DMP Mutual Support Thread - Part 7

debtfree2010

Hey Guys,
How we all doing ??
I am currently doing a self managed debt management plan, and halifax, MBNA have both stopped interest :j
But lloyds and santander have not, in fact Santander have told me tonight they wont accept my plan unless i am with either CCCS or PP :mad:
They threatend me with a DCA after 6 months, so i said, pass my account over now, and i can make an arrnagment with them :cool:

Ho hum onwards and upwards :rotfl:

mikon

debtfree2010 wrote: »

Hey Guys,
How we all doing ??
I am currently doing a self managed debt management plan, and halifax, MBNA have both stopped interest :j
But lloyds and santander have not, in fact Santander have told me tonight they wont accept my plan unless i am with either CCCS or PP :mad:
They threatend me with a DCA after 6 months, so i said, pass my account over now, and i can make an arrnagment with them :cool:

Ho hum onwards and upwards :rotfl:

Debtfree2010

Well done. Stand up to them, who do they think they are? Creditors always think they have the upper hand not on this occassion. Well done again.

Mikon

the_tooth_fairy

cherrypieness wrote: »

Thanks for the speedy reply! I went through the CCCS questionaire and even received the plan and letters saying how much I would need to pay, DD mandate etc....then lost my job and everything changed and I went back into Ostrich mode.
What made me not go through with it, was actually finding the letters from the creditors, after shoving them (unopened) down the side of the microwave and then into a black bin bag, the thought made me want to cry, however CCCS obviously needed them and proof of my income.
Anyway, I know I am going to have to take the bull by the horns and just do it......I've read back a bit further on this thread and Payplan and CCCS seem to be aboue the same, so I think I'll give CCCS another try...thanks again.

Sorry to hear you lost your job, was that the temporary one? I wasn't sure where you were. Let us know how you get on,
I'm sorry you have reached this stage,hopefully you will find a way forward with the help of CCCS.
ttf

the_tooth_fairy

debtfree2010 wrote: »

Hey Guys,
How we all doing ??
I am currently doing a self managed debt management plan, and halifax, MBNA have both stopped interest :j
But lloyds and santander have not, in fact Santander have told me tonight they wont accept my plan unless i am with either CCCS or PP :mad:
They threatend me with a DCA after 6 months, so i said, pass my account over now, and i can make an arrnagment with them :cool:

Ho hum onwards and upwards :rotfl:

Hello again! You are lucky Halifax stopped your interest, they added ours on from the get go! (£6K), we were paying them a fortune at the start, and they made some very nasty phone calls, not to mention menacing letters at the beginning of our DMP. I would never do business with them again!
Ironically, we received a phone call from them a few months ago, reminding us that we were paying them too much and did we want to reduce our payments? Maybe not...

ttf

jules1973

debtfree2010 wrote: »

Hey Guys,
How we all doing ??
I am currently doing a self managed debt management plan, and halifax, MBNA have both stopped interest :j
But lloyds and santander have not, in fact Santander have told me tonight they wont accept my plan unless i am with either CCCS or PP :mad:
They threatend me with a DCA after 6 months, so i said, pass my account over now, and i can make an arrnagment with them :cool:

Ho hum onwards and upwards :rotfl:

The lack of consistency is ridiculous. Santander stopped mine straightaway

the_tooth_fairy

Well, at least Mikon and me were there to hold the fort, LOL!!!
I won't apologize for being 'off side' again, I, however, can only say sorry for the American spelling of 'apologise' which was only accepted by my spell check when I put a 'Z' in , is there any end to it!???

'Miss you already?'

ttf (with her head under her wing)

ianmak

cherrypieness wrote: »

Thanks for the speedy reply! I went through the CCCS questionaire and even received the plan and letters saying how much I would need to pay, DD mandate etc....then lost my job and everything changed and I went back into Ostrich mode.
What made me not go through with it, was actually finding the letters from the creditors, after shoving them (unopened) down the side of the microwave and then into a black bin bag, the thought made me want to cry, however CCCS obviously needed them and proof of my income.
Anyway, I know I am going to have to take the bull by the horns and just do it......I've read back a bit further on this thread and Payplan and CCCS seem to be aboue the same, so I think I'll give CCCS another try...thanks again.

You need to do something about this now, and not come back to it later. While you wait for an appointment or whatever, you need to work out exactly how many creditors you have (at the very least), then work out how much you owe them.

Oh, and welcome!

ianmak

the_tooth_fairy wrote: »

Well, at least Mikon and me were there to hold the fort, LOL!!!
I won't apologize for being 'off side' again, I, however, can only say sorry for the American spelling of 'apologise' which was only accepted by my spell check when I put a 'Z' in , is there any end to it!???

'Miss you already?'

ttf (with her head under her wing)

Have you been on the funny stuff again ttf?

cherrypieness

ianmak wrote: »

You need to do something about this now, and not come back to it later. While you wait for an appointment or whatever, you need to work out exactly how many creditors you have (at the very least), then work out how much you owe them.

Oh, and welcome!

Thank you!
The prospect terrifies me, however I am going to do it when I get home from work today (been here since 9.30am yesterday).
I know there are lots, there are litterally hundreds of demands dating from December....anyway, thanks again!

Mrs_Arcanum

cherrypieness wrote: »

Thank you!
The prospect terrifies me, however I am going to do it when I get home from work today (been here since 9.30am yesterday).
I know there are lots, there are litterally hundreds of demands dating from December....anyway, thanks again!

The relief you will feel once the ball starts rolling is incredible.

Good luck. :beer: