform them of your DMP and give them your CCCS reference, most will give you a few weeks to get things going.

essex_jim_2

Cheers scouse lad. The bit you’ve mentioned about the statements. All of my debts are payday loans and unsecured loans and I’m not sure how I would go about getting statements. The company I spoke to who charge said all I needed was the reference number of the loan, I have nearly all of these now. Do you think it would be a problem?

hopefull1

Hi

Have you considered an iva this way you can be sure that all interest will be stopped. I can see that you have quite a high level of debt but also that your monthly payments are high as well. I am presuming that your payments aren't much less than the contractual payments so this may be why they have not frozen interest. Have you got a house and if so does this have any equity in it.

I am with cccs and I have been lucky all my creditors have frozen all interest and charges so every payment i make is reducing the balance. Have you spoken to other dmp companies as the creditors in my opinion should have been chased up and you should know by now if they have accepted or not.

Hope this helps:)