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

Rhian82

Agh nightmare. We had a debt with RBS a few years ago that they agreed to freeze interest on and take £10 a month for. When the credit crunch started they rang and wanted to up it to £25 a month, or they would accept half the amount owed as full and final.

Luckily we had the cash at the time and could get rid of it.

mamajojo

Hi PDD good to have you back:) thats a lot of miles for one small business man! No doubt same !!!!!! ( a person of the surname angell!:shocked:) at RBS sending default and interest drenched statements to dh...he will phone tomorrow and I must be sure to tell him to ask them what his deviant status is:rotfl::rotfl::rotfl:

pure_dead_dopey

:rotfl::rotfl::rotfl::rotfl:aah Mama you put back into a good mood

just feeling grateful did not strangle anyone this week, difficult to pay the DMP from the jail:rotfl::rotfl::rotfl::rotfl:

pesky small business person, panic merchant and all round b##### nuisance:eek::eek::eek:

Bailey3

Hi all just wanted to update you. After giving me the courage last weekend from your lovely replies me and the OH set about opening all our unopened post and made a start getting to grips with the situation. We filled in the debt remedy and PUSHED THE BUTTON. Needed a large drink after but felt great. Then our computer totally crashed was this a sign!!! So it has taken a week to get fixed and i have lost a lot of info but hey just another problem. What i do need is the template letter to send to our creditors offering token payment. Anyone help me please.
I have opened a new bank account with the co-op who were great new cards already arrived. Still waiting on the pack from CCCS. Clld all our DD now need to set up new ones. So this is the start and if it had not been for this site i know i would have kept burrying my head in the sand. So a big thank you. :j

newbeginning_2

Hi Bailey

Well done on pushing the button, Teds letters great or if you wait CCCS send one which you just add your details and send to creditors informing them of the DMP.

GibbsRule_No3

Just had a very nice letter from John Lewis (shame they are my smallest creditor, but they do look like they have an affiliation to HSBC, so fingers crossed with the other things I have with them) saying they will liaise directly with Pay Plan and assure me they will consider my individual circumstance and ability to pay. So not exactly accepted the PP price.

Barclaycard statement arrived for next month, token payment cashed but default charge added and a "please pay the outstanding money from last month immediately and the new amount by 19th". Have emailed PP but it is the weekend, so will wait until I hear from them before contacting BC.

Last Rugby wekend, 3 games to day, get :beer: in and settle in front of new TV:j since it is raining. Aldi and sister for lunch tomorrow.

Thanks for the info on savings a few threads back. I wondered if it was OK to put the money for TV license and hair etc into a savings account until needed.

mamajojo

:eek::eek:Boiler packed up this am, no hot water or heat, we have british gas cover but terrified it won't cover the problem, we seem to have an appointment for today so just have to wait and see. No emergency fund....carp carp carp...not that we'd have been any better a few months ago as there was no space left on the cc....makes you realise you've got to build a stash of cash under the matress:eek:

GibbsRule_No3

mamajojo wrote: »

:eek::eek:Boiler packed up this am, no hot water or heat, we have british gas cover but terrified it won't cover the problem, we seem to have an appointment for today so just have to wait and see. No emergency fund....carp carp carp...not that we'd have been any better a few months ago as there was no space left on the cc....makes you realise you've got to build a stash of cash under the matress:eek:

That does not sound good:eek: Fingers crossed the cover does cover it. Do charities have hardship funds for things like that happening? Feeling grateful I live in rented accomodation so landlord has to deal with such things.

ljm23k

mamajojo wrote: »

:eek::eek:Boiler packed up this am, no hot water or heat, we have british gas cover but terrified it won't cover the problem, we seem to have an appointment for today so just have to wait and see. No emergency fund....carp carp carp...not that we'd have been any better a few months ago as there was no space left on the cc....makes you realise you've got to build a stash of cash under the matress:eek:

I think we are all stashing it under the mattress....literally:rotfl:

true27

pure_dead_dopey wrote: »

:wave::wave::wave:

Yoo hoo, its me I'm back, just.

one of my small businessman had a big problem in Banff, which is very far away, around a 550 mile round trip, so i have been missing for 2 days. and haven't you lot been busy??? pages and pages, welcome newbies, well done somebody for phoning Barclaycard, True, I'm sure you don't need the pesky cream, you've got loads of time to work up to it. Was that the prof being charming with the twinkly eye;);)?

The barstewards at RBS sent me a default and a statement adding on double the amount of interest than the payment we made. had a conversation with some woman who tells me I'm still not delinquent enough by their procedures for them to stop interest:mad::mad::mad: give me strength.

Hello lovely, did wonder where you'd been!!

Do you do the same sort of thing as Business Link down this end of the country? Sounds like you're much better at it, down here we can't get them to go more than 5 miles unless they are getting a slap up dinner!

Maybe you should go in to branch and throw all the leaflets on the floor and throw a paddy? Sure you'd be delinquent then :rotfl:

Hope Nat comes back soon....