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

mamajojo

Just opened post, santander accepted for dh, all be it a temporary arrangement.
Waiting to hear from 11, do I just wait?
Do you think I need to tell cccs we've had this letter? Also anyone know about the password, for the cccs website, not had it yet. Don't want to phone when I don't need to cos someone else might need to talk more than me iykwim!

Phone's quiet here too, strange! But good!!

pure_dead_dopey

mamajojo wrote: »

Just opened post, santander accepted for dh, all be it a temporary arrangement.
Waiting to hear from 11, do I just wait?
Do you think I need to tell cccs we've had this letter? Also anyone know about the password, for the cccs website, not had it yet. Don't want to phone when I don't need to cos someone else might need to talk more than me iykwim!

Phone's quiet here too, strange! But good!!

Hope its the first of many Mama. if you go on to the CCCS website and click the forgotten password they'll send you another by email. As long as you know your number which I am sure is tatoo on your forehead:rotfl::rotfl:

How are the vomiters doing, hope they feel better and have stopped throwing for the UK...:eek:

VicB

...got a bit distracted there...Cheryl Cole is 'officially' separating from Ashley Cole, hopefully now she'll take him for every penny (apologies if not of you are as celeb-obsessed as I am! ).

I'm sure I read on the CCCS counsellor thread that banks can do the offset thing if it's within their group of companies but absolutely not if they're not linked...that would be theft!!

pure_dead_dopey

VicB wrote: »

...got a bit distracted there...Cheryl Cole is 'officially' separating from Ashley Cole, hopefully now she'll take him for every penny (apologies if not of you are as celeb-obsessed as I am! ).

I'm sure I read on the CCCS counsellor thread that banks can do the offset thing if it's within their group of companies but absolutely not if they're not linked...that would be theft!!

I think I read that somewhere to, if you think about it makes sense or they'd all be dipping each other's pockets in a complete chaotic merry go round.
Do you think Cheryl would like to share,maybe True could ask Simon to ask her when we're all singing in the trolleys?:rotfl::rotfl::rotfl:

losingbigtime

nataz wrote: »

Losing please please try not to worry you will be fine. Im sure of it. I know this is the most scariest thing in the world. Ive been putting it off since 2007! But we've all taken the first step and trust me, its not as bad as you think. You are doing the right thing!
Ok, answers.
Yes send the notification and token together, keeps everything straight forward and you dont have to write another letter to go with the payment.
You can send the same amount to all creditors. Most people send a £1 postal order. DO NOT SEND A CHQ. Basically this is so your creditors dont get your new banks details. It will cost you for the postal order but its safer. Make sure they have been crossed though. Send them and the notification to the usual payment address. This can be hard to find esp if you normally pay by direct debit or online. Give us a shout if you're stuck with any Im sure one of us will have it.
I wouldnt bother sending more than one token payment. Unless your DMP is put back for any reason. Once they've got the payment and the notification letter they know whats going on and they will be waiting for the next payment from CCCS.
Bascially you'll have done your bit.
You can then sit back, wait for the acceptances (try not to get to hang up on these though) and sort out your first payment to CCCS.
I hope that helps make you feel a bit better. You're not alone and you can do this
Hang in there :grouphug:

Hey yes thanks it does make me feel better - every time I come on this forum I feel better and feel as though I am taking a step further to sort out the mess I have made for myself.

I have the following for the payment addresses:-

HALIFAX
Card Services,
Pitreavie Business Park,
Dunfermline,
KY99 4BS

---

Customer Money Team
Egg
Pride Park
Riverside Road
Derby
DE99 3GG

---

Virgin Credit Card
Royal Avenue
Widnes
WA88 1AS

---

Capital One:
PO Box 1000
Camberley
GU15 3ZQ

---

Tesco Personal Finance
George House
31 North Hanover Street
Glasgow
GF1 2YG

---

Natwest Credit Card,
MILTON kEYNES
MK77 1SE

Are these correct? As for my current account (old one - Natwest) do I send it to my local branch (which is next door to my work and they all know me!!!!! Could be a bit embarassing) or do I send it to a different head office type address?

I cannot wait until those last 2 direct debits have been taken then I can draw a line under Natwest and treat them like all my other creditors.

I hav decided I am going to send the Notification of DMP letter and token payment to each creditor about 5-6 days before the next payment is due (a postal order) and then wait for CCCS to kick in with the plan. Natwest I will leave till as late as possible, probably last week in March.

Gosh I really feel like I am getting somewhere now, I just hope all this works!

Cheers all x

losingbigtime

VicB wrote: »

...got a bit distracted there...Cheryl Cole is 'officially' separating from Ashley Cole, hopefully now she'll take him for every penny (apologies if not of you are as celeb-obsessed as I am! ).

I'm sure I read on the CCCS counsellor thread that banks can do the offset thing if it's within their group of companies but absolutely not if they're not linked...that would be theft!!

this is why I am worred in case my new bank (Lloyds TSB) is in any way connected to any of my creditors, who are:

Egg
Virgin (MBNA)
Halifax
Capital One
Natwest
Tesco Finance

:eek:

VicB

losingbigtime wrote: »

this is why I am worred in case my new bank (Lloyds TSB) is in any way connected to any of my creditors, who are:

Egg - Part of Prudential
Virgin (MBNA) - MBNA (MBNA America Bank)
Halifax - Part of HBOS, which is a subsidery of Lloyds Banking Group - please double check this with CCCS
Capital One - Capital One Bank
Natwest - Part of Royal Bank of Scotland
Tesco Finance - Part of RBS

:eek:

Ok, I've looked up Lloyds TSB and the others on Wikipedia and Halifax/HBOS may be linked, I'd speak to CCCS to double check as some are more linked that others IYSWIM.

Hope it helps x

pure_dead_dopey

VicB wrote: »

Ok, I've looked up Lloyds TSB and the others on Wikipedia and Halifax/HBOS may be linked, I'd speak to CCCS to double check as some are more linked that others IYSWIM.

Hope it helps x

lloyds bought Halifax/Bank of Scotland last year, remember the dodgy deal last year facilitated by the PM? I have spoken to both collection departments and there rules and regs and tone were suspiciously alike, i would not leave any money that you can't afford to lose in either of them if you have debt, just to be safe.:T

VicB

pure_dead_dopey wrote: »

lloyds bought Halifax/Bank of Scotland last year, remember the dodgy deal last year facilitated by the PM? I have spoken to both collection departments and there rules and regs and tone were suspiciously alike, i would not leave any money that you can't afford to lose in either of them if you have debt, just to be safe.:T

They're all SO dodgy aren't they?...what happened to just keeping your money under the mattress?

mamajojo

pure_dead_dopey wrote: »

Hope its the first of many Mama. if you go on to the CCCS website and click the forgotten password they'll send you another by email. As long as you know your number which I am sure is tatoo on your forehead:rotfl::rotfl:

How are the vomiters doing, hope they feel better and have stopped throwing for the UK...:eek:

Thanks PDD - yes my number is on my forehead, would wear it if I could as it seems to be keeping me safe!?!
Children stopped messing up the cleaning budget with their puking but little DS still has an exploding bottom, was taking to DD's teacher tonight and h there was a massive man sized fart, I thought blimey she'd keeping on talking and isn't bothered!!!!!! Arhh but then the smell and the damp patches on the little ones trousers, a messy business! Thanks for asking!