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

coffee-break_2

That's great Pure dead dopey, i got my welcome pack today too . It feels like things are slowly moving ahead :T.

Hi Girlypink, i'm still waiting for acceptance letters from the creditors too. As others have said, i think those letters are designed to scare you. I had 3/4 different debt collection agencies threaten they would visit but nothing happened . I wouldn't fret over it girlypink, it's not worth it .

Hope everyone is having a good day :wave:

girlypink

Thanks Nataz and Dopey. Its so nice to have people in the same boat. I felt so guilty at lunchtime spending £1.65 in costa but its probably the first time ive had that much cash the day before payday! :rotfl:
I guess i better call egg, i hate speaking to these people over the phone never know how nasty they are going to be.

I think one thing i might say on here though as its something that i wondered when i first started all this.

I filled in my budget sheet on December 1st online with CCCS, recieved a letter to sign about 2 weeks later and sent it off within 2 days and my pack came through yesterday with payments to start in Feb so all in all thats about 2 months but less if you count all the bank holidays if you are thinking of going with CCCS

I havent had any acceptance letters yet though how long did you wait for these? Maybe i just wont get any lol :mad:

coffee-break_2

iwillgetoutofdebt wrote: »

I got some good news today. MBNA have accepted my DMP, but are saying that they will default me. Egg also sent another letter saying they will default me as the arrears on my load are unacceptable (after just one missed payment ) and may pass my file to a DCA. Unless I get 6 figures on my lottery ticket, they will just have to take what I can offer though :whistle:

Still I would rather they issued the defaults now, as that means they will be off my credit file sooner rather than later.

That's good news re MBNA :T, do you mind if i ask how many creditors you have? I have 7 and all of them have defaulted. My once pristine credit file is shot to hell now .

iwillgetoutofdebt

I just got my first acceptance letter today Girlypink. I sent letters out in December, and started my DMP on January 1st (well it was probably about the 5th after all the Bank holidays).

I am guessing that things take a bit longer this time of year, as it is a common time for LBM's.

I am finding Egg to be a royal pain in the behind. They were the first creditors that I wrote to. I have also spoken to them, and emailed them, and they are still sending lots of letters, although they only try to phone once a day now (after last week when they were phoning about every hour). I won't speak to them anymore, and they can send all correspondance in writing. I get the impression that the left hand doesn't know what the right is doing in Egg-world.

girlypink

Thanks Coffee-break im glad im not the only one then. it does feel like slow progress but i also feel like im cheating a little although i know its the only real way to get straight again. Ive never missed payments or paid late or less than i should before!!

I meant to say before Nataz, its a loan with egg rather than a credit card dont know if that makes a difference, they say its a breach of their terms not to have a direct debit set up with them in one letter. And if its your birthday today then i hope its a great one.
:bdaycake:


Does anyone else owe Barclaycard? They must call me 6-7 times a day on my mobile and then another 3-4 at home. i know i shouldnt but im just not answering. its not like i can discuss the situation when im at work anyway. :mad:

girlypink

iwillgetoutofdebt wrote: »

I just got my first acceptance letter today Girlypink. I sent letters out in December, and started my DMP on January 1st (well it was probably about the 5th after all the Bank holidays).

I am guessing that things take a bit longer this time of year, as it is a common time for LBM's.

I am finding Egg to be a royal pain in the behind. They were the first creditors that I wrote to. I have also spoken to them, and emailed them, and they are still sending lots of letters, although they only try to phone once a day now (after last week when they were phoning about every hour). I won't speak to them anymore, and they can send all correspondance in writing. I get the impression that the left hand doesn't know what the right is doing in Egg-world.

Ah so im probably a month ahead of myself then, if you've already paid your first payment with CCCS, i will hopefully get at least 1 by this time next month :T

Ive only had letters from egg, they dont seem to be as bad as some of the others re contact to be honest. Guess its different for everyone though.

iwillgetoutofdebt

coffee-break wrote: »

That's good news re MBNA :T, do you mind if i ask how many creditors you have? I have 7 and all of them have defaulted. My once pristine credit file is shot to hell now .

I have five creditors (although I have three accounts with Egg - 2 cc's and a loan). I don't even want to look at my credit file now, but as I don't want any credit in the foreseeable future, then I don't suppose it matters.

If we do decide to re-mortgage, DH will do it without me; he has already written letters of disassociation to the credit reference agencies (my FiL who is an insolvency practitioner told him to do this) so his credit file should be ok.

iwillgetoutofdebt

girlypink wrote: »

I meant to say before Nataz, its a loan with egg rather than a credit card dont know if that makes a difference, they say its a breach of their terms not to have a direct debit set up with them in one letter.

It's my loan with egg that they seem to be getting their knickers in a twist about too. I also have two credit cards with them, so they are my biggest creditor in total. I had the same letter a couple of weeks ago.

girlypink

iwillgetoutofdebt wrote: »

It's my loan with egg that they seem to be getting their knickers in a twist about too. I also have two credit cards with them, so they are my biggest creditor in total. I had the same letter a couple of weeks ago.

They are my biggest creditor too, although i only have the loan with them. Did you contact them re: the letter? Were they horrible?:(

iwillgetoutofdebt

Girlypink, I spoke to them just after the letter, when they were phoning constantly. The person I spoke to was very polite, and noted down my reference number etc. I just don't think that their internal communication is up to much. I am not phoning them again as it seems to be a waste of my time. I have given them all the information I can, they just have to act on it.