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

pure_dead_dopey

OK off to work, I would try to get in contact with CCCS again this afternoon, just for reassurance. Good news re OH's nice shiny new bank account!

pollywoggle

Hi everyone, Can I rant,:mad: Bloody wessex water have upped my monthly water bill to :eek:£60 a month.....moved here last year so payments were estimated at £35, now that they are actually true readings, they want the difference plus this years...............So sick of things going up and up:mad: and never having any money:mad:....sorry rant over xxx ;o)

TakingControl

Thanks for the welcome ljm23k :wave:

Regret - I had exactly the same panic attack when one of my creditors wrote to me straight away stating they are rejecting my DMP offer as it was to low in their estimates and that I would be hearing from a DCA and they may take me to court (debt is £1317). This was near enough 3 months ago and I haven't heard from a DCA or the courts and they are taking my payments even if they have set my account to defaulted straight away Anyway, I think this is at times the norm and after my initial panic attack, I started to understand and I have not heard from any creditor other than my monthly statements since my first DMP payment 5 months ago was made

eyeopener2

I'm getting very nervous now. DMP has been set up, received confirmation this morning, and a pile of letters has arrived from various cc/loans saying either pay up or ring us now. Gulp.

Just got to stay calm and remember that i'm doing the right thing. I'm paying back what I owe and they all should accept the proposals. Shouldn't they?

Looks like I need to phone a couple of cc companys now.

3431Anna

I am starting a DMP with payplan they say they will send my income and outgoings to my creditors when they receive my first payment they will also send my offers of payment, i have made a token payment to barclaycard which i was advised to do by payplan and barclaycard have left me a messsage asking me to contact them today i am very worried and don't really known what to say to them, payplan have contacted them about my DMP and are waiting for a reply and advice would be greatly appreciated

pure_dead_dopey

Eyeopener and Anna both of you should be on the name rank and number. Tell them if you answer the phone that you are in a DMP wih CCCS/Payplan and your number is . They should give you a 28 day period to get it all sorted out. You have to stay calm and remember that you are doing the right thing to sort the debt. My Oh and I are 4 months in, massive debts, 22 creditors, we've had around 5 phonecalls and all creditors have accepted and 21 have stopped interest, so it can be done, just keep your nerve and remember that they can't have what you haven't got!!

3431Anna

thanks for you answer and support I have just spoken to Barclaycard and they said that i should have just spoken to them there is no need to involve a third party, but payplan have not contacted them they still asked for my minimum payment plus next months minimum payment i said i had made a token payment and would contact payplan tomorrow to check that they had contacted them, he said he would wait 14 days for this

pure_dead_dopey

CCCS does all its contacting electronically from what i can see, not sure if Payplan work in the same way. Barclaycard can't have it both ways, they sometimes recommend that you speak to CCCS or Payplan! The collections guys are on commission, so they will always ask for the payments, but you can't give what you haven't got and if you did , it would be showing preference to one creditor which Payplan would tell you not to do. You are nearly there, just hang in till they receive the first payment from Payplan.

mamajojo

Evening Most Lovely People!:A
Tried to keep up with you with quick reads and the thanks button! Been Nurse Mummy again!!!! DD again! Throat Again, just waiting for the littlie to get it too, though DS the Elder is coughing and spluttering!

Welcome Newbbies! Big Dodgy hugs:grouphug: It will get lots easier honestly, PDD has as always given calm and reassuring words....arm yourself with your CCCS /payplan number and be ready to repeat it over and over if the collections dept phone you are doing the right thing, we are doing the best we can and breathe!

PDD - you are a force of nature!! Super positive lots of lovely posts you are a star!:T:T...I hope your tineeweenee business men have all behaved for you today

Pollywoggle - Water seems to move up and down for us every year - they can never find their own meter let alone get a good average for us! SO annoying:mad: it'll all balance out and we'll get our budgets right!

Brokepaolo - our second month of tokens did see a lot of phone action, but it was just stating the facts, and repeating them...cccs number sent a token payment, you'll receive £** on the 25th of the month the dmp starts etc...no so much hardball as the ball just bouncing around a lot with people who weren't very good at catching it!

LJM - You've said it all for me...though the toys an the clothes are the worst here, sadly can't go with you on the seasonal table linen:rotfl:.....would never iron anything for the table to wear!? Can't be doing with the stuff we do....
Baby stuff:(... very tough to let go of, I've started on the baby toys on ebay - sad sending off stuff for a couple of quid but someone else needs it, or thinks they do! Just trying to keep a very recycled head about it all! Hows the ankle doing - now you're a week or so on I can say I've been told torn ligaments are more painful than broken bones....have I got your injury right?:o No way I can back track and find your post now!

True - late but :rotfl:ConDem:rotfl:clever you! Whay aren't they using that on the news????Be more careful - sending you virtual aloe vera plant to keep at chippy incase of further burning incidents!

Gabriella - hows things today hun? Sending more hugs your way:grouphug:
Hope they've all forgotten your number properly now Ted - hope everythings good with you today.
Big hugs to everyone, wanted to try and catch up with everyone but
Time to go can hear rumblings upstairs....so :wave:New, Prof, Albie, Andy
...and Nat where are you love? Hope everythings ok with you and you little ones.

Professor_Pat_Pending

pure_dead_dopey wrote: »

Eyeopener and Anna both of you should be on the name rank and number. Tell them if you answer the phone that you are in a DMP wih CCCS/Payplan and your number is . They should give you a 28 day period to get it all sorted out. You have to stay calm and remember that you are doing the right thing to sort the debt. My Oh and I are 4 months in, massive debts, 22 creditors, we've had around 5 phonecalls and all creditors have accepted and 21 have stopped interest, so it can be done, just keep your nerve and remember that they can't have what you haven't got!!

Ditto to all the above, it is vital to be firm, give your reference number and refuse to be drawn on anything, you are entering a DMP and after taking lots of advice professionally it is the only way forward, etc, etc.

My news is that 7 out 8 have accepted DMP, no news re. interest frozen apart from MBNA x 2, awaiting others.
Only Citibank still pending, interestingly Payplan had the wrong address for them, although I rang them and corrected it, not sure it has been changed. Wondered if anyone else has had communication issues with them?
Hope all well with everyone and to all those newbies at the pre DMP stage, it will get better, it really will. PP