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

mamajojo

Sleep well PDD Sweet Dreams!!!

mamajojo

Hopelessly_Hopeful wrote: »

PDD, Welcome home, hope you feel suitably rested soon.

Blue you are making good progress!

Regret & Andy - Good news!

True - great news on fuel bills. Dodgy hugs for putting up with MIL

Jeddy - fingers crossed for HSBC

I've come home to a letter from M & S, agreeing to DMP with 0% interest for one year.

Then had 3 calls from text machines, non interactive saying my debt (oh yes ?which!!!!!!) has been passed on to debt collection agency who will be 'attending' my home. Gives me a number for Philips to call. Have googled it and apparently this number keeps you on for 30 minutes and charges you a small fortune. Not sure if creditors have to rell you if they have passed it on and who to? I would have gone to pieces just a week ago but have learnt so much of here I know it's unlikely they will come and what to do if they do. Worse thing is am dreading them calling if I have a pal here, damn. Any clues anyone?

HHx

I'm with PDD thinking they are just trying to frighten you with the talk of visiting you HH. I just wouldn't answer the door if you've someone there...say you're being plagued by gas and elec sales people?

mamajojo

tedsd wrote: »

Evening All, I'm back, I think! Guy came to fix the computer and made it worse for a while..

Will try to catch up on your posts asap. Hope you're all ok.

I'm feeling more confident now I've got my budget sorted and have even spoken to my creditors!!!!!!!!!!!!bar Carp One who can continue wasting their money on daily phone calls.

Just waiting for some up to date balances in writing and I'm off...

Looks like we won't starve and the kids won't have to wear jeans 5 inches above their ankles...

Welcome to the Newbies, PDD hope your work up north went well... True where are you up to with your DMP, did you sort it out??

A BIG thanks to you all for your support when I was carping it before I spoke to CCCS and the cheering me on when I announced my DMP date...:j
really appreciated it :T

:T:T:TFab News Ted!:T:T:T
About the DMP, the budget being good and the computer working again eventually, you must feel so good knowing its all getting going after the token tango!
You'll be missing the calls from the creditors before you know it!

mamajojo

andyD wrote: »

Well thats it I've finally done it i've submited my online form to go on a DMP:j

I feel like doing a wee jig:rotfl::rotfl:

Have all my letters printed off to send token payments i will get them off in tomorrows post and will phone tax credits and child benefit to change account details (does anyone know can child benefit be paid weekly)? Then its just the dreaded moving of the DD's.

And a big thankyou to all of you :T you really have been amazing I dont think I could of went through with it without all the help, advice and reassurance you have given me, i know there will be alot more ups and downs to come and i will needs you all alot more to help and reassure me, but :beer: for helping me to this first step.

Great News Andy:j

mamajojo

regret70 wrote: »

well i filled in my online form with cccs yesterday and have today rung all my creditors and made token payments. it all seemed a bit easy today and the creditors seemed to be quite accepting of my payments (apart from natwest!!) but we will see once cccs get involved.

feel very nervous now about the whole thing!

Well done Regret - it'll get easier and soon it'll feel a hundred times better than before you started dealing with your debt. Don't feel nervous yu are doing fab!

mamajojo

bluesnapper wrote: »

OKAAAY, so I boshed out letters to my 4 creditors today, having spoken to all of them - for all the good that does.

I told them that a DMP via CCCS on my behalf was coming their way , and as I was due to make a payment in the next 10 days, here's a reduced pro-rata cheque, in line with the offer that will be in the DMP.

Just waiting for the paperwork from CCCS now, and then presumably a few rucks with creditors along the way.

THANKS SO MUCH for the support you lot, it really helps to share with people who 'get it'. Mrs Snapper is on board but can't stand to talk about it , and I have been able to confide in friends and family (yet?), it all feels like such a screw-up !

Loving the in jokes and jargon now, Mrs Snapper wanted to rename out house - while we still live in it - as "$h1t creek". So I guess a paddle is in order.

Waitress, I 'll have the paddle please!

Next priorities: cut costs, earn more, re-fuel pigs with aviation gas.....

BS Out

Maybe we could have some house signs made up, personalised with our paddle numbers....go down a storm on ebay.....now how would we list them.....and would we have to have an image too?????

You're storming ahead with all this Bluesnapper! The only thing that would be a screw up would be not dealing with it!

mamajojo

true27 wrote: »

:dance: I've paid something off!!! :dance: Gas and electricity arrears are gone, gone, gone!! Woop woop!! :dance: :j :dance:

Yaay True!:T:T:T:T
:beer:Did you take something with you to celebrate the final token postal order experience?

:eek::eek::eek:Ex MIL, Difficult one there, don't envy you that decision, would Jack want to go with them if he was asked? I'd let him decide!

Those puppies sound so cute.....we'd love a pet, especially dd who really wants a kitten but is aiming for a hamster, just terrified of the vets bills that go with them! Poor dd keep telling her we have two small animals already - the Boys:rotfl::rotfl:

mamajojo

VicB wrote: »

Morning guys, hope you all had a good weekend.

Just playing catch-up - Teds good luck with CCCS, they're really quite wonderful and will definitely put any worries to rest. Let us know how you get on :grouphug:

No news from me, just a red arrears letter from Next, which I'm assuming is computer generated as they've agreed to CCCS plan....I hope so anyway! :eek:

Spend Saturday at a friends wedding....nothing feels better than being one of the lonely females waiting to catch the bouquet *sigh*...

....fingers crossed if we move (rent) in Aug a shiny diamond ring may follow soon after

I'm onto my second red arrears communication from next - makes no sense although they have refunded some charges- they've re sent the letter asking me to sign agreeing to a reduced payment plan and a credit agreement:eek:cccs said not to sign so i'm guessing that's still the same!

Ooooh shiny diamond shopping!

mamajojo

Hope I've not missed anyone out! Have to go as Dh is hovering like darth vader over my shoulder?! Will be better paddler tomorrow!

mikon

Hi everyone

http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

Here is an interesting link. The previous link I posted did not work. Have a read of this it is very interesting and gives you an insight into how banks & cc companies should deal with their customers.

The link below shows the financial organisations that have committed to following the above code.

http://www.lendingstandardsboard.org.uk/subscriberlist.php

I hope this helps people and re assures people that the banks cannot hassle you they must abide by certain standards.

Good Luck to all particular the new starters like myself.