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

pure_dead_dopey

sorry about that Prof, but typical I think of BofS, conversely they told us they would charge us interest but aren't.................... Lucky you with the weather, it is not sunny here, I'm going to be really disappointed if you are all roasting quietly and I'm shivering in the rain..................

Nanny25k

Welcome Mrs A:j

PDD - I've got the same beautiful weather as Prof - well done on the amount you got for your gold:T:T

Vic - It's a great feeling isn't it.... My creditors had their first payment on 25th March, my second payment to CCCS went on 1st April - really feels we're on the way :T

Rhian - Sound like things are coasting along nicely:):)

Nataz - Have you sorted out those pea plants:cool:

nataz

nope... big grey cloud

pure_dead_dopey

what's the matter Nat?

chocolates

Hiya everyone!! Hope you've all enjoyed the sunshine today

Had a letter from Freemans catalogue (owe around £130) my usual min payment to them is around £6 and CCCS have offered them £5, but in the letter they've sent me it says they are prepared to accept the lower payment for a maximum of 3 months!!!!! So what happens after the 3 months is up????
Also received a nice letter from HFC (owe £430) and they said they are prepared to accept the reduced offer!!!!
Crapone have written and defaulted me and say they are negotiating with CCCS.........so watch this space
Im still feelin pretty chilled out about the whole thing though and actually look forward to more letters coming in the post!!!! (probably sounds a bit strange)
Anyway have a good weekend everyone, hopefully the weather stays like this!!

pure_dead_dopey

ahh ted no we didn't but CCCS were very generous for food £447 (for 4 adults and one big dog) and phones £73, so I never argued and just left those in. We still pay £1228 per month, so a fair bit going to the creditors

pure_dead_dopey

I get commission on a good month and I whip it straight out of the account, reducing the money available to what we told CCCS every month. So I have started to always work with the same budget and the extras if there are any go straight to the principality, seems to work for me.

Professor_Pat_Pending

pure_dead_dopey wrote: »

ahh ted no we didn't but CCCS were very generous for food £447 (for 4 adults and one big dog) and phones £73, so I never argued and just left those in. We still pay £1228 per month, so a fair bit going to the creditors

Wow, £1228 a month, that should get that debt down very quickly with no interest. Good for you. :beer:

newbeginning_2

PDD - Didn't you have to send payslips to CCCS?

newbeginning_2

Can I ask a question???

Need to send a letter to Crap One, advising them of CCCS again and asking to stop interest, phone calls, threats of visits etc, I have asked CCCS to send the info through to them but thought I'd try writing as well. Has anyone done this? If so do you just use template letter thingys on Debtline website.