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

Albiebabes

Hey everyone,

Just wanted to say sorry haven't been on for a few days...been trying to catch up wih housework, elderly mother, work etc etc...

DMP gremlins have kept away since number plate "gate":D Wasn't so bad as good ole Halfords made me up a new one and fitted it for £18 so was much happier than the £50 I'd convinced myself wih:T (got probs with the "t", on my keyboard:p)..

Eyeopener - v glad that you feel so much happier re DMP!

Pollywoggle - hi there, not sure whether we've met before. Well done re e-bay sales!

Ted & Prof & HH & Mama & PDD & True - as always xx:)

Mikon - you truely are a great example of how a person can change things around and look so positively

AndyD - gremlin busters are US! SO glad your drains haven't cost you a fortune!!

Hi Skinto, Newbeginning & Julie67 :wave:

I know there are some of you I've missed out but I am still thinking of you ALL:A!! I just can't keep up wih the posts...sorrieeeee:o
Ready for a fresh new DFW week this week and am back in fighting spirit!:cool::cool:
AB
x

freshstart2010_2

Hi everyone

Cant believe how nice everyone is on here.:j Its very early days for me and cant believe i have got into this situation. Not got anything to show for it either just the usual using cards for everyday things like petrol food and ever increasing minimum payments:(

I am determined to get on the right track for debt free life. Not used my cards since September which was really difficult at the start as didnt realise how much i used them for little things! Suprise birthdays etc...

Have now finally decided need to do something as cant keep up with the payments any longer. Hopefully this really is a freshstart for me.:)

MIKON - you are so right health and family are more important xxxx

Tedsd - Thanks i will google charging orders and speak with payplan not had my call from my adviser yet just received the letter this weekend that i have to sign for authority for them to act on my behalf so will ask them when they call.

Fingers crossed this goes well.

Thank you all for your support. xx

true27

Gooooooood morning Popsickles!

Hope we are all lovely, well, positive and smiley???

Apologies in advance but I won't be around much this week - I'm working just every lunchtime and evening this week covering for holiday (yay pennies!!) and when I'm not working my house has to be a priority. Just been wandering around looking at the state of it, have no idea where to start but I must find somewhere! DH is away on a course all week and therefore out of the way so I can just crack on and do it! Wish me luck!!

Will pop on and update if I hear anything DMP-ish but I'm not holding my breath!!

Hope everyone has a lovely week, massive dodgy hugs all round :grouphug: xxx

mamajojo

Ahh you made me laugh:rotfl: Ted....I could walk with you we'd both be as bad - taking lots of pics gets you a good breather too!

In the post office this morning and wanted to whisper to a woman obviously doing the token tango it will be ok...the person behind the counter was all but shouting the payee of the postal order and is this just a pound too:mad:

Hope everyone's had a good weekend, think so all seems quiet but positive esp Mikon!
Phew Andy and AB re drains and numberplates!

Good luck with the house stuff True....don't envy you...I'm just giving in.....let the chaos rule! But at least you'll escape to work?!? You sound back on form:D:D
Right lovely peeps have a good day just spotted DD's reading book on the floor, have to take it to school or it won't get changed till the end of the week! Will be DFW and walk / drag DS the smaller along!

ljm23k

Hi everyone! I'm back on my (v wobbly yet) feet!!:j<- not quite!!

La Redoute (twits) passed my account on to DCA as soon as I started my DMP and my account no longer exists online, so why are they sending me discount letters? Nuts:rotfl:

mamajojo

ljm23k wrote: »

Hi everyone! I'm back on my (v wobbly yet) feet!!:j<- not quite!!

La Redoute (twits) passed my account on to DCA as soon as I started my DMP and my account no longer exists online, so why are they sending me discount letters? Nuts:rotfl:

Hi LJM - hope everyone's been looking after you and your ankle well....catalogues, money off, discount order forms etc all keep popping through the post box.....all from our dmp companies!? Manic recyling levels here!

Albiebabes

Good Afternoon everyone:wave:

I have compiled the letter below using your fab letter template suggestions. What do you think? I have a telcall scheduled with Payplan tomorrow to discuss the "next stage" and they have sent me a letter of authority to sign, in order for them to act on my behalf (will send that off today).
Am I doing things the right way round?

Date

Dear Sir/Madam,
Re: Account/Reference Number ACC NO

I would like to inform you that, since making the above mentioned agreement with you my personal circumstances have changed and I am experiencing financial difficulties.

I do wish to repay my debts but at the present time, I am in not in the position to pay the monthly minimum payments. I am currently seeking help from PayPlan who offer a non fee-charging debt management plan and intend to shortly produce a statement of affairs and repayment plan.

In the interim month or so I shall make a token payment to you of £1.00 as a sign of good faith (please see enclosed postal order). As soon as I have updated my situation and a Debt management plan is set up I/Payplan will contact you again.

During this period, please could you freeze interest and any charges accruing on the above account? I am aware that you have a good reputation for going beyond the Banking Code minimum requirements to deal sympathetically with individuals in trouble.

As other people who answer the telephone are not aware of my financial situation, please can you remove my telephone number from your records? Therefore all future correspondence between us should be in writing.

I hope this is acceptable on a temporary basis.

Yours faithfully,

Name

mamajojo

Looks good to me AB!

Albiebabes

tedsd wrote: »

... had to stop quite a bit on the way up and pretend I was looking at the scenery when actually I needed oxygen...:rotfl: when people were passing me on their way down i just kept my mouth closed so they didn't see me panting and pretended I climb big hills every day...
Good luck with your blitz week True...

:rotfl::rotfl:Ha ha Ted, you sound like me when I attempted to walk up Box Hill in Surrey last year:rotfl:I pretened to find something of great interest on the ground while people 20 years my senior whizzed past me:o

Albiebabes

mamajojo wrote: »

Looks good to me AB!

Thanks Mama!!:T