Old geezers and gal's close to retirement on dmp's.!!

pure_dead_dopey

Hi Wad

PMed you

elsie52

thewad wrote: »

PDP

Any chance you could PM me your mobile.
Need to speak to someone who has been on a DMP for over a year.
Evening to the rest of you old goats!!!!!!!!

The Wad
:beer::beer::beer::beer::beer::beer:

Hey.

Who you calling an old goat.!! Are you insinuating, that we has got 'airy chins.!!

:rotfl::rotfl::rotfl:

pure_dead_dopey

:rotfl::rotfl::rotfl::rotfl:Elsie!!!!:rotfl::rotfl::rotfl::rotfl:

Nanny25k

Hi, It's been nearly a week............one or two posts to catch up on!!!

I definitely agree with the generation thing PDD.

Elsie, I glad you're okay now - I guess we all have our ups and downs...........whoops DH has just come back from his mothers and has bought me in a very welcome glass of wine!! Guess I'd best go and drink it!!:j

Catch you all later

A xx

thewad

We are all old goats.
elsie52 you have a PM.
Is that your age, if so it's the same as mine.

PDD
Sorry thought you were a long hauler.
How you finding it so far?
Mine starts 1st of next month.
Today is the first day in I can't remember when that I have not one single bit of post, not even a take away menu or charity bag or yet another Kleenezee mag.

The Wad

elsie52

thewad

I've PM'd you

thewad

Tomorrow lunchtime ok.
Going out now but will check your reply later tonight or tomorrow.
Thanks

The Wad
:beer::beer::beer::beer::beer::beer:

nanna58

:DWhats going on between Elsie and the wad? Plot thickens!!!:D

Chasingmytail_2

Hi All, No 15 here.

Elsie52 so sorry to hear about your extra troubles with the Clydesdale. Why do they seem to put all the pressure on people who are already trying their hardest. Don't let them get you.

Quick update on situation. I don't know if you recall but we got turned down by our lenders for a remortgage so after much humming and hawing and looking at our options, DMP or downsize house, we went to another lender to see if we would be elligible for a mortgage if we moved. She checked and advised us that if we wanted we could get the remortgage we had asked for originally as we had passed their credit check. (How do they work these things out).

So again after much mulling over we have decided:

1. to take it, it will cost us the same each month as we would have been paying to a DMP and although over a couple of years extra it will keep our credit rating ok (hopefully). We have managed not to use the credit cards since Xmas (probably for the first time in 20+ years) and are adamant that we will not be using them. We are going to have a ceremonial cutting of the cards.

and

2. if we find it is too hard going we are going to downsize.

Now I have one question. We might not be on a DMP but we are still deeply in debt and have in fact swapped unsecured debt for secured debt, I know not always a good idea, but we still have the option to downsize if we want.

So.............can I still be in your group? You all seem such lovely people and obviously of the same age and having made the same mistakes as us.

I'll keep you posted of our progress and any money saving tips would be greatly appreciated. We are going for a complete life change here, we only have 9 years until retirement and really need to get out of debt and start saving.

elsie52

thewad wrote: »

Tomorrow lunchtime ok.
Going out now but will check your reply later tonight or tomorrow.
Thanks

The Wad
:beer::beer::beer::beer::beer::beer:

No....don't get a signal at work.....will be back in after 3pm, and in all evening so anytime then.