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

chocolates

Hiya everyone

i am 2 months into a DMP with the CCCS and things are going well. However my boyfriend and i had a joint current account with nationwide. Will me being on a DMP also affect his credit rating?? If so is there anything i can do about this?
Thanks in advance

pure_dead_dopey

Hi Chocolates

I think you should take your name off the joint account as it would make your BF financially associated with you. He might be a bit late and may have to contact the CRAs to put a note on to financially disassociate himself from you. Sounds quite harsh but no point in tarnishing his record if you don't need to. Hope this helps.

true27

Hi Chocolates - echoing PDD, if you don't use the account anymore then close it. It might be worth you getting a copy of his credit report (experian or someone) to check if there is a financial association between you. HTH xx

newbeginning_2

Am I missing something - what blog??????????

candypop

Hi everyone - not been online for a while now. Started DMP on 1st april and has been going smoothly even managing with budget especially this month as all birthdays, anniversary's are all in June. even have money aside for car service in July. But strange thing happened today got my cc statement for June from halifax who have deducted interest this month even though the last 2 statements showed estimated interest at £0. This statement even shows next month estimated interest at 0 so I really dont know what has happened. Are they no longer accepting my DMP. Minimum payment is DMP amount still though. Have emailed the CCCS to see if they know what has happened - has anyone know this happen. Was really thinking I was achieving reducing my debt but the amount outstanding has only gone down by £10 this month instead of £90.

pure_dead_dopey

newbeginning wrote: »

Am I missing something - what blog??????????

Martin's Blog, there is a wee tab at the top of the page, then go to discussion and Ted and I are on there having a rant!!!;););)

gabriella90

3431Anna wrote: »

I have just checked in with my justabank account and now Barclaycard hae accepted my payment offer i stil don't now if they will cancel interest or fees though

Hi Anna,

Thats good news Barclaycard didn't let me know they had accepted ,i just received my usual statement and they had frozen interest and charges fingers crossed tehy will do the same for you. Just keep an eye out for that statement.

Chin up x

mamajojo

candypop wrote: »

Hi everyone - not been online for a while now. Started DMP on 1st april and has been going smoothly even managing with budget especially this month as all birthdays, anniversary's are all in June. even have money aside for car service in July. But strange thing happened today got my cc statement for June from halifax who have deducted interest this month even though the last 2 statements showed estimated interest at £0. This statement even shows next month estimated interest at 0 so I really dont know what has happened. Are they no longer accepting my DMP. Minimum payment is DMP amount still though. Have emailed the CCCS to see if they know what has happened - has anyone know this happen. Was really thinking I was achieving reducing my debt but the amount outstanding has only gone down by £10 this month instead of £90.

Hi Candy
Sounds like you are doing really well, especially with your budget!
Think you might have to phone Halifax to see what has happened - esp as next month is showing zero interest, sounds like an error!!! Not happened to us yet....but shows we've to check those statements! This is the second time I've typed this - hope it works this time!!!

candypop

Hi I didnt hear from Barclaycard at all only my statements they accepted DMP but didnt freeze interest only reduced it to 3% which I suppose was better than nothing - hope it all goes well

candypop

mamajojo wrote: »

Hi Candy
Sounds like you are doing really well, especially with your budget!
Think you might have to phone Halifax to see what has happened - esp as next month is showing zero interest, sounds like an error!!! Not happened to us yet....but shows we've to check those statements! This is the second time I've typed this - hope it works this time!!!

Thanks I think I may have to build up the courage and ring them other wise I probably wont sleep worrying and today's my birthday too