DMP Mutual Support Thread - Part 7

darwins_mum

the_tooth_fairy wrote: »

Morning, my advice would be to call CCCS and talk to them about you situation. Open communication seems to be the key factor in all my dealings with creditors and Payplan. They may even be able to put your mind at rest, after all you can't pay what you haven't got, and you are being straight forward about how things are.
Good Luck, let us know how you get on!
ttf

Thanks, I will ring them this week.
I think I just let everything get a bit bigger than broadway during the night after realising that I have £20 to last until payday with no petrol in the car, train fare needed for DS to get to school and very little in for packed lunches. Feeling a little jaded, faded and tired of living hand to mouth with no improvement in sight. Ah well, the sun may shine today.

ianmak

Welcome back DM. We're all here to support each other.

darwins_mum 414

darwins_mum

ianmak wrote: »

Welcome back DM. We're all here to support each other.

darwins_mum 414

Thanks Ianmak,
I Had a bit of a wobble, but back on the horse now.
Enjoy your day

Pink-Angel

debtmountainclimber wrote: »

Hi this is my first forum post as i'm in financial difficulty and have been advised by national debtline that a dmp is my best way forward (I've been trying to get a loan to consolodate some cc debts where the interest is rediculous but apparently i have too much on credit for me to be offered new credit or so one lender told me), i'm also holding down a full time job while studying part time with an aim to getting a better paid job to help with my problems its distance learning but aiming to finish it by september although there;s no guarantee of a job at the end of it. i've always kept up my repayments and at the moment mt credit rating is really good, however i'm aware this will change if I go into a DMP so i am wanting to here from some of u who are in dmps about the pros and cons of them i've been reluctant to enter into one as i've been scraping by for the last 2 years as me and my gf wish to buy a house together but because of mortgage restrictions weve been stuck for the last 2 years both living in our own houses and seeing each other when we can made more difficult living 20 miles apart and my gf working shifts but were still very much together but i would like to here if anyone has been through trying to get a mortgage while having a dmp? I understand there are people in far more difficulty than me but i really need some advice Thanks.

Hi there, welcome to the forum. You will find a lot of support on here.

I've just started a DMP. I had never missed a payment, but it was getting to the point where I wasn't making any inroads with my debts, and they were increasing each month because I ended up living on credit.

I can sympathise with the mortage sitaution. I currently rent and I'm realistic about the fact that my DMP will have an impact on my credit reference file. Only you can decide what is best for you, but for me sorting out my debts is my main priority. Starting a DMP is the best thing I ever did - I only wish I had started sooner.

All the best to you.

Hopelessly_Hopeful

debtmountainclimber wrote: »

Hi this is my first forum post as i'm in financial difficulty and have been advised by national debtline that a dmp is my best way forward (I've been trying to get a loan to consolodate some cc debts where the interest is rediculous but apparently i have too much on credit for me to be offered new credit or so one lender told me), i'm also holding down a full time job while studying part time with an aim to getting a better paid job to help with my problems its distance learning but aiming to finish it by september although there;s no guarantee of a job at the end of it. i've always kept up my repayments and at the moment mt credit rating is really good, however i'm aware this will change if I go into a DMP so i am wanting to here from some of u who are in dmps about the pros and cons of them i've been reluctant to enter into one as i've been scraping by for the last 2 years as me and my gf wish to buy a house together but because of mortgage restrictions weve been stuck for the last 2 years both living in our own houses and seeing each other when we can made more difficult living 20 miles apart and my gf working shifts but were still very much together but i would like to here if anyone has been through trying to get a mortgage while having a dmp? I understand there are people in far more difficulty than me but i really need some advice Thanks.

Welcome to the thread.

My advice is move in, get DMP paid and save for mortgage. Use the mortgage tool to see what you would save post DMP. Your house will be yours much quicker that way than blowing it all on interest. I think its different if you already have a mortgage. Appreciate we all have different cicrumstances though.

Good luck

HHx

Hopelessly_Hopeful

darwins_mum wrote: »

Thanks, I will ring them this week.
I think I just let everything get a bit bigger than broadway during the night after realising that I have £20 to last until payday with no petrol in the car, train fare needed for DS to get to school and very little in for packed lunches. Feeling a little jaded, faded and tired of living hand to mouth with no improvement in sight. Ah well, the sun may shine today.

Sending cyber hugs over to you. (((( xx))))

If I start feeling low I get planning food and cooking budget for the next few weeks. It's amazing how you can positively channel the energy, save time and money and importantly feel in control and more comforted that less chance of nasty shocks!

Hope you feel brighter soon.

HHx

darwins_mum

Hopelessly_Hopeful wrote: »

Sending cyber hugs over to you. (((( xx))))

If I start feeling low I get planning food and cooking budget for the next few weeks. It's amazing how you can positively channel the energy, save time and money and importantly feel in control and more comforted that less chance of nasty shocks!

Hope you feel brighter soon.

HHx

Did a little shop and took stock of the provisions cupboard rustled up a make do and mend lunch of slamon, cream cheese and pasta. planned a few meals and lunches to get me through the next few days to pay day. It certainly does make you feel a little more in control.
I shall attempt to do some batch cooking and freezing over the half term break.
Will sit and do a revised budget for next month this evening; for the first time in a long time I have bank charges - only £25, not a kings ransom, but I begrudge paying them! Must remind myself not to beat myself up for a tiny misdemeanour.
Thanks for the hugs, they are in short supply here in Darwin Towers.
Enjoy the rest of your day

ianmak

darwins_mum wrote: »

Did a little shop and took stock of the provisions cupboard rustled up a make do and mend lunch of slamon, cream cheese and pasta. planned a few meals and lunches to get me through the next few days to pay day. It certainly does make you feel a little more in control.
I shall attempt to do some batch cooking and freezing over the half term break.
Will sit and do a revised budget for next month this evening; for the first time in a long time I have bank charges - only £25, not a kings ransom, but I begrudge paying them! Must remind myself not to beat myself up for a tiny misdemeanour.
Thanks for the hugs, they are in short supply here in Darwin Towers.
Enjoy the rest of your day

I'm going to have a go at this when I'm out of food. Should save a bit of money!
http://www.cheap-family-recipes.org.uk/

Hopelessly_Hopeful

darwins_mum wrote: »

Did a little shop and took stock of the provisions cupboard rustled up a make do and mend lunch of slamon, cream cheese and pasta. planned a few meals and lunches to get me through the next few days to pay day. It certainly does make you feel a little more in control.
I shall attempt to do some batch cooking and freezing over the half term break.
Will sit and do a revised budget for next month this evening; for the first time in a long time I have bank charges - only £25, not a kings ransom, but I begrudge paying them! Must remind myself not to beat myself up for a tiny misdemeanour.
Thanks for the hugs, they are in short supply here in Darwin Towers.
Enjoy the rest of your day

That's the spirit. Above all don't loose your sense of humour. As Dopey used to say... they can have your money but not your life!

HHx

Hopelessly_Hopeful

ianmak wrote: »

I'm going to have a go at this when I'm out of food. Should save a bit of money!
http://www.cheap-family-recipes.org.uk/

Ohhh worth a try. Looking forward to hearing how you get on!

HHx