DMP Mutual Support Thread - Part 7

mikon

losingbigtime wrote: »

I have been on a DMP with CCCS which I have been managing (just) since April 2010. Anyway, my boiler broke in December and we had no water or heating for over a week, I had to have the whole thing replaced or have no water or heating at all for my famikly which in the middle of the snow and freezing temperatures we had was unbearable, especially for my children. I had nobody to borrow money from and no emergency fund whatsoever, so ( *gets ready for criticism here* ) I borrowed from Wonga. I borrowed £500 to get the boiler fixed and thought I would be okay next month but I wasnt, I had to roll it over again in January and I am supposed to be paying it back on the 13th february but I will not have enough money to do this or I wont be able to pay the mortgatge (I am already 2 months in arrears with the mortgage) :_(

I dont know what to do, can I roll it over a third time? ( I know this wil incur more interest but I am desparate) or can I add it to my DMP? I know this is against the rules of a DMP (ie taking on more credit) but this was a desparate situation and I had no other option, will CCCS stop the DMP if I tell them I got a payday loan? IM not here to be judged, I know i was stupid but I didnt know what else to do. I am scared to ring CCCS in case they cancel my DMP but |I am also not prepared to pay WOnga instead of the mortgage as I could potentially lose my home here. I have cancelled the debit card (told the bank I lost it) and I have a new debit card as I understand this is how WOnga take their money, with the card and not the account details (?).

Will Wonga agree to a payment plan if I contact them to explain? I simply cannot pay this at all, when I have paid the mortgage I have £68 for the whole month to live on, and thats for food, transport to school for the kids and everything. I have no friends or family at all who can help me.

SHould I contact CCCS or should I contact Wonga BEFORE the payment is due to see if they will agree to let me pay a certain amount per month to clear the debt?

:mad:I know this is foolish but ..............any advice would be greatly appreciated. Thankyou I am so scared....

Losingbigtime.

Stop panicking there is always a solution maybe not the one that you initially want to take. One thing for certain is that I am not going to judge you or pass judgement on you as you did what you did for your family.

You need to contact CCCS tomorrow morning first thing. Explain the situation to them and you need to discuss the problem with them. If the cancel your DMP then so be it. I do not know what they will do but I do know you need to address the problem and face up to it. You also need to stop borrowing money from high street loan companies.

The one thing you need to continue doing is paying your mortgage. Remember you have to keep a roof over your childrens head.

If you need anyone in the future to talk to or want advice come on here I check things daily so i will be only to happy to chat and advise you. Do bear in mind that i am not an expert but i will listen to you.

Stay calm and strong things will work out for you.

Good luck and ring CCCS tomorrow. Let me know what they say tomorrow evening ok.

Mikon

antk4

how long does it take for dmp to be set up once all statements have been sent. Am I going to have to wait for March now? Thanks

mikon

antk4 wrote: »

how long does it take for dmp to be set up once all statements have been sent. Am I going to have to wait for March now? Thanks

Antk4

I sent mine in May 2010 and started in June 2010, however for the months of April and May I made token payments of £1 to all 11 of my creditors. I also contacted all my creditors informing them that i was going onto a DMP with CCCS. I wrote to creditors again once I received my DMP No.

Hope this helps.

Mikon

antk4

Thanks Mikon. have sent letters informing creditors that I am going on dmp with cccs. Got first phonecall yesterday from M and S. Don't mind being phoned at home but don't want to be harassed at work. Really hope I'm doing the right thing.

cuppatea_2

On the positive - my first DMP payment came out today - 1 down, lots more to go.

On the negative - my second job cocked up and paid my wages into my old bank account, not my new one - I did get an 'oops, we're sorry but nowt we can do' from them, erm thanks!

Oh well it's going to be a much leaner month than I thought......at least February's short!

losingbigtime

kljross75 wrote: »

LBT...wonder if it would be possible for you to not pay your DMP this month and explain that you've had to do this repair..then that way you could pay back Wonga? Good luck

There would be no point - I only pay CCCS £100 per month on the DMP and it has already been paid (today, the 1st). I will owe WOnga about £750 by the time it comes to the promise date. as I have rolled it over twice and the interest is just unmanagable.

losingbigtime

@ MIkon - thankyou - I know I have been stupid but its so nice to have someone who wilol listen. I am going to see if there are any replies on here then I will contact CCCS maybe by email at first just to ease yself into it - I have major phone phobia and hate talking on the phone, even to people I know so something like this will make me physically sick. thanks x

mikon

losingbigtime wrote: »

@ MIkon - thankyou - I know I have been stupid but its so nice to have someone who wilol listen. I am going to see if there are any replies on here then I will contact CCCS maybe by email at first just to ease yself into it - I have major phone phobia and hate talking on the phone, even to people I know so something like this will make me physically sick. thanks x

losingbigtime

No problem i am always here.

Mikon

suze72

losingbigtime wrote: »

I dont know what to do, can I roll it over a third time? ( I know this wil incur more interest but I am desparate) or can I add it to my DMP? I know this is against the rules of a DMP (ie taking on more credit) but this was a desparate situation and I had no other option, will CCCS stop the DMP if I tell them I got a payday loan? IM not here to be judged, I know i was stupid but I didnt know what else to do. I am scared to ring CCCS in case they cancel my DMP but |I am also not prepared to pay WOnga instead of the mortgage as I could potentially lose my home here. I have cancelled the debit card (told the bank I lost it) and I have a new debit card as I understand this is how WOnga take their money, with the card and not the account details (?).

SHould I contact CCCS or should I contact Wonga BEFORE the payment is due to see if they will agree to let me pay a certain amount per month to clear the debt?

Hi Losingbigtime

As others have already said, I would phone CCCS as soon as you can. In my experience they are actually very understanding even when you have been a bit naughty - my OH and I were originally on a joint DMP but in the end OH could no longer stand the pressure and scare tactics that one of his creditors was putting on him so he decided to declare bankruptcy without consulting CCCS till after he'd made his court date. We thought they would be really cross but actually were really helpful throughout the whole process.
What I'm trying to say is please don't be scared about phoning them they are on the whole very easy to talk to.

Good luck and as Mikon said, remember to keep checking in on here for advice and a bit of moral support.

Sue

suze72

Evening all

I'm a bit gutted. Just checked my bank account and council tax has gone out - according to the council website the DDs run from April to January so I don't know why this has happened :cool:

I was hoping to use the money to put towards an emergency fund

Hope you are all keeping well

Sue.x.