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

Hopelessly_Hopeful

Morning folks

Been bawling my eyes out at the marathon, life stories and charities always kills me! :A

Hope you are all doing ok. :j

I'm off for bargain breakfast and this time I will NOT be offering to pay for my mates, dutch is the future! Heading for my second Aldi shop, hopefully will be a little calmer now I sorta know the ropes about the checkout. Have to say I was VERY impressed with the taste of everything I bought last week, sceptical moi? Who knows we could have been millionnaires Rodney if we'd discovered it before:rotfl:

Catch you laters, HHx

pure_dead_dopey

true27 wrote: »

Aaahhh you've got it then!! I did wonder if I'd woken up in Scotland when I looked out the window this morning....:cool:

Nope its disappeared again, thought you might have had it again:D

Hopelessly_Hopeful

andyD wrote: »

Morning havent been on in a couple of days so have been catching up this morning.

Welcome mikon and well done for getting the ball rolling, i am pretty much at the same stage as you, have just changed my bank account and now plan to make contact with cccs, (dont knw why im delaying) suppose really im just s***scared!

Very interested in the token payments I thought you had to wait till you had actually started with cccs before sending these, I am really struggling this month to make my payments and am running about a week behind all due dates and i have had 3 phone calls this week could not believe how quick they contacted me honestly nothing is more that a week late so that has scared me a bit. have a big payment of £120 to make was going to send tomorrow but it does leave me with nothing for rest of week. Should I just send them a token payment then? and should i start sending all my creditors token payments even though I havent started cccs yet?

Sorry for long post! am going to clear out kids wardrobes to day and find lots of old clothes for ebay. Most of my baby equipment sold now through local free ads just a double buggy to go now and i put in a slide and climbing frame which they no longer need thats about all my big stuff then so hopefully will have enough to decorate my hall, I am quite proud of myself for funding this myself have never done that before it always been mr plastic fantastic hence the mess im in!

O dont think ive updated you all about the co-op yet but my paperwork and debit cards arrived on Friday:j so just the cheque books and pin numbers to come now, then the dreaded task of moving all the dds:eek:

Speak later guys and have a good Sunday.

Andy, glad you are a step closer sweetie. I just did all my CCCS online it was all accepted remotely. I have since spoken to them though, very helpful. Always good to show you are making the effort. Why don't you consider just sending them a letter saying you are in financial difficulties and are currently seeking advice from CCCS and that you will be back to update them of your situation in the next two weeks. Ask them to contact you in writting from now on. That should give you breathing space, the CCCS paperwork and reference number, notfication of DMP only takes a few days to come through. you can then send the update with token payments although you are of course free to send them now if you want to.

Hope that helps.

HHx

pure_dead_dopey

Aaah Hopelessly

I've been balling as well, I thought it was because I was getting old, I like to watch it but it all really upsets me for some reason, just goes to prove that there are lots of really good people out there, though I still think they are all as mad as hatters.................

true27

Hopelessly_Hopeful wrote: »

Morning folks

Been bawling my eyes out at the marathon, life stories and charities always kills me! :A

pure_dead_dopey wrote: »

Aaah Hopelessly

I've been balling as well, I thought it was because I was getting old, I like to watch it but it all really upsets me for some reason, just goes to prove that there are lots of really good people out there, though I still think they are all as mad as hatters.................

Aaaawww are what you two like!!

pure_dead_dopey

we are delicate, sensitive flowers of course!

Nanny25k

Morning All - Where has the sun gone - all we have is drizzle:(:(

Got some more bits to put on ebay - need to get some money back into the emergency fund, had to buy a new microwave and car needs servicing.:(:(

Best get moving and do something as got MIL for lunch!

Catch you later

A xx

true27

andyD wrote: »

Very interested in the token payments I thought you had to wait till you had actually started with cccs before sending these, I am really struggling this month to make my payments and am running about a week behind all due dates and i have had 3 phone calls this week could not believe how quick they contacted me honestly nothing is more that a week late so that has scared me a bit. have a big payment of £120 to make was going to send tomorrow but it does leave me with nothing for rest of week. Should I just send them a token payment then? and should i start sending all my creditors token payments even though I havent started cccs yet?

:hello: Hi Andy!

I'm self managing and I've been waiting until DH started his new job to officially start so thats why I've been sending tokens. If I were in your situation I wouldn't pay the £120, like Hopelessly says, send them a letter explaining and a postal order/cheque for £1. Do you have a start date from CCCS yet? I would imagine 1st June if you're just starting out - if thats the case, then I would definitely be sending tokens payments now and keeping any spare for your emergency fund. If you're worried give CCCS a bell and get their advice

HTH xx

true27

pure_dead_dopey wrote: »

Nope its disappeared again, thought you might have had it again:D

Apparently we "might" get it back this afternoon but then its off again tomorrow

true27

Very proud of the guys that are ebaying....must get off bum and do the same...