DMP Mutual Support Thread - Part 7

the_tooth_fairy

CommitedToChange wrote: »

HI guys - hope everyone has a lovely long weekend free from harassment (as if )

I came back from a lovely visit to see my new niece (too cute) to a car insurance renewal that is more than double last years :mad: Have managed to find a slightly cheaper quote - but still a few hundred higher than last year, I feel these insurance companies are taking the !!!! - especially as this one wants 2 months up front - money I really don't have.

Sigh, I knew it was going too well.

Could it be wine o'clock? :beer:

Hi CTC, yes it is wine o'clock, just getting a lovely glass from a bottle that was a present (how much more do we appreciate pressies whilst on a DMP?) Speaking of car insurance, it sounds as if you are having the same experience as us here in NI. Try putting in a postcode that starts BT... in to any of the search engines, and if they accept you in the first place, the quote is crazy. Perhaps over here the insurance companies are still quoting as if the troubles were as bad as ever, their prices certainly haven't come down at all.
ttf

teecee152

Hello Everyone!!!!

Just popping in to say hello and as this was my home in the very early days of my DMP I felt it only right I should make this post to let you all know its not an easy answer but it is possible!!!

Today I am Debt Free!!!:j:j:j:j:j:j

Made my last payment to CCCS today and as of now am free...........gosh I've waited a long time to say that. I haven't been without debt since i was 19 (am now 44:eek:)

This thread kept me going when we first started it and I am so glad that after 4 years it is still going strong and it still has the same non-judgemental,caring and friendly posters it always did. My "friends" on the DMP thread will always have a special place in my heart because I could never have done it without them. Many of them no longer post but if any still read then............THANK YOU!!!:A:A:A

Today all is fantastic in Teecee world:T:T:T:T

Keep it up guys you will get there in the end. xxx

mikon

teecee152 wrote: »

Hello Everyone!!!!

Just popping in to say hello and as this was my home in the very early days of my DMP I felt it only right I should make this post to let you all know its not an easy answer but it is possible!!!

Today I am Debt Free!!!:j:j:j:j:j:j

Made my last payment to CCCS today and as of now am free...........gosh I've waited a long time to say that. I haven't been without debt since i was 19 (am now 44:eek:)

This thread kept me going when we first started it and I am so glad that after 4 years it is still going strong and it still has the same non-judgemental,caring and friendly posters it always did. My "friends" on the DMP thread will always have a special place in my heart because I could never have done it without them. Many of them no longer post but if any still read then............THANK YOU!!!:A:A:A

Today all is fantastic in Teecee world:T:T:T:T

Keep it up guys you will get there in the end. xxx

Teecee152

What an inspiration you are one of the very few people I have encountered on this forum who have achieved the end goal. Well done. I have many years to go but its nice to read that people do complete DMPs.

You should write of the forum about your experiences so we know what is ahead.

Thanks for the inspiration.

ianmak

teecee152 wrote: »

Hello Everyone!!!!

Just popping in to say hello and as this was my home in the very early days of my DMP I felt it only right I should make this post to let you all know its not an easy answer but it is possible!!!

Today I am Debt Free!!!:j:j:j:j:j:j

Made my last payment to CCCS today and as of now am free...........gosh I've waited a long time to say that. I haven't been without debt since i was 19 (am now 44:eek:)

This thread kept me going when we first started it and I am so glad that after 4 years it is still going strong and it still has the same non-judgemental,caring and friendly posters it always did. My "friends" on the DMP thread will always have a special place in my heart because I could never have done it without them. Many of them no longer post but if any still read then............THANK YOU!!!:A:A:A

Today all is fantastic in Teecee world:T:T:T:T

Keep it up guys you will get there in the end. xxx

Hurrah and congratulations!!!

One question though, what will you do? I sorta think when I'm finally free of debt what I'll do with myself. Do a jig, buy a bottle of bubbly, cry?

I sorta think it'd be like if you finished a marathon for real. Just that relief and satisfaction of finishing the journey...

PXE35

teecee152 wrote: »

Hello Everyone!!!!

Just popping in to say hello and as this was my home in the very early days of my DMP I felt it only right I should make this post to let you all know its not an easy answer but it is possible!!!

Today I am Debt Free!!!:j:j:j:j:j:j

Made my last payment to CCCS today and as of now am free...........gosh I've waited a long time to say that. I haven't been without debt since i was 19 (am now 44:eek:)

This thread kept me going when we first started it and I am so glad that after 4 years it is still going strong and it still has the same non-judgemental,caring and friendly posters it always did. My "friends" on the DMP thread will always have a special place in my heart because I could never have done it without them. Many of them no longer post but if any still read then............THANK YOU!!!:A:A:A

Today all is fantastic in Teecee world:T:T:T:T

Keep it up guys you will get there in the end. xxx

Congratulations :T:T:T:T:T:T

I'm just at the start of my DMP journey but your post has given me hope that there is light at the end of the tunnel :beer:

Hopelessly_Hopeful

Twit_Head wrote: »

Love it! I hope I've got the stamina because mine's a marathon. Going now because my fridge 'died' yesterday, and I'm hoping some kind soul on Freecycle wants to let their old one go to a kind and loving home. (It doesn't need to have a champagne rack or space for caviar :rotfl:)

'Twitty

:rotfl::rotfl::rotfl:

Hope freecycle comes good for you

HHx

Hopelessly_Hopeful

CommitedToChange wrote: »

HI guys - hope everyone has a lovely long weekend free from harassment (as if )

I came back from a lovely visit to see my new niece (too cute) to a car insurance renewal that is more than double last years :mad: Have managed to find a slightly cheaper quote - but still a few hundred higher than last year, I feel these insurance companies are taking the !!!! - especially as this one wants 2 months up front - money I really don't have.

Sigh, I knew it was going too well.

Could it be wine o'clock? :beer:

Ouch

Have you shopped around? Don't forget cashback sites too.

HHx

Hopelessly_Hopeful

teecee152 wrote: »

Hello Everyone!!!!

Just popping in to say hello and as this was my home in the very early days of my DMP I felt it only right I should make this post to let you all know its not an easy answer but it is possible!!!

Today I am Debt Free!!!:j:j:j:j:j:j

Made my last payment to CCCS today and as of now am free...........gosh I've waited a long time to say that. I haven't been without debt since i was 19 (am now 44:eek:)

This thread kept me going when we first started it and I am so glad that after 4 years it is still going strong and it still has the same non-judgemental,caring and friendly posters it always did. My "friends" on the DMP thread will always have a special place in my heart because I could never have done it without them. Many of them no longer post but if any still read then............THANK YOU!!!:A:A:A

Today all is fantastic in Teecee world:T:T:T:T

Keep it up guys you will get there in the end. xxx

Great post, thanks for the update and HUGE congratulations.

Any plans for the future?

HHx

77ems

Hi all,

Just noticed this thread, I'm not in a huge amount of debt, but enough to make sure I have no money at the end of the month even after robbing Peter to pay Paul!! I have spoken to CCCS this morning and they are sending me out a the relevant paperwork to start a DMP. I just wondered what to expect really. How many bank statements do they ask for, and what proof of debts? I just want to get it filled out and sent back as soon as possible and want to get everything ready to send off.

Many thanks in advance Emma:)

ianmak

77ems wrote: »

Hi all,

Just noticed this thread, I'm not in a huge amount of debt, but enough to make sure I have no money at the end of the month even after robbing Peter to pay Paul!! I have spoken to CCCS this morning and they are sending me out a the relevant paperwork to start a DMP. I just wondered what to expect really. How many bank statements do they ask for, and what proof of debts? I just want to get it filled out and sent back as soon as possible and want to get everything ready to send off.

Many thanks in advance Emma:)

Welcome Emma, not sure on CCCS, but I guess they should ask for your latest statements from all of your creditors. Do you have an Overdraft that needs adding to the DMP, or have a creditor that is linked to your bank? If so then you'll need to setup a 'safe' account with a bank to whom you have no links.

Other than that, expect phonecalls from creditors, defaults etc. It sounds bad but it's all part of the process!

Hopefully someone'll be along to provide more experiences, but in the meantime have a look through the previous pages, and you'll get an idea of what's involved.