DMP Mutual Support Thread - Part 7

the_tooth_fairy

Chillimonster wrote: »

And...................... JustABanks' secret is........................




Chilli

:-)

Bah Humbug!!!
What would we need with that when we have our own merry band!!:j

ttfx

Twit_Head

tired_mum wrote: »

Morning all
Well we are off to the bank to set up our new account and next week i will be sending letters and £1 payment to our creditors on monday hopefully as the kids should be back at school:j
already had calls but have just given themour CCCS no
will be back on mon for some more help n support
Have a good day

I'm off topic as usual (slap my wrist ian ) Well done you for getting your head round all the financial stuff but even better for your footnote ' Last cigarette 19/03/2010'
Brilliant! I smoked for years (as lots of us in the 'Health' Service did not so long ago .) Hardest thing ever to give up, but just look at all that money you're saving!!! You've got a clean, healthy pair of lungs and a clean, healthy future in front of you. :j

'Twitty'

Twit_Head

the_tooth_fairy wrote: »

Bah Humbug!!!
What would we need with that when we have our own merry band!!:j

ttfx

Hiya TF!
Would the 'merry band' be Santa's grotty grotto? Those of us who won't be buying i-Pads, Wii's or 4 wheel drive BMWs as Christmas presents? (Put it on the plastic!!! )
But our own very exclusive cash-only clan who spend the little we have, or try make something special to share with our loved ones at this special time? :heart2:
I've got a glass of sherry (:o) so declaring an early Christmas here in the frozen North!
:xmastree:

'Twitty'

Ellieseleven

My OH has continued to receive phonecalls all over the weekend from Mercers so..... we have bitten the bullet and phoned them back:eek: OH gave me authority to speak to them and it has paid off! I explained everything to them re: CCCS, letters etc. etc. and I went through our I&E with them. They have now agreed to stop ringing and writing and will accept our reduced payments:)

I am so happy and I owe it all to you lovely people, without your support I would not have been able to make this call and I wouldn't have had the knowledge to deal with them.

A BIG BIG THANK YOU FOR ALL YOUR HELP:T

Ellie xx

Loubylou2

Twit_Head wrote: »

Hiya TF!
Would the 'merry band' be Santa's grotty grotto? Those of us who won't be buying i-Pads, Wii's or 4 wheel drive BMWs as Christmas presents? (Put it on the plastic!!! )
But our own very exclusive cash-only clan who spend the little we have, or try make something special to share with our loved ones at this special time? :heart2:
I've got a glass of sherry (:o) so declaring an early Christmas here in the frozen North!
:xmastree:

'Twitty'

Just cleaning the house ready for the decs and I had a 'moment' when I realised that everything I buy will be paid for this Christmas and its a great feeling. Proud to be one of the 'merry band'.

Ellie well done with Mercers. What a result.
Had a funny moment on Friday when Triton rang - but in person this time. They asked for me then backtracked apologising really politely as they had 'already spoken to me and were' sorry for bothering me'.
Thought i'd stepped into another dimension. Automated calls have stopped too. (well for the moment)
Justabank is now showing that Nat West (Triton) have 'accepted' the DMP on the OD which is great news but still no news at all on the large loan.
I'm not going to go on about it again though as PDD will tell me off again. (too right):o

newbeg

I've been reading a lot of posts on here over the last couple of weeks, and am amazed at just how inconsist creditors treat different people going in to a DMP. Sometimes you see the CC people stop charging the interest straight away for some but with others flatly refuse.
Does anybody who has been at this for a long time know why this can be the case??? I'm worried, we have 4 separate CC but with two creditors MBNA and Barclaycard, on here people dicuss their experiences with both but these dont appear to make consistent decisions about freezing interest, charges etc.
Anyone have any ideas, I'd love to hear them, getting pretty freaked out now:eek:

Ellieseleven

Totally agree with you newbeg. There is no rhyme or reason as to how creditors deal with everyone. Both my OH and myself had Barclaycards, they stopped the interest straightaway on mine but with my OH they have been merciless and continued to apply interest and chase us for the debt.

In the end I have spoken to them (see earlier posts) and they have now agreed to freeze the interest and stop interest.

Ellie xx

newbeg

Ellieseleven wrote: »

Totally agree with you newbeg. There is no rhyme or reason as to how creditors deal with everyone. Both my OH and myself had Barclaycards, they stopped the interest straightaway on mine but with my OH they have been merciless and continued to apply interest and chase us for the debt.

In the end I have spoken to them (see earlier posts) and they have now agreed to freeze the interest and stop interest.

Ellie xx

I find it just totally bizarre, I really do. Really glad to hear you managed to sort out Barclaycard, a real weight off your mind I bet :T
I'll keep you all posted with how our creditors deal with us, just hope we have some of the luck people have had on here, would take a weight from my mind

ianmak

newbeg wrote: »

I find it just totally bizarre, I really do. Really glad to hear you managed to sort out Barclaycard, a real weight off your mind I bet :T
I'll keep you all posted with how our creditors deal with us, just hope we have some of the luck people have had on here, would take a weight from my mind

I really do believe that communication makes a difference. I also believe your debt free date makes a difference. That is to say, perhaps someone with a 10 year dfd, maybe more likely to have their interest stopped, than someone with a 5 year dfd.

But, perhaps I'm clutching at straws here!

mom23

Morning.
I am sick to death of the bloomin phone ringing (same numbers) and am not sure wether it is preditors or not, i have stored my phone book with names and numbers of family friends etc so if i don't recognise the number i don't answer but could be missing an important one
Is there anyway i can find out the phone numbers of these preditors who might call ?
Cap one
Barclaycard
Partnership card
Lloyds tsb credit cards
Next

Am fed up shouting to the kids "Ignore it" lol
I really don't feel ready to speak to them on the phone yet.

TIA