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

mamajojo

andyD wrote: »

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.

Thanks Andy - had to route to the very depths of the wardrobe to find smart trou and top!
Hope the budgetting goes well tomorrow - you'll feel better when its done and you are not dreading it, anyway hope the numbers works ok for you.
Ahh little ballerina - dd stopped going when she was 4 she was bored but they look soooo cute! How old is your little ballerina?

mamajojo

Thanks for the letter Mikon
Copied and pasted and saved under cryptict file name incase of computer use by those who don't know! Pretty much everyone that is.

mamajojo

Ahh Thanks Ted .... need to go and get my head round talking like I know what I'm talking about!!!!

pure_dead_dopey

Go mama you will be fine, anyone who can stand to teach has got to be fine, I'd be up for murder!!! You will be lovely, and it will all come rushing back, trust me, its like riding a bike.

Keep us posted

PDDxxx

Professor_Pat_Pending

true27 wrote: »

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

Thanks for thinking of me, but after payplan rang them I got a statement from the first of my 3 cards showing no interest, awaiting the other two, if they are still adding then I will use it.
At the moment 6 out of 8 have confirmed frozen interest and charges, just waiting for the 2 from BoS. PP

candypop

Thanks to you all for my birthday messages. Feeling a bit down to be honest dont know if its because I'm another year older or because I'm starting to feel less confident about my DMP .... everything seemed to be going well and I hope it still is just with Halifax adding interest I just cant see a way out of my mess. The light at the end of the tunnel is fading at the moment. Also checked my statement folder and i havent had one from captial one since april so thats got me worrying. Sorry for this just well feel like back to square one.

true27 wrote: »

Happy Birthday for yesterday sugar plum!! Hope you enjoyed b-day drinky poos :beer:

true27

Evening all!

Mama - will be thinking of you tomorrow good luck!!!

Prof Pat - hopefully BoS will see sense before you ned to use it!

Mike - definitely a scare attempt, as if 30% a day isn't scary enough!!

PDD - we like hearing you rant, you don't have to talk to the walls lol!

Teddy - nicely done on half the report! May have to enlist your help on my sodding assignment, if only proof reading!

E2 - AWESOME reply!!! I love it and think CCCS should adopt that approach!!

:hello: Mikon, LJM, Natty, Gabs, FreshStart, Nanny and anyone I may have overlooked!

Natty - are you off driving again now you can lol!! Come back!!

Catch up tomorrow xxxx

true27

candypop wrote: »

Thanks to you all for my birthday messages. Feeling a bit down to be honest dont know if its because I'm another year older or because I'm starting to feel less confident about my DMP .... everything seemed to be going well and I hope it still is just with Halifax adding interest I just cant see a way out of my mess. The light at the end of the tunnel is fading at the moment. Also checked my statement folder and i havent had one from captial one since april so thats got me worrying. Sorry for this just well feel like back to square one.

:grouphug: honey xxx If it helps, I haven't had a statement from CrapOne for about 3 months, I know VicB also hasn't had one recently either, nothing to worry about anyway You're definitely not back to square one, your DMP is in place, all the creditors are getting what you can afford and you will get there!

candypop

Thanks True I know I dont come on this forum often but its good to know you and the others are here when needed. No one else knows my situation I havent told family or friends too ashamed and its just me and my DS anyway I'm sure I will feel better soon just at the moment I dont feel like its gonna work out for me.

BB7

Hello can someone tell me what is CCCS & payplan I have been all round this forum and have been given this link by a life saver from the diarys who has pointed me in this direction. Can someone help me with the following..? I am in the progess of a DMP is this the best option for me should i use a charity organisation or payment agency. I have been told that the C-Organisations work for the creditors. I have debts to HSBC for loan overdraft and credit card total of 14000 and another 6500 to capital one total depts 20500. I lost my job January 2009 and was receiving JSA until April 2010. I have not been able to find another job and have decided to go self employed. I am earning around 1100 a month with 240 left to pay debt's. I have sent a letter to all my creditor and a budget household sheet explaning my circumstances on the advice of citizen advice because dmp can't help me till i have been trading for 3 month's. I am terrified of what will happen next none of my family now about this i own my own home i am scared the creditors will take my home. Please can someone tell me if they can do this. I AM SORRY IF I HAVE PUT THIS ON SOMEONE ELSE'S THREAD IT'S MY FIRST TIME AM NOT SURE HOW TO USE THIS FORUM....