DMP Mutual Support Thread - Part 7

Hopelessly_Hopeful

jules1973 wrote: »

Just a general question!!! How long does it take to get defaults and what ratio of creditors have defaulted you... all or none etc

I only had a couple of defaults out of 12 and there was fairly straigh away. I think it doesn't matter if it was one or or 12 in terms of your record. Its shot for 6 years.

HHx

Hopelessly_Hopeful

:bdaycake:

Happy Birthday Twitty

Hope you have a great weekend

HHx

jules1973

Hopelessly_Hopeful wrote: »

I only had a couple of defaults out of 12 and there was fairly straigh away. I think it doesn't matter if it was one or or 12 in terms of your record. Its shot for 6 years.

HHx

That's what I am hoping for :T

Superbiatch

jules1973 wrote: »

Just a general question!!! How long does it take to get defaults and what ratio of creditors have defaulted you... all or none etc

3 out of 5 for me, I actually got 2 on the same day

Happy Birthday Twitty, have lots of fun :bdaycake: xx

Flash-bang

Happy birthday Twitty.

No post Except for the ongoing saga with CFO that means still only 3 responses out of 32. Do you think it will be ok to send the statements we have to CCCS and the others when they arrive? Or should I wait until they all come, which could be ages?

debtfreewannabe321

jules1973 wrote: »

Just a general question!!! How long does it take to get defaults and what ratio of creditors have defaulted you... all or none etc

I have one default out of 12 creditors -barclays. they defaulted me straight away

Not heard from all of the creditors though tbh. I have only received maybe 3 confirmations -one of which is the default!

debtfreewannabe321

Happy birthday Twitty :beer:

I received a letter this morning from a solicitors, it was about an unpaid tax bill of hubbys that we were disputing (and kind of forgot about-good old inland revenue didn't though hey) We are going to call tax aid next month when hubby is home but if all else fails can we add it to our DMP? Or do the IR not generally accept terms of them??

DFW x

suze72

debtfreewannabe321 wrote: »

Happy birthday Twitty :beer:

I received a letter this morning from a solicitors, it was about an unpaid tax bill of hubbys that we were disputing (and kind of forgot about-good old inland revenue didn't though hey) We are going to call tax aid next month when hubby is home but if all else fails can we add it to our DMP? Or do the IR not generally accept terms of them??

DFW x

Are you with CCCS? If so, I think they consider tax debts to be priority in the same way as your secured debts so you would probably need to reduce your DMP payments accordingly.

Happy Birthday Twitty :beer:

MoneysTooTightToMention

Is it ok If I join? I am just filling out my paperwork to start a DMP with payplan. Have already started receiving nasty letters from my creditors and am very concerned about the position of my bank account with the DMP as I changed to a safe account as they are also one of my creditors. Im charged £25 a month for the acc and this month the charge took me overdrawn as I have stopped all monies going in there. They have written to me to tell me they are charging me £10 for every day Im overdrawn? Will they agree to freeze this? or will I have to cover the charges and put £25 a month into the acc every month?

debtfreewannabe321

suze72 wrote: »

Are you with CCCS? If so, I think they consider tax debts to be priority in the same way as your secured debts so you would probably need to reduce your DMP payments accordingly.

Happy Birthday Twitty :beer:

Yes we've got a DMP with CCCS, i shall give them a call next week then just make them aware we may be adding to it rather than reducing it grrr!