DMP Mutual Support Thread - Part 7

Hopelessly_Hopeful

Loubylou2 wrote: »

That makes it a lot clearer. I just wondered about the CCJ ruling a higher amount but if that then becomes a priority debt that would still enable the DMP to continue.

Must stop asking all these questions. PDD told me off - rightly so -as I always anticipate the worst. Just wanted to have things clear in my mind.:)

Ask away Lou. PDD has the wisdom to know that fretting is wasted energy but some people relax know by being able to ask questions and being informed. Everyone's different.

Chillimonster wrote: »

Just had a letter from NPower saying they overcharged me by £8.75 in 2007.

Got a form to take to the Post Office and they will give me the cash!



Chilli

Now Chilli you go easy, will you be taking an escort? Seriously I wouldn't have bothered going to collect it a couple of years ago. Now I think oooooh £8.75! That's 2 curries if I make the rice, or 1 take away or a nice bottle of red or three pints on Friday night:beer:

HHx

Twit_Head

Hopelessly_Hopeful wrote: »

Now Chilli you go easy, will you be taking an escort? Seriously I wouldn't have bothered going to collect it a couple of years ago. Now I think oooooh £8.75! That's 2 curries if I make the rice, or 1 take away or a nice bottle of red or three pints on Friday night:beer:

HHx

Are we sad or enlightened??? Answers on a postcard please
I am feeling a warm glow of satisfaction. Have bought 3 decent Christmas presents today for teeny amounts of cash, usiing money for free (yea the Debenhams £5-00 one!)/discount vouchers/E-bay specials.
£8-75 is giant spending spree - go enjoy!!!
Have a good weekend everyone
Hope this message makes sense - I've pressed something on my keyboard to make the print go all haywire (or else I've had a glass of red too many!:o)

'Twitty'

inamess_man

hi everyone

as i am just starting my own dmp thought id post here as well as on the dedicated thread if thats ok

bit scared tbh is there a direct link for the contact details for all the creditors? any tips what to include in the first correspondence

getting sick of being called by creditors especially capital one late on a sat night

thanks for any help

ianmak

inamess_man wrote: »

hi everyone

as i am just starting my own dmp thought id post here as well as on the dedicated thread if thats ok

bit scared tbh is there a direct link for the contact details for all the creditors? any tips what to include in the first correspondence

getting sick of being called by creditors especially capital one late on a sat night

thanks for any help

Hi ya, so you're going it alone and not using one of the DMP companies? Any info can be found here: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=29_debt_management_plan

If you would like to get someone to manage it for you, then PayPlan https://www.payplan.com and CCCS https://www.cccs.co.uk are two freebies to use.

As for a direct link for creditor contacts - not as far as I'm aware. You should find contact details on the back of your statements?

Any other questions, please ask, someone's normally around to help out if we can.

jupster

Thanks for the encoragement Hoplesley Hopeful and nice one chilli monster!!!!!!!!!

Barclaycard are still adding interest despite my recent letter asking them to stop it am awaiting the rely from the others.

Anyone got any ideas of what i could do next? send another letter?

Hope you all have had a fab bonfire weekend. i went out fri night and even took my own alchol in my bag hows dat for budgeting lolxxxxx

inamess_man

thanks ianmak

i am doing it on my own as cccs wouldnt help due to my circumstances ..

will keep the thread updated with my progress or lack of!

inamess_man

sorry to trouble everybody with another question

just got my template letter sorted and budget plan all done, how do i work out who gets what in terms of payments to creditors?

is there a tool somewere online?

thanks a lot

Hopelessly_Hopeful

inamess_man wrote: »

sorry to trouble everybody with another question

just got my template letter sorted and budget plan all done, how do i work out who gets what in terms of payments to creditors?

is there a tool somewere online?

thanks a lot

It depends on the contract Ina. I am essentially paying 1/3 less than I was to most creditors. I couldn't work out what was happening originally as I sort out the formulae. Turned out it was because I had a bank loan so that particular one finishes in 10 months time and the others finish together in 3 years time. Even if you are not pursuing a DMP through them I'm sure CCCS will still help you work it out. Have you tried their anonymous debt remedy tool it will work it out online for you as I recall. Also don't forget there is nationaldebtline too.

Good luck with it.


HHx

inamess_man

thanks for your quick reply again

this maybe to simplistic but i have taken the overall debt and worked out a percentage of each creditor to that debt. Then taken the income i have available to creditors and divided that in percentages evenly

if that makes sense! does that sound along the right lines?

thanks

grantalien

Loubylou2 wrote: »

That makes it a lot clearer. I just wondered about the CCJ ruling a higher amount but if that then becomes a priority debt that would still enable the DMP to continue.

Must stop asking all these questions. PDD told me off - rightly so -as I always anticipate the worst. Just wanted to have things clear in my mind.:)

Always expect the worse! then the better outcome is a surprise yet you are prepared for the bad!