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

dmb_2

pollywoggle wrote: »

:cool: starting my DMP on April 1st, but havent heard anything from any of my creditors except the harrassing calls from !!!! one and J.D.Williams pay up or else, nothing from Next, Very or Lloyds tsb. is this normal?

How do I know if they have excepted or not.?

Some accept by letter some just inform dmp company. Just hold tight, cross fingers and wait and see
Good luck with it all:)

true27

pollywoggle wrote: »

:cool: starting my DMP on April 1st, but havent heard anything from any of my creditors except the harrassing calls from !!!! one and J.D.Williams pay up or else, nothing from Next, Very or Lloyds tsb. is this normal?

How do I know if they have excepted or not.?

Its just a sit tight game Pollywoggle, but it won't be long I'm sure

mamajojo

nataz wrote: »

Be back later peeps, bedtime calls. Heres to a better night.

Good Luck Nataz....but its not dark yet....its going to be a long bedtime here too.....they don't like going to sleep in the light do they!

mamajojo

oooo look 2 stars!

pure_dead_dopey

well done mama, you are now a 2 star person!!!
Have you tried big thick curtains?

Can you tell I haven't dealt with this sort of thing for quite a few years................?

happyhaddock_2

Hi Pollywoggle think we're both at the same stage. I'm still waiting to hear from 3 of my creditors think I might ring them if I don't hear anything soon x

true27

Well done on the stars Mama

I've got blackout curtain things in DB's room which seem to work, although they never did when he was a dink. I'll try to remember what I did to get him off to sleep, sure there was lavender involved somewhere in the process....

Nanny25k

Just caught up again from the weekend - lots of pages again!!

I have Halifax - no idea if they have accepted or not!! I suppose the fact that I can't do anything online now with the account is a good indicator that they have received the paperwork!!

First payment has gone to the creditors so am now on the way, however, as with others the interest would appear to be more than I'm paying in some cases! I had a service charge of £12 on the Next statement, what service would that be then??:(

Details are:

Nanny25K
£25,000
DMP start 1st March 2010
DFD 2015:j

ljm23k

I am the queen of blackout! 3 kids by the time my eldest was 4 so I needed to be on the ball! Actually, this seems to be the first year they have adapted to the time change very quickly, maybe cause they are now 8, 6 and 4. BUT there was a time when I had to do this.....

blackout curtains with extra blackout linings attached
then tuck the extra lining in under the window sill or blind
have also been known to sellotape extra blackout to window frame for whole summer, plus lots of blankets to fill the gaps
the only downside is they shout for mama if they need a wee as they can't find their way out

when the time changes move the bedtime by 15 mins every other night until they are going at the desired time again, so its not a big shock....thats what worked for me anyway..

Speaking of summer.....ITS SNOWING

ljm23k

Nanny25k wrote: »

Just caught up again from the weekend - lots of pages again!!

I have Halifax - no idea if they have accepted or not!! I suppose the fact that I can't do anything online now with the account is a good indicator that they have received the paperwork!!

First payment has gone to the creditors so am now on the way, however, as with others the interest would appear to be more than I'm paying in some cases! I had a service charge of £12 on the Next statement, what service would that be then??:(

Details are:

Nanny25K
£25,000
DMP start 1st March 2010
DFD 2015:j

Hi nanny, posted earlier about Halifax, they didn't write to me or acknowledge the DMP at all but I get paper statements and the charges and interest were 0.00 and the min payment was changed to the DMP amount offered, so it looks like an acceptance (fingers crossed)