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

newbeginning_2

Rhian82 wrote: »

Thanks for all advice. Forms are almost all filled in now, yay! Just have to wait till payday so can afford postage…

One more question sorry. We've done the form with all our creditors' details for National Debtline, and for this we need an 'address to send payment to' for each debt. We also obviously need this address to send the letters and token payments. For credit cards it's fairly easy to find the address, but what do you do for overdrafts?

For my overdraft I sent them to the branch address, they cashed the payment so it was fine

Rhian82

Thanks.

How's everyone doing in the run up to payday? This was our last month of making minimum payments, so we're completely broke - have £5.60 in my wallet, which needs to go on petrol, and am owed about £7 expenses from work. Won't get them until Weds though - then Thursday I'll get £30 tax credits, and Friday is payday :-)

Luckily I don't really have anything that needs buying by then - we've got some food in the house, and most importantly we've got stuff my son can eat (we've gone weeks before now living on pasta with tomatoes, and jam sandwiches, but have to be a bit more responsible with his diet!). I see a lot of marmite sandwiches in my future this week though!

pure_dead_dopey

Morning All

Ted I'm not sure whether being terminated or delinquent is the best thing, I think you might edge it there as you are terminated, then they can't charge interest?????? Live in hope my pets, live in hope.
Rhian it will be better next month, you deserve a small slap for letting it get so bad, your health is much more important than the pesky credit cards.

See you all later

true27

newbeginning wrote: »

:j:j:j:j:j:j:j

And a big well done to you True, it's really good to see the change on you from when this thread was 1st started
:beer::beer::beer::beer::beer::beer::beer::beer:

Awww thank you new!! I know I was trying really hard before I "met" you lot (:D) but just knowing that you're all here to catch me if I fall, to kick me up the jaxy if I need it and to encourage me to push that little bit harder has been absolutely invaluable to me!! Love you guys :grouphug: xxx

true27

Rhian82 wrote: »

Thanks.

How's everyone doing in the run up to payday? This was our last month of making minimum payments, so we're completely broke - have £5.60 in my wallet, which needs to go on petrol, and am owed about £7 expenses from work. Won't get them until Weds though - then Thursday I'll get £30 tax credits, and Friday is payday :-)

Luckily I don't really have anything that needs buying by then - we've got some food in the house, and most importantly we've got stuff my son can eat (we've gone weeks before now living on pasta with tomatoes, and jam sandwiches, but have to be a bit more responsible with his diet!). I see a lot of marmite sandwiches in my future this week though!

Payday can't come soon enough this month!! I honestly can't work out where all my money has gone!! (Says alot about my budgetting "skills" :rotfl:)!!

I also can't figure out why the tax credits all of a sudden started arriving on a Thursday instead of a Monday?? It's thrown my week out being broke until Thursday!! :cool:

true27

newbeginning wrote: »

I think we are the parents to the unhealthiest bunch of kids, my two are poorly too at the minute - 1 x tonsilitis and 1 x ear infection, so it's not going to be a quiet night for me, hope yours is better soon ted

Mine announced this morning that he has a Coldslaw :rotfl:

JLS3405

Morning everyone! Well we signed the DMP paperwork and I have just sent it today....yikes!! But I feel a bit better for doing it and its made me realise we couldn't go on like we were!! Had a quick look at the info on here....very helpful and now I know we/I am not the only one!!

Rhian... I know what you mean...£10.00 and need petrol and dinner! My new word is FRUGAL!

So can anyone tell me what happens next?

pure_dead_dopey

true27 wrote: »

Mine announced this morning that he has a Coldslaw :rotfl:

cabbage or celery???:rotfl::rotfl::rotfl::rotfl:

pure_dead_dopey

Hi JL

CCCS will send you a welcome pack with your all important number and letter template to send to your creditors. When that arrives get cracking sending tokens and the letter. Make sure you have a new unconnected with any debt bank account and change all your priority DDs, cancel the rest. You are up and running, well done

true27

pure_dead_dopey wrote: »

cabbage or celery???:rotfl::rotfl::rotfl::rotfl:

:rotfl::rotfl::rotfl: