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What now??

SkintMamma
SkintMamma Posts: 29 Forumite
in Debt-free wannabe
OMG, I think we've just made a boo boo, and I'm not sure what to do. We've just started a DMP with CCCS, and were advised to open a new bank account as our current bank is one of our creditors. So we've opened a new account with Natwest, changed all our DD's, wages etc and that is now all set up and running. Today we've received our welcome pack from CCCS with a creditor summary attached, and to our horror, we've realised that two of our creditors (Tesco CC and Universa) are listed as RBS Natwest. We had no idea that they were connected!! We were completely honest with the bank, and told them we were starting a DMP, but obviously didn't tell them they were our creditor, as we geniunely didn't know. Help!! What do we do now?

Anyone, please?

Thanks

Comments

  • costaerer
    costaerer Posts: 648 Forumite
    i wouldnt worry too much. ive been in arrears with barclaycard for like 7 months now, and i bank with barclays and theyve never tried to take money or anything like that.
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would ask someone like ras or fermi via a pm whether this is a problem....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
This discussion has been closed.
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