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DMP Mutual Support Thread - Part 7

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  • Thanks folks - have just got back from the garage and it turns out that it only firing on 4 cylinders. They have replaced a spark plug and a lead, and only charged £5 - so all the mechanics got a Christmas hug from me!

    *phew*

    £5 for a plug and leads? you have done well there. Excellent.:j
    There are better things in life than worrying about money…like nailing a jelly to a tree for example.
  • mallyash wrote: »
    If a cambelt slips a tooth or two, the engine would be very, very lumpy all the time, power would be lost and it would be a pig to start. If the cam belt breaks the engine would stop dead suddenly and probably smash some valves into the pistons wrecking the engine. I very much doubt if this is your problem BR. But you are right curioustom, Vauxhall's do have a Achilles heal, being the cam / timing belt.

    Ah yes, the power slip issue - that was my problem - ignore the juddering comments!
    Thanks folks - have just got back from the garage and it turns out that it only firing on 4 cylinders. They have replaced a spark plug and a lead, and only charged £5 - so all the mechanics got a Christmas hug from me!

    *phew*

    Bargain! Glad it's all sorted :j
    Debtfree by Xmas 2012 #182 - £0/£4,460 0%
    2012 Saving Challenge - £0/3,000
  • Glad you got the car sorted !
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
    Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
    Total Debts JUL 2020 £00.00
    Cleared Jul 2020 £96796.75
    :T
    Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 428
  • BeGrace wrote: »
    Hi Joyanne :) I am just waiting for a load of charges, knowing Lloyds :(

    Oh no- I was under the impression Natwest and Lloyds are not linked?! Could anyone shed some more light on this for me please?! Thanks

    Anyone please?! :o I've read that they are separate and that Natwest are RBS, Lloyds are linked with Halifax so I should be ok?? :think:
  • BeGrace wrote: »
    Anyone please?! :o I've read that they are separate and that Natwest are RBS, Lloyds are linked with Halifax so I should be ok?? :think:

    Natwest are indeed part of the RBS group.
    The LLoyds group consist of Lloyds TSB, Halifax, Bank of scotland, C&G.
    In my experience Bank of scot have been fine and understanding, Lloyds so far have ignored all my letters and Offers of payment. But to be honest I'm not fussed, they are only going to get token payments until they do, subsequently allowing me to add more coin to my emergency stash.:p
    There are better things in life than worrying about money…like nailing a jelly to a tree for example.
  • mallyash wrote: »
    £5 for a plug and leads? you have done well there. Excellent.:j

    Yep, they are our regular garage, a nice bunch of lads, and I'd already rung the day before, spoke to the owner, and explained that we had no money - perhaps it was cos it was Christmas that we got off so lightly.
    Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568

    Oct 2012 = Current debt: £40,548.93
    Oct 2013 = Current debt: £39.054.70


    DMP Support number 424 - Long haul number 308
  • Anyone? :(


    Hi Suggest new letter and do it recorded delivery or at least always get proof of postage. If they wont play ball speak to the ombudsman

    Good luck HHx
  • Thanks folks - have just got back from the garage and it turns out that it only firing on 4 cylinders. They have replaced a spark plug and a lead, and only charged £5 - so all the mechanics got a Christmas hug from me!

    *phew*


    Brilliant news and glad we have some nice mechanics on the thread too :)

    HHx
  • Jenjen
    Jenjen Posts: 148 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 23 December 2011 at 5:40PM
    Has anyone ever had to buy a car while on a DMP?

    I'm thinking ahead and it may not be an issue. But Dh has a job interview on 5th January. Its a 3rd interview for the same job and he has been given the impression he is the only candidate and it is just a formality to get approval from the owner of the company. He really wants the job. Its only a slightly higher salary than he is currently on but it is closer to home (on the days he is in the office anyway). It also includes a car allowance although we don't know how much yet.

    At his last interview he asked for more info about the car allowance etc and was told it was paid monthly in his salary. He was also told that obviously he would be expected to maintain and run his own car with it and his car must be in resonable condition and no more than 8 years old. He currently has a 6 year old Diesel Mondeo which has already done 130,000 miles! So that would do to start with obviously but I really can't see it lasting forever with the sort of miles he will end up doing. And it would obviously need replacing after 2 years when it reaches the ripe old age of 8.

    So assuming he gets the job we will have to weigh up the options for getting a newer car. Mine is almost 8 already so thats not an option.

    So the way I see it is depending how much the car allowance is, the most obvious choice would have been to use that money to make a monthly payment on a 2 or 3 year old car. But the big question thereis would we be able to get the finance to do it? Is that even allowed while on a DMP? We could also of course save the money for the time being to hopefully be able to buy a car outright in 2 years time assuming Dhs car holds out that long bearing in mind the high mileage. Also would we have to declare the car allowance as income to CCCS and therefore our creditors, in which case will it just get swallowed up into the DMP and leave us unable to buy the car that will be a requirement of DHs job?

    Sorry for all the questions on something that might not be an issue but I'm a natural worrier and this is bothering me.

    Thanks

    Jenny
  • Funny you should ask about cars Jen, as when we were in the garage, we were told that 'one of the issues is that the engine is on it's way out'. Great.
    So that might mean we'll be in the market for an extremely cheap car, or a new engine (which might be cheaper!)
    Our LBM: Dec 2011. DMP started: Jan 2012. Debt at LBM: £41,568

    Oct 2012 = Current debt: £40,548.93
    Oct 2013 = Current debt: £39.054.70


    DMP Support number 424 - Long haul number 308
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