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

candypop

tedsd wrote: »

Hi Candypop,

I've found this on a post from Dark Convict in Dec 2009....

If you defaulted in 2006, then the default would have been on your file since then. The DCA shouldn't have added one more recently, it is upto the original creditor to place a default within 6 months of you defaulting and them notifying you they are placing a default.
A default lasts only 6 years so should expire in 2012, a DCA can't change the default start date as it would mean it stays on your file for over 6 years whilst is not allowed.

Lets' hope CCCS confirm when they reply to you....

hope so... I'll let you know as soon as I find out Take Care

pure_dead_dopey

sounds like what I thought, would be no point in doing a DMP if it was 12/18 years before you were clean on the credit side. Well done Sherlock, you can have a puff at your pipe now.

nataz

hey ho everyone

Thanks mamjojo defo needed one of those mega dodgy MSE hugs. Still feel pretty carp, not sure whats up TBH, if I was pregnant I think Id blame it one hormones! Sorry Prof!! :rotfl::rotfl::rotfl:

Well so far I havent heard anything back about the BofS mess. Theres no way Im ringing them again, honestly you have to go through 3 seperate menus before getting to speak to someone, who just tells you the same stuff :mad:

Hurray its nearly SATURDAY :j:j:j:j:j

Think I need some mad tedsd humour to cheer me up, and pass the wackos will ya ......

pure_dead_dopey

Personally I quite like the caramel ones better than the chocolate ones. We had the mozzerella and chorizo meatball out of Aldi tonight and they were fab, nearly passed them off as my own................no as if I would, course not, well nearly

true27

pure_dead_dopey wrote: »

Time for wee bottle of mr A's finest three for ten.:beer:

:beer: bring it on!! DH is out on his works leaving doo - the old romantic said he'd bring me doner meat and chips on the way home! He knows the way to my heart :rotfl:

pure_dead_dopey

what a classy bird you are True, this is the first Friday in ages I have actually enjoyed a wee glass, I think the stress of being a financial implosion is beginning to wear off. We are just plugging away now to get it paid before we retire. God how depressing is that, has another drink, ah not too bad then.........donner and chips mmm can I have some?

nataz

hows the chips true?

home alone on a friday night.... um bliss! I suggest wine, chocs and a naff chick-flic, works everytime

true27

Oh I love it, I was more excited about getting the house to myself for a night than the payrise when he got the job!! :rotfl::rotfl:

I'm snuggled on the sofa, cat one side, dog the other, beer in hand and the entire series of Secret Diary of a Call Girl to devour before my wonderful hubby brings home the junk food :rotfl::rotfl:

Anyone remember the carefree Friday nights, drinking cheap plonk and listening to Radio 1 and then hitting the local scabby club and sticking to the carpet for a few hours then grabbing cheesy chips on the way home? Oh, those were the days :rotfl: :rotfl:

true27

Nothing like a bit of financial implosion to drive you to drink PDD :rotfl:

pure_dead_dopey

aah it was sticking to the scabby carpet that brought it all back.....................

to this day, if I walk into premises and stick to the carpet,......I'm off. I was psychologically damaged by those scabby carpets in my youth........fell of the sofa laughing