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

mamajojo

ljm23k wrote: »

Very big LOL!!!

I just had a man call at the door. I think he said he was doing a survey, but with my barking dogs, I can't be sure. I told him I had a husband in bed on night shift and that we homeschool, so could not talk to him. It was only after he left that I thought of doorstepping DCAs, talk about progress!!

Today we have made an origami dolphin and some stand up on their own bears...... (and maths, science, reading and creative writing of course, we started at 8am)

:T:T:TThat really does show how far you've come in the last few months!!!
Sounds like lots of fun in your house....and shortbread afterwards too, now thats just showing off!!!! But is it a good recipe - pass on if good please! The last one we followed wasn't the best!
We did cakes and cookies yesterday - only 14 cupcakes - all gone now!!!1 cookie left:(

ljm23k

true27 wrote: »

Did someone say cookies? Nom nom nom

Sorry true, all gone!:rotfl::rotfl:

ljm23k

mamajojo wrote: »

:T:T:TThat really does show how far you've come in the last few months!!!
Sounds like lots of fun in your house....and shortbread afterwards too, now thats just showing off!!!! But is it a good recipe - pass on if good please! The last one we followed wasn't the best!
We did cakes and cookies yesterday - only 14 cupcakes - all gone now!!!1 cookie left:(

I know, it was several minutes later before I even thought about DCAs!!

The shortbread was OK, just the basic flour, butter and sugar recipe. Thats actually about all we have left in the cupboards!:rotfl::rotfl:

3431Anna

So today when i have come in i had a letter from sainsbury bank about the interest rate on my cerdit card account saying they were putting it up from September, I' spoken to Pay plan and they said that my payment offer has been accepted and that this letter has come from a different department and that she will contact them to check what the interes rate is i certainly hope they are not intending to put up the interest rate, or I will never manage to pay the debt off

true27

3431Anna wrote: »

So today when i have come in i had a letter from sainsbury bank about the interest rate on my cerdit card account saying they were putting it up from September, I' spoken to Pay plan and they said that my payment offer has been accepted and that this letter has come from a different department and that she will contact them to check what the interes rate is i certainly hope they are not intending to put up the interest rate, or I will never manage to pay the debt off

Anna, don't panic - on here somewhere (I'll go look in a mo) there is a letter you can send to them rejecting the interest rate increase. I think you have to agree not to spend on the card anymore, which isn't a problem seeing as you're DMP-ing it anyway, so I'll pop off and find that article for you and post a link.

true27

http://www.moneysavingexpert.com/reclaim/credit-card-interest-rate-increases

there you go Anna, have a look at that babe x

true27

Actually wonder if that letter could help youwith BoS Prof Pat?

andyD_2

Afternoon all,

Good luck for tomorrow mamma, im sure you'll be fine, its great news about the job.

Awwww I missed cookies, I was at ballet class watching my little ballerina!, your home school sounds so cool ljm, it must be such hard work well done you for all the commitment you put in, dont think I could do it.

Weather horrible here looking out its like winter outside, quite stormy, although its always windy were I live......not so good for the hair do!

Spoke to barclaycard today on OH behalf had a bit of rant to him about phoning as I'd already spoke to them on Monday he just said o ok and hung up, but have had no more calls rest of day so at least thats an improvment from the hourly ones yesterday!

Have planned to sit down tomorrow and do new budget with DH new wage amount (or lack of wages), done all ironing etc so i have no distractions, am dreading it but needs to be done.

A big well done to everyone everything seems to be going quite well at the minute we are deffo a stronger bunch than before so a big:j:j:jto us all.

mikon

Hi everyone

Prof P P - Good news on the Shiti front was a bit downbeat when I read they had refused your offer i thought the same as you high interest rates etc, then I read that you phoned them and they told you it had been accepted for a short period so good news after all.

Well done.

Regards

mikon

Over recent posts I have read about DCA threatening to attend homes.

Well I have received this template from another thread which apparently works so I thought I would post it here for people to use incase you get a letter informing you that someone would be attending your home to collect the debt.

It might be worth copying and saving on your computer.

Template Letter - Doorstep Visit

Dear Sirs,

Account No: XXXXXXXX

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully

I think you will agree it is quite an impressive letter and it works.

Regards






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