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

milothewestie

good luck with your dmp,i had to declare bankruptcy havent looked back since i did it so if you cant manage you could consider this but hats off to ya and best wishes hope it works out for you

newbeginning_2

Hopelessly_Hopeful wrote: »

I'd write again. Make it clear what all the dates are and that you are very concerned at their lack of communication. Ask then to respond to you within 10 working days. Then pass it on. Are you sending them recorded delivery? Worth a thought.

HHx

Thanks for that. I'll be putting pen to paper (so to speak) tomorrow and start harassing them.

Is saying 10 days reasonable now do you think?

Am hoping the threat of the ombudsman will be enough to make them pull their fingers out.

Professor_Pat_Pending

sazzledazzle wrote: »

Well after several non starters of trying to sort out the debt and months of pretending to the OH that things are fine whilst trying to keep us above water my OH has seen what is going on and said enough is enough. So I have run the OH a bath for when he gets in, prepared a home made lasagna, found the last bottle of wine and plan to sit down together tonight and write a proper list of what we owe, what the rates are etc. I am then going to call CCCS tomorrow and give them all the official figures (we tried to do one a couple of months ago but was 100% sure what we had to pay.) Hopefully then we can get the plan underway and get ourselves back on track. We are also going to write a plan of action for my business that I set up last October and see if it really will pay in the long term or whether its time to pack it away and go back to employed work.
I have my concerns about going on a DMP and am hoping it helps rather than hinders our future. Wish me Luck!!

Sounds v similar to me 18 months ago, I was in denial for several years, then my LBM came when Virgin MBNA put one card up to 34.9% :eek:
That was it, been on the DMP a year now and paid off over 20%, best thing ever!!
As others will say the first few months are the toughest but after that the majority freeze interest and things calm down, it is difficult sometimes living to a tight budget but with a DMP you have an ending in sight. Good luck to you. PP

PS. Originals from early 2010, does Nataz ever post now? (She started the thread back then).

chocolates

eyeopener2 wrote: »

Hi Choco!

Sorry to see your having a tough time. Maybe its also time to be tough on others and say no where birthdays/christmas/presents are concerned. It's very hard, I know, but you've probably got a long way to on this DMP thing so maybe you start looking after yourself, be a bit selfish and make your DMP life a bit easier on yourself. If you don't you really will struggle and make yourself ill.

Was the dentist budgeted for with CCCS? if it wasn't get it on there with a review. In fact, have another look at your whole budget and see if its realistic.

I know its horrible all this but you will be through it one day, its that thought that keeps me sane (and my golden OH).


One day we will be debt free.

E2

Thankyou all,erm well my dentist is built into my budget but i never put the money aside each month! I'm going to call them and look at my budget again because i'm struggling! Some weeks im fine but then others i just get really fed up! I'm going to start coming on here more often and get some inspiration!

Mephista

sazzledazzle wrote: »

Thanks Hopelessly Helpful, I think we will have to go with the plan though as many of the accounts have got to the point of desperate, and many arent responding to me when i try to set up plans myself with them.

Welcome to our humble abode Sazzle. You will love it here because there is always someone much worse off than yourself who is willing to share their experiences to make your life much less miserable. The guys here are wonderful and if nothing else, will make you feel completely supported and armed with the benefit of intelligent advice from the experienced!

Hopelessly_Hopeful

Newsflash Aldi have tomato plugs 6 for £1.99 and a growbag for £1.29. Thought I'd give it a go. Anyone else going to bother?

Also a question please - does anyone know if a notice of arrears is the same as a default notice?

Hope everyone has a good day

HHx

Professor_Pat_Pending

Just got off the phone to Opus (were CITI), they have accepted £600 as a F and F for £2.6k, good grief, incredible, etc, etc.
Thats 23%!!!!
So they accepted 23% and MBNA accepted 38%. So have gone from £56k last April to less than £40k now, hope for us all here?? :beer:

Hopelessly_Hopeful

Brill news, pleased for you! Way to go.

HHx

Mephista

Professor_Pat_Pending wrote: »

Just got off the phone to Opus (were CITI), they have accepted £600 as a F and F for £2.6k, good grief, incredible, etc, etc.
Thats 23%!!!!
So they accepted 23% and MBNA accepted 38%. So have gone from £56k last April to less than £40k now, hope for us all here?? :beer:

Goodness you've made my day!!:D If anything could in these last horrible weeks - it was you! My mum and dad may be willing to help if they thought that that kind of loan would make such of a difference to what I owe - which by the way they are still completely unaware of the figure.

I'm quite proud of the fact that I started this in October 2010 and so far I've paid off just over £1000 (6 mths). Every little counts.

sazzledazzle

Thank you for all the words of encouragement. Well last night we worked out all what the other half owes ( some of which we ran up together) and I have almost finished my own list. Even though it was scary:eek: it wasnt as bad as we thought it was. OH debts come to about £12kish and with mine i think we are going to hit about the £24k mark. However looking at them some are already on payment plans with people lile Lowell and there is only really four companies that we are in problem areas with. I am going to type out letters from the OH saying that he is happy for me to discuss his account so I can take the calls etc and write to them with our own DMP and see if they will take it before we do it officially with CCCS.
Also shock of shocks had a call from Barclays who were quite nice and said did I know I was over my overdraft by £109. Said yes and not alot I can do about it at the mo, he has refunded my charges for this month that are about to hit the account, increased the overdraft to cover the interest about to go and set up an intial 2 months payment scheme which has made me feel much better. Why cant everyone be that helpful it would make trying to help yourself much easier.