DMP Mutual Support Thread - Part 7

the_tooth_fairy

Hey, Yellow Pinky, let us know how you got on with your further F&F offer to Gothia. I'm getting really carried away with the thought of 'someday F&Fs' today, it's actually going to happen one day now, even in the distant future!!

ttfx

ex-rayday

the_tooth_fairy wrote: »

Well, after a years' battle with Sainsburys Visa, I got my statement today and they have reduced interest to 0%!!!!
Even after the 'snotogram' I got last week from them! I don't know what's happened to bring this about, but the estimated interest for next month is 0% as well!! They were really worrying me, because that debt would have kept the whole DMP going on for at least 6 more months at the rate of interest they were charging (£38 against a payment of £57), so happy days, for now at least!

ttfx

Stick with sainsburys they are not that bad eventually, had mine with them for years about 11 now, no interest just the odd letter to look over the plan. (I had problems years ago and didn't learn my lesson well enough, if you call a divorce not learning lessons!!)

the_tooth_fairy

ex-rayday wrote: »

Stick with sainsburys they are not that bad eventually, had mine with them for years about 11 now, no interest just the odd letter to look over the plan. (I had problems years ago and didn't learn my lesson well enough, if you call a divorce not learning lessons!!)

Hi Rayday, yes, I had an account with Sainsburys since 1996, so I was sad that they didn't come on board like some of the others at the start.
They also sent some very nasty letters unlike the others,too.
As you say, you live and learn (eventually!). My lesson is to live without credit for as long as I can, it's toxic to me so the sooner me and my family can live with what we have at the time, the better, really. We are doing that now, when I think about it! :j

Best,

ttf

ianmak

Hi guys and gals, hope you are all well.

Just a thought on those saving up for emergencies...

In the last couple of months my oven and fridge part of my fridge/freezer packed up. Bear in mind I'm always skint, I was a bit worried, and was pondering borrowing the money to replace them or get them repaired (In the bad days I would have ordered new ones on credit immediately).

When I came to my senses, I looked online for repairing the fridge, they suggested that defrost-free freezer sometimes needs defrosting as the vents at the back sometimes get blocked. So I defrosted, and two days later everything is working again.

With the oven I ended up looking online, as I guessed to element had burnt out, managed to get a replacement for £20 (and £1.60 back on Quidco!), simple to replace and I'm back up and running again for £20 rather than £400!

Now that all maybe obvious to most, but I'm the least practical person in the world (I work in IT...) and I was quite chuffed with myself. being in tonnes of debt does occasionally have some benefits.

powerchimp

Had another letter back today from one of the creditors I asked to hold on the interest on C/C for 28 days to give me a chance to get the DMP set.

Again the letter said that they can't do anything because I haven't signed it :mad: I can't be bothered to phone them up, as they are the same company I spoke to 2 weeks ago only under a different name and also because the DMP will be ready soon.

The letter explained everything they needed to know about my problem plus I can't afford to keep ringing these people:o

MRS_A_3

chimp, if they want to be that awkward just make them wait until your DMP is set up.

You could also offer them a small token payment?

Good luck.

Well done ian, I bet you feel well pleased with yourself he-he

ex-rayday

ianmak wrote: »

Hi guys and gals, hope you are all well.

Just a thought on those saving up for emergencies...

In the last couple of months my oven and fridge part of my fridge/freezer packed up. Bear in mind I'm always skint, I was a bit worried, and was pondering borrowing the money to replace them or get them repaired (In the bad days I would have ordered new ones on credit immediately).

When I came to my senses, I looked online for repairing the fridge, they suggested that defrost-free freezer sometimes needs defrosting as the vents at the back sometimes get blocked. So I defrosted, and two days later everything is working again.

With the oven I ended up looking online, as I guessed to element had burnt out, managed to get a replacement for £20 (and £1.60 back on Quidco!), simple to replace and I'm back up and running again for £20 rather than £400!

Now that all maybe obvious to most, but I'm the least practical person in the world (I work in IT...) and I was quite chuffed with myself. being in tonnes of debt does occasionally have some benefits.

Hmmm I hear what you are saying...

My washing machine is broke ring Ianmak :money::T

How come I have a hubby who can mend servers, do all that techy networking stuff yet I am the one tipping the tumble dryer up to clean water valves - seriously he is useless! I think since being on my DMP my best household appliance bargain was a 99p dishwasher off ebay - couldn't be without one now we have one (family of 5) was looking like it was a luxury until I found a forest green one on ebay from when everyone went for coloured appliances. Worked for another year or so then I saved up for my super duper Bosch one which I haggled with in store as it has a dent in the door, got it for £250 :j

ianmak

ex-rayday wrote: »

Hmmm I hear what you are saying...

My washing machine is broke ring Ianmak :money::T

How come I have a hubby who can mend servers, do all that techy networking stuff yet I am the one tipping the tumble dryer up to clean water valves - seriously he is useless! I think since being on my DMP my best household appliance bargain was a 99p dishwasher off ebay - couldn't be without one now we have one (family of 5) was looking like it was a luxury until I found a forest green one on ebay from when everyone went for coloured appliances. Worked for another year or so then I saved up for my super duper Bosch one which I haggled with in store as it has a dent in the door, got it for £250 :j

Oh trust me I'm rubbish. Never, ever, ask me to help you to move home or furniture especially! But living on my own for a few years and relying too much on my Dad (He fixes my electrics and installed a new bathroom suite - in exchange I helped him with his PC), has made me quite independant, and being in debt has made me not so much a miser, more that I do very well on no money. It's when I have that money it's a problem (Millionaire's weekend I think they call it.)...

ex-rayday

My hubby has the reverse excuse, his Dad was an electrician but died when hubby was 22 so he says he never got the one on one that would make him practical.

I think I would be good with money was it not for my children and ex husbands! So I am pretty much stuffed and a long term DMPer!

scouselad1974

ianmak wrote: »

Oh trust me I'm rubbish. Never, ever, ask me to help you to move home or furniture especially! But living on my own for a few years and relying too much on my Dad (He fixes my electrics and installed a new bathroom suite - in exchange I helped him with his PC), has made me quite independant, and being in debt has made me not so much a miser, more that I do very well on no money. It's when I have that money it's a problem (Millionaire's weekend I think they call it.)...

I know what you mean about doing well on hardly any money at all, friends of mine spend extortinate amounts of cash on things that I know I could do for so much less, with a bit of forward planning etc. Fair enough it's their hard earned cash and they can spend it on what they like, but sometimes I think god I could have a weekend away a month for what they have spent on one holiday