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

pure_dead_dopey

Welcome Rhian

We are 100 pages old to-day so a good day to join. You've done the right thing and things will get back now that you have taken control, you'll start to feel better too. Its a huge difference living with "real money" its quite novelty! and its a huge thrill if you have some left at the end of the month, even a wee drop is a great feeling.. Keep posting and we'll all be here if you need to rant, vent or celebrate. We like the celebrating bit best

Professor_Pat_Pending

true27 wrote: »

Oh no, bring him - he can keep Prof company :rotfl::rotfl:

I would be more than comfortable on my own in the company of so many lovely ladies.

Rhian82

Thanks for the welcome

Can I ask what the deal is with postal orders? I was planning on doing the token payments and everything online, is there a reason not to?

mamajojo

Rhian82 wrote: »

Thanks for the welcome

Can I ask what the deal is with postal orders? I was planning on doing the token payments and everything online, is there a reason not to?

Hi Rhian and welcome....
I made token payments online, from the old account- it was all already set up to do that so easiest to carry on for us. Seems its best not to let creditors have your 'new' account details just incase they decide to use for their own purposes!!!!

mamajojo

Professor_Pat_Pending wrote: »

I would be more than comfortable on my own in the company of so many lovely ladies.

Ooo Prof - Cheeky!!! Do you not want to meet my deviant husband?!!:rotfl::rotfl:

mamajojo

Good morning!!!
Despite best intentions for today of having a nsd, going to have to go to aldi to check out the bargain eye cream...do you want me to get one True???
Off to wrap DD in towel and shove tablet down her throat after coating it in marmite, then I think I might have to rub her throat a bit to make it go down, is that they way PDD?

Have a good day:D

nonnynonny

Current status of my DMP as follows :

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

Good news from NORTHERN ROCK!!!! :j:j

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 against budget, Northern Rock Issued letter two weeks later stating 'plan accepted' for a 12 month period and then for review.

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.

Have now nearly all accepted in writing, apart from Cahoot!

Rhian82

mamajojo wrote: »

Hi Rhian and welcome....
I made token payments online, from the old account- it was all already set up to do that so easiest to carry on for us. Seems its best not to let creditors have your 'new' account details just incase they decide to use for their own purposes!!!!

Ah that's interesting - we won't have access to our old accounts as they have overdrafts so will be included in the whole process. Might be a good idea to set up another though, or go the post office route!

true27

Professor_Pat_Pending wrote: »

I would be more than comfortable on my own in the company of so many lovely ladies.

Who? Us? Awwwww

mamajojo wrote: »

Good morning!!!
Despite best intentions for today of having a nsd, going to have to go to aldi to check out the bargain eye cream...do you want me to get one True???

I'm braving the depths today - had to chicken out yesterday as my 'orrible ex-husband's van was in the car park and I REALLY can't handle him when I'm braving a new frontier :rotfl:!! We shall have to compare later

mamajojo wrote: »

Off to wrap DD in towel and shove tablet down her throat after coating it in marmite, then I think I might have to rub her throat a bit to make it go down, is that they way PDD?

I do that to my cat!! :rotfl: But not with marmite, think he'd move out if I tried that!!

nonnynonny wrote: »

Good news from NORTHERN ROCK!!!! :j:j

Northern Rock Personal Loan Original Payment £129 - CCCS Offer £63
Queried Budget, reviewed with CCCS, comments made, CCCS issued comments against budget, Northern Rock Issued letter two weeks later stating 'plan accepted' for a 12 month period and then for review.

Fantasitc news Nonny!! :beer:

true27

:hello: Hi and welcome Rhian!!

Sounds like you're making a cracking start! Keep it up, and keep posting - let us know how you're doing