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

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  • ljm23k
    ljm23k Posts: 360 Forumite
    candypop wrote: »
    Ive just posted them same BCard are charging me 3% as well. Do the extra interest mean they wont received the full agreed amount from you. Sorry not sure if you are going it alone or with CCCS/Payplan.

    Hi candypop, I'm with CCCS. They will be getting the same amount as agreed by CCCS but will be adding interest each month to the balance. :mad:
    Paddle no. 12
    DMP start 1st April
    Debt at LBM £23,000
  • mamajojo
    mamajojo Posts: 630 Forumite
    Hello Hello Hellooooooooooo:wave: Been missing in action (- bad bad children, well 2 out of 3 have been beyond belief....so bad I couldn't ignore them, I mean set up some independent play activities and come on the computer!)for a few days.....and 10 pages to catch up on:eek:won't even be able to do that now as ds the smaller won't settle:(
    So sending well dodgy hugs to all:grouphug:
    Reached NSD target this month:Dbut only because messed the budget up and only got a smidge left till pay day on thursday:eek::eek:No emegency fund after all the car faffing around and easter holidays...not that we did much. But at least the little there is is real money!

    Emergency fund - top priority! Remind me!
    DMP mutual support thread member 371
    LBM Jan 2010
    DMP Paddle No 2
  • mikon wrote: »
    We've had ups and downs but it was definitely the right decision.

    What were your ups and downs if you don't mind me asking as it the dreaded phone calls?

    MBNA rang and rang and rang some more at first but they've calmed down and accepted the DMP :T
    Hubby had a few phone calls AT WORK from Crap1 :eek: (there is a letter you can send to say only contact by letter though if this happens). They have also backed off now :)
    The other 'down' was a letter from Santander which was a bit scary :eek: but I phoned CCCS who were very helpful and reassuring and basically the letter was a scare tactic - it worked :rotfl:
    Debt = HUGE!:eek: LBM March 2010:idea:
    DMP starting May 2010:j
    We are now proud to be dealing with our debt!!
  • Evening All

    Well done Mikon, knew you would feel better if you got it sorted.

    Wonder if Barclaycard are changing their minds about DMPs, mine and the OH's are at 0%, 3% isn't too bad, BofS and Lloyds are charging us 6%, got to be better than what we were paying previously thast is for sure.

    Skinflinto they do good cakes there, I was just walking through and all these boxes just leapt into my arms, honest!
    We love Iceland but guess what...got there and it was closed!! Could have sworn they were open until 8 on a Fri. No cakes for me :(....ahh, well, I could do with losing a few lbs :rotfl:
    Debt = HUGE!:eek: LBM March 2010:idea:
    DMP starting May 2010:j
    We are now proud to be dealing with our debt!!
  • mikon
    mikon Posts: 638 Forumite
    What is NSD ????
    Mikon Riding the DMP Rollercoaster full of ups and downs but i will get to the end. :T
    LBM April 2010. DMP Start June 2010 - 11% of debt paid at June 11 to 11 creditors
    DFD In the Far Far Distant Future.
    :j
    DMP Mutual Support Thread No: 410 / DMP Without a Paddle No: 30
  • mikon wrote: »
    We've had ups and downs but it was definitely the right decision.

    What were your ups and downs if you don't mind me asking as it the dreaded phone calls?

    MBNA rang a lot, but were ok in the main. Apart from different depts not communicating with one another.
    EGG no contact at all.
    BoS advised me to contact Payplan and go on a DMP so obviously they were cool.
    CITI rang once and were lovely.
    LBM Jan 2010. DFD 2016. :think:
    Paddle No. 5.
    Debt at DMP start (May 1st '10) £54.9k, as of 1st Oct '11 £33.2k. 40% cleared.
    (3 F & Fs down, 5 to go!) :T
  • No spend day.
    LBM Jan 2010. DFD 2016. :think:
    Paddle No. 5.
    Debt at DMP start (May 1st '10) £54.9k, as of 1st Oct '11 £33.2k. 40% cleared.
    (3 F & Fs down, 5 to go!) :T
  • newbeginning_2
    newbeginning_2 Posts: 1,094 Forumite
    Eerily quiet round here today.....

    NSD - No Spend Day
  • newbeginning_2
    newbeginning_2 Posts: 1,094 Forumite
    Didn't see you there PPP!!!
  • ;) Great minds..............
    LBM Jan 2010. DFD 2016. :think:
    Paddle No. 5.
    Debt at DMP start (May 1st '10) £54.9k, as of 1st Oct '11 £33.2k. 40% cleared.
    (3 F & Fs down, 5 to go!) :T
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