Starting my DMP on 1st Feb... Anyone want to join me?

pure_dead_dopey

morning all.

lovely and sunny here and no letters or phonecalls, going to chill to-day

nonnynonny

Current status of my DMP as follows :

1st Payment to CCCS made on 01/03/10.

Good news from Tesco!

Tesco Loan 1 Original Payment £176 CCCS - Offer £85
Letter received accepting DMP, for a 'limited' time only, and 'periodic review'. Now managed by the 'Credit Management Department'.

Tesco Loan 2 Balance Original Payment £174 CCCS - Offer £86
Letter received accepting DMP, for a 'limited' time only, and 'periodic review'. Now managed by the 'Credit Management Department'.

Cahoot Flexible Loan Original Payment £82 CCCS - Offer £40
No Correspondence in writing, on my equifax credit report i now have a £0 credit limit, called them and the said they 'accept DMP's whatever the value'.

Northern Rock Personal Loan Original Payment £129 - CCCS Offer £63
Queried Budget, reviewed with CCCS, comments made, CCCS issued comments, no response as yet.

Cahoot Overdraft Original Payment N/A - CCCS Offer £24
No Correspondence in writing, on my equifax credit report i now have a £0 credit limit, called them and the said they 'accept DMP's whatever the value'.

Lloyds TSB Overdraft Original Payment N/A - CCCS Offer
Letter to CCCS stating no record of account, yet statement recived with standard charges this month.

Next Directory Account Original Payment £18 - CCCS Offer - £5
Letter accepting DMP, initially got monthly dates wrong, called them, changed dates no problem, plan now in progress.

Halifax Credit Card Original Payment £80 - CCCS Offer £61
Letter accepting DMP for 3 months, 1st payment due in Feb but should be 25th March as per my first CCCS payment, issued a token payment again, stating this, had no correspondence since. (Two weeks ago).

Virgin Credit Card Original Payment £65 - CCCS Offer £51
Accepted DMP, 0% interest and charges, review periodically.

nataz

Sounds like its all going well nonny.

Had a letter from Natwest CC, so annoying. I took the card out on a 0% rate and they've now slapped on 1.3%each month. So I owe them more now than I did last month. Poop! Do you think its worth calling CCCS about it. Im not sure whether you need to tell them if creditors are adding interest. They've also reduced the limit so thats is pretty close to the balance. Im worried that I might end up going over it if Im not paying off enough to bring the balance down.
I dont get statements for the current account anymore so dont know how the other half is going.
And BofS still lost in the etha somewhere

But at least the sun is shinning....

ljm23k

Hi everyone, finally got the paperwork to cccs in the post but have held off with the token payments as the post office is in the village shop where my MIL works so I will go to town tomorrow, none are due until the start of next week anyway. I got the truecall up and running this morning too!! I set it for starred callers only as I only get 1 or 2 calls a week, we live pretty close to family and I keep in touch with friends by email/text. I didn't put my own mobile on so I could test it, so far so good but I will report any probs to all of you who may be thinking of investing.

pure_dead_dopey

nataz wrote: »

Sounds like its all going well nonny.

Had a letter from Natwest CC, so annoying. I took the card out on a 0% rate and they've now slapped on 1.3%each month. So I owe them more now than I did last month. Poop! Do you think its worth calling CCCS about it. Im not sure whether you need to tell them if creditors are adding interest. They've also reduced the limit so thats is pretty close to the balance. Im worried that I might end up going over it if Im not paying off enough to bring the balance down.
I dont get statements for the current account anymore so dont know how the other half is going.
And BofS still lost in the etha somewhere

Worth giving Natwest a phone, I phoned and it was all to do with that delinquent thing, we hadn't been a bad custmer for long enough?????? Woman was nice and said it had to go through their system and we had to become delinquent:eek:. Still haven't heard a thing so don't know if I am delinquent or not yet:rotfl::rotfl:
It would make you throw a trolley at a bunny:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

nataz

cool always wanted to be delinquent lol!!!!!

those poor bunnies are sooooo suicidal

nonnynonny

tedsd wrote: »

Thanks Nonnynonny,

hope you're ok?

Cahoot should lead the way in DMPs, almost wish I had a loan with them....:rotfl:

Hello yes im great thanks,

Cahoot were strange, i dont think they could find my account judging by the noises the phone operator made 'mmm' 'aahh' 'ehh'.

I then explained the situation and they said 'Oh yes we always accept DMP's whatever the value, thats no problem' ????

losingbigtime

Hiall, well just got home on lunch hour,stack of post behind the door :eek:
Anyway,opens it and first letter is from CCCS dated 4th March advising that Virgin CC not accepting DMP. SEcond letter dated 4th March very nice letter from Virgin stating they have accepted, will stop all interest and charges and asking me to set up a standing order / DD to collect the reduced payments each month.

What do I do? Do I let CCCS know I have had this letter or will they already know? And what about setting a DD up, this is already covered by the CCCS payment - do I need to contact Virgin or do I just leave it to the DMP now?

Slightly confusing!!!!

So that's Cap One and Virgin now accepted, not heard anything from the other 5 yet...........will keep you posted.

Happy Monday everyone! :j

ljm23k

Anyone else had trouble setting up truecall? no one can get through ATM, even starred callers. Could just turn the ringer off and send it back....

mamajojo

Looking good Nonnynonny! Although your cccs payments are fab compared to ours! Our creditors probably want to say are you taking the pi** to ours, well that's pretty much what HSBC did say. And Next are just playing silly buggars, esp with dh's account all they've said to him is thank you for the query on your account we are investigating it! Me, they keep sending me credit agreements to sign - which I'm not!!!
Well cahoot:Twish I knew that along time ago!?
Nataz - when I've phoned cccs about not acceptance - interest they've just noted it and said we'll just send them the money....

Going to phone mbna and ask them to change payment date to 25th, wish me luck!