Without a paddle... support for anyone starting a DMP in 2010 (part2)

true27

Mikon - I know they shouldn't but I wouldn't risk it. When I moved away from HSBC, I moved DS's money too because I didn't want to risk it. I think Ted had a similar issue in the early days so might have more info...seem to remember it depends on the age of the children and whether the account is in your name for them or in their names in their own right IYSWIM?

mikon

Northern Rock have my mortgage they cannot touch or do anything with that. Loan I have with them is unsecured so it will not effect my mortgage will it. I hope they don't touch the kids money.

pure_dead_dopey

:wave::wave::wave:Mikon

they can't do anything to the mortgage but they can take the children's money, its called right of offset and as long as your name is on the accounts they are fair game. I would move them smartish, think how awful you would feel if they snaffled the children's money.

I was going to send you a hug too but I don't think you need one, might not be a bad thing if you got angry at the banks, and don't expect them to funtion on the same level of decency as you do.............

Have a beer instead of a hug:beer:.

Albiebabes

tedsd wrote: »

Good Morning All....:)


Now into the 'will they accept as it's a low start?' phase....


Ted x

Hi Ted, I'm with you on that one...am a little concerned my DFD is years and years and years away....:eek: Hope they don't throw the book at me due to low payments:(.
On anoher note, had a call from my case officer at work today but was at work so the lady from PP sent me a text " please call your case officer to discuss stage one to being debt free", I like their enthuasium but no sure for how long I'll be enthusiastic a few months from now...Am keeping my pecker up!:p

Albiebabes

true27 wrote: »

if it sells I'll have enough to take them up on their 50% so keep fingers crossed for me please peeps!

Fingers crossed for you True! Mine will have to go on Ebay after our wedding in September:(.

mikon

pure_dead_dopey wrote: »

:wave::wave::wave:Mikon

they can't do anything to the mortgage but they can take the children's money, its called right of offset and as long as your name is on the accounts they are fair game. I would move them smartish, think how awful you would feel if they snaffled the children's money.

I was going to send you a hug too but I don't think you need one, might not be a bad thing if you got angry at the banks, and don't expect them to funtion on the same level of decency as you do.............

Have a beer instead of a hug:beer:.

I will go down to the bank tomorrow and withdraw it. hope they have not done anything with the account only sent the letter to them on Thursday of last week making the £1 token gesture.

I would not care but they seem to do quite well whne I start on my DMP for example i pay £84 per month now but under the DMP that will only go down to £54.00 whereas Barclays will see their payments reduce from £303 to £108.

ljm23k

gosh, loads of catching up to do!

Anyway.....

My free day out at the National Trust family fun day did NOT go to plan.....

We arrived before the bouncy castle and that were set up so went for a walk by the lough to see the old castle. Somehow, while playing with my 6yr old son, we got tangled up and were headed for a pile of nettles, then I heard the CRACK.....

I fell in a heap, much to my family's amusement until they realised all was not well....

Long story short, I fainted and passers by had to get someone from reception to drive down and pick us up and call an ambulance.:eek: The A&E was miles away and I had a whole can of gas and air and pain relief injection on the way. Surprisingly, the bone hadn't broken but I've torn ligaments very badly....:(

And I thought my back was sore last week?

newbeginning_2

LJM, was it the back that went CRACK?

OUCH!! Have you got lot's of itchy nettle stings too??

Sending you a dodgy hug
:grouphug:

ljm23k

newbeginning wrote: »

LJM, was it the back that went CRACK?

OUCH!! Have you got lot's of itchy nettle stings too??

Sending you a dodgy hug
:grouphug:

I think it was my ligaments tearing that went crack, and yes, loads of nettles stings and 6 weeks for the ankle to heal! Thank God Im a stay at home mum or Id be losing income:eek:

pure_dead_dopey

LJM ligaments are not good and you've got loads around your ankle, so no heroics, lie on the sofa and don't do anything. Sudocream for the nettlestings and rest and hot and cold for the ankle,plus take the brufon and the painkillers.

Dr Dopey is signing off now...........