DMP Mutual Support Thread - Part 7

toots1607

Thanks everyone for that. I was having a bad day. I am on dmp plan for at least the forseeable future as the debt since Aug has not gone down I dont know if it is me ! car gone wrong asking mum for help again and to top it all cut my finger on knife! But on the upside I found out that it is "Blue Monday" so should be feeling better tomorrow. (Hope So)

Thanks again, looking through these pages I dont feel that I am alone in my Big Debt problem there is some really good advice.

I have today also placed some items on ebay for selling hopefully I can send that money direct to CCCS to reduce my debt. I have got myself a tin which I put money in each day to raise some cash.

the_tooth_fairy

toots1607 wrote: »

Thanks everyone for that. I was having a bad day. I am on dmp plan for at least the forseeable future as the debt since Aug has not gone down I dont know if it is me ! car gone wrong asking mum for help again and to top it all cut my finger on knife! But on the upside I found out that it is "Blue Monday" so should be feeling better tomorrow. (Hope So)

Thanks again, looking through these pages I dont feel that I am alone in my Big Debt problem there is some really good advice.

I have today also placed some items on ebay for selling hopefully I can send that money direct to CCCS to reduce my debt. I have got myself a tin which I put money in each day to raise some cash.

Yes. Toots, everyone on here is so good when you are having a minging day!! They all understand that awful feeling that swamps you sometimes. Well done for turning it round and being positive (What's the alternative?!!) and good luck with EBay.:)

ttf

secretshopper75

I'm also on a downer, my cat has injured her leg and we need to take her to the vets..hopefully this won't cost too much but what if it does? We've no savings since we only started the DMP last November..

SarahNeedle1872

Went to my redetermination hearing this morning, and it was absolutely fine! OH came with me (as soon as I said 'court' he cacked his pants!) and thought I'd be in front of judge and jury, swearing to tell the truth, the whole truth etc etc.
My payment for MBNA has been upped by the judge from £16something to £20, which is fine, and I will have to go back in Sept to have it reviewed, as I told them that DS starts full time school in Sept, so childcare costs will drop, and I will be able to increase my payment. I also pointed out that the initial recommendation from the CCCS was to go bankrupt, rather than the 18 year DMP that I'm on

Just need to call CCCS in the morning to let them know, then wait to see who's next! Egg and First Direct have been fine, todays judgement was for my Virgin card, and I suspect the BT card (also MBNA) will go the same way....

Sx

scouselad1974

Twitty I haven't been around for a while, but I'm really sorry to hear about your Mum, I hope that the happy memories you have help you to get through the coming months.

toots1607

kljross75 wrote: »

I'm also on a downer, my cat has injured her leg and we need to take her to the vets..hopefully this won't cost too much but what if it does? We've no savings since we only started the DMP last November..

Im sure it this "Blue Monday" im starting to feel a little better. Hope its not to expensive .

mozzyc

To all of those with Payplan

Just to let you know, we have got to the end of our plan, and the fact that Payplan might be able to get excess charges etc written off, hasn't happened, on any of our 10 creditors. I've asked them to confirm to me that this has definitely been done, but so far, i've been told that Terms do this, but nothing is guaranteed.
Just wanted to let you know, as I know this has been a topic a few times.

ianmak

mozzyc wrote: »

To all of those with Payplan

Just to let you know, we have got to the end of our plan, and the fact that Payplan might be able to get excess charges etc written off, hasn't happened, on any of our 10 creditors. I've asked them to confirm to me that this has definitely been done, but so far, i've been told that Terms do this, but nothing is guaranteed.
Just wanted to let you know, as I know this has been a topic a few times.

Well we can only hope!

Just out of curiosity, how many extra months do you think you'll have to pay?

ianmak

We welcome another member into our fold...

toots1607 No. 403

The full list can be found on page 17 of this thread.

Toots, please continue to contribute!

mozzyc

ianmak wrote: »

Well we can only hope!

Just out of curiosity, how many extra months do you think you'll have to pay?

Hey Ian

It's another 14 months, but that's mainly due to Lloyds TSB and all the problems i had with added charges on that one. But overall, 14 months longer than what was originally planned. Only 2/10 have finished on time.