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

true27

VicB wrote: »

True – I had to wait a week for a card reader from NatWest, great gizmos (if a bit of a palava!) Also True, on the claiming back charges and unenforceability thingy….I was thinking about doing it (I’m convinced my Cap1 card is unenforceable!) but when I spoke to the CCCS they said to sit tight for a while wait until the DMP is up and running otherwise you may upset the creditors….!! :eek::eek:

Oh I'm not bothered about upsetting them, time for revenge me thinks :rotfl: I haven't worked out the uneforceable thing but I get the charges bit so I'm going to have a crack at that first. Think thats the bonus of self-management, just stick it to them :rotfl:

Do you know if you need a separate card reader for each account or if one will do the job for the lot?

pure_dead_dopey

Hi True

Go to whack them one from me!!!
My wee gizmo works off the co-op account and lets me send payments to my other accounts and pay bills from the account. I think you also need one if you want to buy something on the internet (not that i am allowed of course.)

newbeginning_2

from what I've read (nowhere near enough) I dont think my Capital One is enforceable either, but not really a clue where to start, need to have a good luck into it.

True & Vic if you find anything out about yours can you post it on here? Pretty please....

ljm23k

Thanks to all who offered advice regarding token payments, I am getting the courage to send a smaller amount than I had first planned. Anyway, I need to be able to pay the 259.00 to cccs on the 1st of the month, hopefully April.
Professor Pat - your letter was great and made a point that applies to me, others answering the phone. Do you think they will stop calling? I think I will get a true call anyway, I just got a refund from mini boden for kids clothing that was faulty and it will cover the cost!! The "old" me would never have even asked, but I am a reformed shopping addict now turned totally frugal.

Looks like everyone checks in the day time here (I am a bit of a night owl) so I might stop by in the morning.

gabriella90

NaughtyMummy wrote: »

PS. I forgot to ask. Did I see on here about a number you can call to get cheaper 0845 numbers?. To contact certain organisations you need to dial the expensive 0845 number and I was wondering if I could try and bring my costs down.

Thankyou again.

Morning,

Blimey i'm not here for 24 hrs and the 3 more pages. Here is a link for the numbers thing. I have asked companies virgin etc for there local number they often have this for people calling abroad (me). let me know who your creditors are and i might have some numbers already.
http://www.saynoto0870.com/search.php

Gx

gabriella90

tedsd wrote: »

Just watching the News - We own 84% of RBS so to them!

Love this!!:j So technically they should right off my loan!:D

PDD how do you become delinquent? has your account been transferred to Credit Management services in Telford.

G

gabriella90

ljm23k wrote: »

Thanks to all who offered advice regarding token payments, I am getting the courage to send a smaller amount than I had first planned. Anyway, I need to be able to pay the 259.00 to cccs on the 1st of the month, hopefully April.
Professor Pat - your letter was great and made a point that applies to me, others answering the phone. Do you think they will stop calling? I think I will get a true call anyway, I just got a refund from mini boden for kids clothing that was faulty and it will cover the cost!! The "old" me would never have even asked, but I am a reformed shopping addict now turned totally frugal.

Looks like everyone checks in the day time here (I am a bit of a night owl) so I might stop by in the morning.

Me again, i'm having a posting frenzy this morning.:j:j If the calls get too much there is a template letter you can send which basically says if you do not stop harrasing me i'll report you. Please only write to me etc.

Give this link a go
http://forums.moneysavingexpert.com/showthread.html?p=11571485#post11571485

Also if you need any other letters or nationaldebtline have good template letters.

Breakfast time now. Oh if your wondering why i'm up early i'm 2 hours ahead of you guys:)

NaughtyMummy

Oh Noooooooooooo:eek::eek::eek::eek: My wages have been paid into the wrong account!!!! What time do the banks open? I need to see if I can go and withdraw the cash. Wish me luck xx

true27

gabriella90 wrote: »

Breakfast time now. Oh if your wondering why i'm up early i'm 2 hours ahead of you guys:)

LOL that explains it - I thought you had joined the MSE Insomniac's Club :rotfl: Do you mind telling us where you are? I hope its lovely and sunny

true27

NaughtyMummy wrote: »

Oh Noooooooooooo:eek::eek::eek::eek: My wages have been paid into the wrong account!!!! What time do the banks open? I need to see if I can go and withdraw the cash. Wish me luck xx

Oh god Mummy thats awful! Fingers crossed for you xx