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

true27

pure_dead_dopey wrote: »

Off to the wild North for a couple of days working, so will catch up Wed night, take care all hope no one has any nasty encounters.

Hope they indjans don't get you !

true27

Morning everyone!

Off to write the letters that I was supposed to do yesterday and then work :cool: could be worse I suppose, I don't mind working so much now the sun has gone away!

Hope you all have a good day

VicB

pure_dead_dopey wrote: »

Good Afternoon All

You have all been busy to-day.
How did it go Ted with CCCS?
Vic did you ever get the HSBC loan sorted out?....

Hey PDD, haven't sorted yet, waiting for feedback from CCCS on paperwork I sent them. Will give them a nudge later this week if I haven't heard anything.

I've got about another week before HSBC start stalking me again!

VicB

tedsd wrote: »

hello! Can't stop, but.................starting my dmp 1st june if anyone wants to join me........:j:j:j

ted x

Hurrah! Great news Ted! :T:T:T

ljm23k

I just wanted to post a message for anyone in the earlier stages of setting up their DMP. I was just clearing out my bag and found endless mini-statements going back to November. All of them had tons of adding up and taking away and it brought me right back to the fear I had then that I was sinking fast. I will burn them tonight as that is firmly behind me. The DMP and CCCS have saved my sanity. I used to spend my mornings looking out for the postman and what bill he would bring that day that I couldn't pay. Now, because I have a clear budget, I don't even think about money that much. Of course it would be great if all my income was mine, but that is a possibility in the future. Without a DMP none of my income was mine and I'd rather have half than none at all.

true27

ljm23k wrote: »

I just wanted to post a message for anyone in the earlier stages of setting up their DMP. I was just clearing out my bag and found endless mini-statements going back to November. All of them had tons of adding up and taking away and it brought me right back to the fear I had then that I was sinking fast. I will burn them tonight as that is firmly behind me. The DMP and CCCS have saved my sanity. I used to spend my mornings looking out for the postman and what bill he would bring that day that I couldn't pay. Now, because I have a clear budget, I don't even think about money that much. Of course it would be great if all my income was mine, but that is a possibility in the future. Without a DMP none of my income was mine and I'd rather have half than none at all.

Hear Hear LJM - well said :beer:

true27

Very quiet in here today *chases the tumbleweeds out*

regret70

Hi

after months of getting myself in debt i have sunk deeper into depression and have now defaulted on 2 loans and an overdraft. i havent slept properly for ages and feel so sick.

i have contacted cccs this morning and agreed a DMP, have i done the right thing?

i was told to make token payments this month, i get paid tomorrow, and they will then set up the plan.

have i done right???

regret70

true27 wrote: »

used to spend my mornings looking out for the postman and what bill he would bring that day that I couldn't pay.

I dread my husband having a day off work and opening the post! i have tried every cunning way to get to the post first, even insisting on us going to the gym on a saturday morning so i can open the door first and grab the post on the way home. i guess reading it and writing it down makes you realise how desperate things have become. i am feeling more positive today and although my DMP hasnt been started yet at least i have made the right steps (fingers crossed!)

Nanny25k

regret70 wrote: »

Hi

after months of getting myself in debt i have sunk deeper into depression and have now defaulted on 2 loans and an overdraft. i havent slept properly for ages and feel so sick.

i have contacted cccs this morning and agreed a DMP, have i done the right thing?

i was told to make token payments this month, i get paid tomorrow, and they will then set up the plan.

have i done right???

Hi Regret - welcome to the thread:):)

You have done absolutely the right thing, back in January I was in the same boat, dreading the post, dreading the phone calls so would unplug the phone, worrying where I could find the money to just even buy the essentials.

We're with CCCS and they have been wonderful, is your O/D with the bank that you use? Did CCCS advise you to open a new basic bank account with a different bank - that way all that goes into it is yours.

One thing is for sure - you are not alone on here! This thread is wonderfully supportive, whether you want to laugh, cry or just vent your frustrations!!

Things will get better now - you have taken that giant first step, well done you, here's a dodgy hug:grouphug: