DMP Mutual Support Thread - Part 7

Hopelessly_Hopeful

slm6002 wrote: »

Just starting the process of a DMP with CCCS after months of umming and ahhing. Think i will be visiting this thread quite a bit until i am all set up and paying off the debt. Dreading this next bit of dealing with companies not wanting to agree to stop charging. Got quite a bit of debt with HSBC in many forms so guess that will be a fun one looking at past comments.

Anyway hello and i guess i will get to know you all soon

Welcome to the gang. Hope you have a smooth start up. Shout up if you have any questions or need to let off steam

HHx

midget123

BevieB wrote: »

Can I ask are your other accounts CC as the Halifax have refused the amount of instalment from CCCS. Did they take some time to accept yours or did it happen straight away.

They accepted straight away with the two bank accounts, we also have two credit card accounts with them which we haven't heard anything from but they stopped the interest on one. (If that makes sense).

red_scorpian

Hi and a big welcome Sim6002'
Youve come to the right place we've all been where your at now and we also had that feeling of dread ,feel free to ask questions the people on board here are really helpful, and will always try to answer your questions good luck and take care x

Growurown

Hello fellow DMP'ers, haven't been here for a while but been catching up on what's been going on.

Things have been tricky. After writing off my car (my fault!) at the end of July sorted out the finance with the insurance company and got myself another motor. Then lo and behold whilst in work the other day got a message to say someone had hit my new car! The damage didn't look too bad but it was another write off so I have to start looking around for something else. However because the other party haven't admitted liability yet my pay out will be less the £200 excess until they do. As I wasn't even in the car when the accident happened I am assuming they will pay up eventually and I will get my excess back, but I'm not holding my breath.

However the moral of this story is that I have managed to put away a little nest egg which will help to cover the missing £200 by taking some very good advice from this forum when setting up my DMP. (See Toffeepenny's post no. 3248). I organised my DMP through CCCS and when filling in my monthly expenses I included allowed amounts for things like smoking, dry cleaning, work canteen expenses etc. I had to lower the smoking expenses as they thought it was too high - but it has allowed me to have some breathing space, which has been a real boon especially when OH's car needed four new tyres. Ultimately it will mean my debts will take longer to pay off but having the stress taken out of life means a lot more.

So to everyone just starting out good luck and once you get over the first few hair raising months you will be so happy that you took the plunge. Best thing I ever did!

Thanks for my DMP number Ian.

BevieB

Good news, I was just about to write to the Halifax about the charges on our current account when I thought I would brave them and ring. I spoke to a man in the Collection Dept who said that the CCCS had been in touch and that they had suspended all charges from the 4th Oct.
So apart from the 2 CCs with the Hellifax all our creditors have agreed to reduced payments/sus interest.

Westminster

Thats a great result BevieB

red_scorpian

Well done Bevieb on being so brave and phoning(it does pay off sometimes) good luck on your debt free journey take care x

sickasachip13

Hi BevieB and slm6002

Welcome and good luck with it all.

This thread is an absolute wealth of knowledge and support, it has proved invaluable to me at times :beer:

Everyone's DMP is a little different but there are some real similarities too and we seem to have been through a lot of the same emotional stuff.:eek::D:mad::(:T_pale_:think::j

SAAC13

(ps. I did a blog about my debt and DMP - see my sig for more details)

scared_and_alone

hi all

well ive finally done it and sent all my paperwork back to CCCS today..eeek

still feeling pretty scared and shaky about the whole thing but my anti d's are starting to work a bit now

one quick question and sorry if i sound thick but when you send the postal orders for token payments do you have to cross them? i got the post office to leave them open as i wasnt sure but the lady said i can cross them myself if i want to

any advice please...oh and im sure this is going to be the first question of many along the way

DizzyDizzy

scared_and_alone wrote: »

hi all

well ive finally done it and sent all my paperwork back to CCCS today..eeek

still feeling pretty scared and shaky about the whole thing but my anti d's are starting to work a bit now

one quick question and sorry if i sound thick but when you send the postal orders for token payments do you have to cross them? i got the post office to leave them open as i wasnt sure but the lady said i can cross them myself if i want to

any advice please...oh and im sure this is going to be the first question of many along the way

Hi, don't worry it will all be ok when the dmp has started running. Then you have something to come back with if you get any creditors ringing. As soon as they ring me I just quote my dmp number at them and they go away!

I did cross my postal orders when I sent mine, and I also sent them via recorded delivery so one could say they hadn't received them.

Ask as many questions as you like, we are all going along the same journey!