DMP Mutual Support Thread - Part 7

darwins_mum

Good morning all, and what a glorious day it is! I am lying in bed with breakfast and the virtual papers feeling grateful to be alive!
Finances threatened to derail me over the last couple of days, realised that it is the last weekend before payday, so things are always a little tight.
Received a letter from british gas saying they had tried to take a dd but there were insuficient funds in my account, which i knew to be untrue. immediately anxiety levels are rising, cold sweat at the thought of bank charges etc.
I rang the bank and they said that british gas cancelled the dd back in November?!!!!! I have been submitting my electricity readings online to british gas every month, and they email me confirmation of a bill, which I assumed had been paid. didnt specifically look at my bills account as I know that it is always in credit, therefore had no reason to suspect that anything was amiss, double checked and there have been no payments for my elec this year.
what are the implications of BG asking for this money back?
Lesson learned, will regularly review what dd's go out of my account. I feel as though I need eyes in the back of my head.

Have a great day all

Hopelessly_Hopeful

Morning

Yes lovely day. Hope everyone has a good one planned.

I've been the gym already and just off for a walk in the park.

Hope lunch goes well SS.

DM, ouch re bills. Scary to thihnk was passed us by. Not anymore though. Regular checks are a must on DMPs as no credit card in reserve, hoorah. See every cloud does have a silver linning. BG will no doubt want the money but you can probably negotiate an extended payback period. Don't forget to let your DMP people in case you need to have a budget review. Hope it work out for you.

HHx

darwins_mum

Hopelessly_Hopeful wrote: »

Morning

Yes lovely day. Hope everyone has a good one planned.

I've been the gym already and just off for a walk in the park.

Hope lunch goes well SS.

DM, ouch re bills. Scary to thihnk was passed us by. Not anymore though. Regular checks are a must on DMPs as no credit card in reserve, hoorah. See every cloud does have a silver linning. BG will no doubt want the money but you can probably negotiate an extended payback period. Don't forget to let your DMP people in case you need to have a budget review. Hope it work out for you.

HHx

Thanks HH
I must confess to not scrutinising on line bank statements as much as I used to with paper ones. I am inclined to tell BG to kiss my erse as it was they who cancelled dd not me. Not sure how far I will get with that one. I really need to knuckle down on my budget this month as council tax and water rates become due again!
DM

tired_mum

Morning all
Lovely weather here in Essex
Thought i would update a bit as been a while but read every day
yesterday i explained to the childerbillies all teens that we are paying all our debts off and 2016 we will be back to our old selves and no debt but until then things will be tight no more foreign holibobs just a week in the uk if we can afford it they were very good and almost made me cry as they said it was ok and it wasnt that long to wait and they still had their school & scout trips .
We are not leaving ourselves so tight that we are miserable but i know that we could probably pay a bit more if we had to at the moment but DS is leaving school in july doesnt know what he wants to do so no college place looked at:mad: DD1 is off to uni in sept dependent on her grades so things may get tighter in Sept as well as tax ,fuel and food going up not even going to think about the interest rate:eek:
We have been paying CCCS over £1100 a month so am already working out how much we can save come Jan 2016:j and how to spend it:o but NO CREDIT it will all be savings .
Poor DHubby has worked all weekend and loads of overtime during the week so will be able to pay off another small debt hopefully next thursday:T
Now I seem to have taken 1 step back but 2 forward so am looking at the positive have for the first time paid both water and sewage bills up to Oct in full and this months CTax 2 days early . The one step back was buying a computer desk from Ebay for a fiver did need one really as ours has fallen apart and the keyboard tray falls out unless you balance it correctly
Thank you for reading my essay I hope you all enjoy the free sunshine today and find at least 1 thing to make you smile

darwins_mum

a little bit of good news, I have been appointed to take part in the election count next month. 2 days extra pay. woop woop

scottygees

Am feeling a bit low regarding my DMP. Everything seems to be going ok and then suddenly a DCA letter regarding my smallest debt! with Eon energy. Gave CCCS their details and then they phoned me the next day, just told them I was on a DMP and that CCCS will contact them. The guy who phoned said they would put a hold on the account until they hear from CCCS.

Its just that sometimes reading threads on here it casts a doubt over your own situation and you start thinking the worst (court action, charging orders etc).

On top of this my blood pressure has gone through the roof and am off to the doctors tomorrow to try and ge it sorted and to add insult to injury my wifes mother has now been diagnosed with cancer and lives overseas so need to find money for a visit over there.

Squirrel29

Hi all, I've not been around much but everything quiet on the DMP front. Most creditors accepted and stopped charges/interest. Except Barclaycard and Nationwide current account. Nationwide CC has though. I'm off work this week and ive not budget well to give myself extra spends to go out and do things, plus pay day a week away, but then again its nice to just chill at home! I put a £2.50 ew bet on the National and made £4.00! Not life changing sadly! I still feel ashamed I bet after the awful site of the poor dead horses. Anyway, off to enjoy sunshine in garden before weather changes later this week.

stelly

Another week. Hi everyone :wave:.

Well made my first payment to CCCS on friday. Had to do it at post office as DD wasn't set up in time and the post office charged me :cool: (haven't paid with a slip before so didn't know).

Lloyds TSB are driving me crazy.
I'm averaging 4 letters a day from them.
The way they do things make no sense to me at all.
Funnily enough we've had only one letter from Tesco r.e OH's credit card and none from Next since I phoned them.

I reckon Lloyds must have infinate amounts of paper.

I had a letter r.e my credit card and it says they are accepting the dmp and no interest or charges will be added = bonus.

Also had letters r.e my loans and it says they are accepting reduced payments but only for 6 months and it doesn't say anything about charges being stopped and says interest will increase because i'm not making minimum payments.

Now on the letter/statement for my overdraft it says nothing about the dmp. It basically says that i'm overdrawn (only because they keep adding charges) and they will be charging me £50+ every month for being overdrawn which is loads more than my payment to them from CCCS.

What do I do about this?

Do I send a letter for the loans and overdraft requesting they stop charges and interest?

I can't understand why they've done it on the credit card but not on anything else.

Surely it's going to become a vicious circle with the overdraft. Them charging me for being overdrawn which then makes me even more overdrawn which means even more charges.

Rant on a different subject - OH

I don't know what's going on in his head. He know's how tight things are (I moan enough about it) and yet still expects me to produce money from somewhere for this,that and the next thing.

Nice day outside and I'm yet again stressing. I hate money :rotfl:

darwins_mum

Having a real wobble, so hold tight and prepare for a rant!
Time for a cccs review, I rang them to advise that my circs have not improved expecting to be told to remain on my temporary token arrangement dmp. I was advised that they will not be able to continue to manage it on my behalf, therefore I will have to send payments, letters etc myself. I feel as though I will be going full circle, as this is what I was doing previously. Predators have just stopped interest, does this mean that interest will start to accrue again now?
How soon before they start defaulting me and sell onto dca? I was praying for this last year as I was going to ask my mum to make a F&F (I know some of you on here dont approve of them, but I felt trapped and saw no way out).

I have been toying with the idea of selling up, so went off to see the financial advisor to see what my options are (er limited to say the least). I can neither afford to sell my house nor live in it. I had thought of renting it out, but the rental I will receive will barely cover the mortgage never mind pay for up keep/management fees. ho hum

I am totally miserable and often on the verge of panic, I seem to be incapable of maintaining my budget for more than 5 minutes (which is partly what got me to where I am now) and I don't want to slip any further into debt. Even though it is payday on Friday, there is very little left over once the bills are paid.
It is half term and I am off for a few days, I have nothing planned for DS2 and no money to do it with anyway. I have had to borrow money from a family member to collect my mother from the airport in the morn. Tank is half empty, christ knows how I am going to drive back. Don't get me started on what we are going to eat for the rest of the week. I am praying that I get 5 months worth of fuel allowance this month that my employer owes me. If not, I think I shall refuse to carry out any work related miles. It's just too expensive. On a positive note, I chased up my tax rebate, so fingers crossed that I get that soon. (not all doom and gloom : )

All of this is compounded by the fact that I am taking legal action against my ex for a financial related matter. Even though we are divorced, we are still financially linked. He basically mugged me when we split up and I am seeking retribution. He is still trying to emotionally blackmail me via email which I now ignore, but it still gets under my skin. He is squirming and offering a settlement “without the need to get solicitors involved” (er so he can mug me again more like). A truly spineless !!!! of a man.

I guess I am feeling a bit wobbly as I have recently decided to stop drinking (a contributor to my debt) and have had a few sleepless nights.

I hate the bind that I find myself in, and am currently struggling to see light at the end of the tunnel.
The optimist in me prays for better days. Have a great day all
DM

Hopelessly_Hopeful

darwins_mum wrote: »

Having a real wobble, so hold tight and prepare for a rant!
Time for a cccs review, I rang them to advise that my circs have not improved expecting to be told to remain on my temporary token arrangement dmp. I was advised that they will not be able to continue to manage it on my behalf, therefore I will have to send payments, letters etc myself. I feel as though I will be going full circle, as this is what I was doing previously. Predators have just stopped interest, does this mean that interest will start to accrue again now?
How soon before they start defaulting me and sell onto dca? I was praying for this last year as I was going to ask my mum to make a F&F (I know some of you on here dont approve of them, but I felt trapped and saw no way out).

I have been toying with the idea of selling up, so went off to see the financial advisor to see what my options are (er limited to say the least). I can neither afford to sell my house nor live in it. I had thought of renting it out, but the rental I will receive will barely cover the mortgage never mind pay for up keep/management fees. ho hum

I am totally miserable and often on the verge of panic, I seem to be incapable of maintaining my budget for more than 5 minutes (which is partly what got me to where I am now) and I don't want to slip any further into debt. Even though it is payday on Friday, there is very little left over once the bills are paid.
It is half term and I am off for a few days, I have nothing planned for DS2 and no money to do it with anyway. I have had to borrow money from a family member to collect my mother from the airport in the morn. Tank is half empty, christ knows how I am going to drive back. Don't get me started on what we are going to eat for the rest of the week. I am praying that I get 5 months worth of fuel allowance this month that my employer owes me. If not, I think I shall refuse to carry out any work related miles. It's just too expensive. On a positive note, I chased up my tax rebate, so fingers crossed that I get that soon. (not all doom and gloom : )

All of this is compounded by the fact that I am taking legal action against my ex for a financial related matter. Even though we are divorced, we are still financially linked. He basically mugged me when we split up and I am seeking retribution. He is still trying to emotionally blackmail me via email which I now ignore, but it still gets under my skin. He is squirming and offering a settlement “without the need to get solicitors involved” (er so he can mug me again more like). A truly spineless !!!! of a man.

I guess I am feeling a bit wobbly as I have recently decided to stop drinking (a contributor to my debt) and have had a few sleepless nights.

I hate the bind that I find myself in, and am currently struggling to see light at the end of the tunnel.
The optimist in me prays for better days. Have a great day all
DM

Hi

Sorry to hear you are having a bad day. Well done on decision to stop drinking, hope you can do it as successfully as giving up smoking. Breaking a habit can cause mood swings which may not help the situation in the short term.

Sorry I can't recollect what are arrangements are (why temp etc) and your signature doesn't detail the situation. Are you able to summarise or post a SOA so we can help, make sure you properly have had LBM or make other suggestions or support.

HHx