When you're in a "Debt hole"..Stop Digging!

Chrisblue1962

This post is a bit of an update as I've been busy dealing with other matters....

Friday 12th March
Had major problem with Co-op Bank as they froze my current a/c and closed my savings a/c without telling me! :mad:

It appears CCCS wrote to them re. my DMP and because of this, they decided to only let me use my Cashminder a/c - basic bank a/c no overdraft facility - from now on rather than from the planned start date of 15th April, which is when I wanted to do the account "transition" so to speak. After many frantic phone calls, managed to get access so remaining funds and sorted things out so that salary went in new a/c.

Saturday 13th March
Received snotty letter from Debt Managers, on behalf of Barclays, requesting full payment...usual scary words and loads of red ink. It's funny how you see through the "scare 'em" tactics of DCAs. Will inform CCCS to ensure they contact Debt Managers to let them know CCCS is managing payments.

Monday 15th March
Received letter from Cabot Finance, confirming acceptance of CCCS offer from end of March :eek:. DMP due to start in May so quick phone call sorted things out, Calder were surprising ok about DMP starting in May.

Tuesday 16th May
Posted formal complaint to Cooperative Bank re. account closure and general poor customer service.
Received letter from Northern Rock accepting CCCS offer but they want immediate payment. This is not possible until May so need to phone them tomorrow.

*Jellie*

Sounds like a rocky path but well done on being so proactive and getting it all sorted. It must be tough but at least your headed in the right direction!
Hope everything gets sorted out

Chrisblue1962

Thanks Jellie, your ongoing support is most welcome. You still going to be debt free in April or have you achieved it already?

carlos*the*mackem

Well done on all you've achieved so far :T

'Tis not an easy path to tread, but you'll get there

Chrisblue1962

Phoned Northern Rock, they accepted that DMP wont start until May and that they don't require immediate payment.

Received another phone call from Debt Managers. Advised them that CCCS now dealing with debt repayments and DMP will start in May. DML stated they have received no such notification rom Barclaycard :mad:.

Took address and details of DML and forwarded these to CCCS....death by initials? :rotfl:. Hopefully, DML will see sense and accept CCCS DMP offer.

*Jellie*

Chrisblue1962 wrote: »

Thanks Jellie, your ongoing support is most welcome. You still going to be debt free in April or have you achieved it already?

Got there at end of February- am now saving like crazy as am hopefully moving house and may need to do some decorating etc.

Good news re Northern Rock. Keep plodding on!

Chrisblue1962

Well done on getting debt free :T :beer: :j.

Good luck with the house-moving and decorating. Can't give you any DIY tips I'm afraid...DIY not my strong point..almost as bad as my gardening :rotfl:lol

Chrisblue1962

Well folks, DMP due to start 10th May and the runners and riders for the CCCS DMP Steeplechase looks like this at the moment...

Co-operative Bank - Accepted CCCS offer
M & S Money - Accepted CCCS offer
Northern Rock - Accepted CCCS offer
Calder Financial - Accepted CCCS offer
Nationwide BS - Tenetative acceptance / probably will :cool:
Barclaycard / Debt Managers Ltd - Awaiting reply...:(

The race may last upto 11 years and the going may be heavy in places..:)

Chrisblue1962

Bit of a £$%^&*@! day today as car insurance company told me that they have cancelled my policy because I forgot to tell them about a) minor accident 2 years ago, minimal damage to other car, my fault b) accident in July last year, NOT my fault as I wasn't even driving my car i.e. I was passenger (recovering from broken ankle at time !) when I applied in Feb.

Policy cancelled so they kindly advised me of re-quoted policy £658.99...double existing! :eek: Need car for job so had to start new policy TODAY...£58.73 deposit...that's this month's budget shot to hell

*Jellie*

Oh dear! It's horrible when life throws things like that at us.
I'm sure you'll make it through this month- hopefully the improvement in weather means you can have fun times out without spending too much. Keep calm and carry on!!