dmp journey

jackies41

Hi Jackie and cheese lady

Your lucky that your daughter is a hairdresser my niece is but dosnt feel confident enough to do mine yet.

Good that mint have frosen interest my payment has gone as is now showing on web site thank goodness.

tried to keep to a shopping budget today but fridge was so empty so have gone about £20 over, still got stuff to buy for school so going to be a bit tight this month.

Have a good day everyone Jackiexxx

jackies41

Hi

So first payment has gone to creditors and statement received from CCCS today showing first payment.

I am now on my way and hopefully 6 years 10 months will be debt free.

Hair was only £55.00 instaed of £80 which was good but have spent loads more on school stuff today, so still wont really see benefit this month.

Bye for Now Jackiexxx

Cheeselady

I don't envy you both with the school stuff, I remember how much it used to cost for my two. It's a lot easier this year, as my son has left school and is going into 6th form, so no uniform to buy thank goodness, just a new bag, and then folders or whatever he needs for each subject, so thank goodness for that! Just hope they don't have any expensive trips planned because there's no way we can stretch to that! Great price for the hair, going ot get mine done tomorrow, can't wait!

Ellieseleven

Morning All, sounds like we are all new & improved models now with our hair cuts. You are very lucky Jackie to have daughters who can do your hair for you. My hairdresser is a friend of my daughter who has set up on her own as a mobile hairdresser and she is very good, it only cost me £35 for a cut and colour:)

Good news on your DMP payment Jackie, at least now you feel that something positive is happening:)

Well done on getting Mint to freeze interest jcorbygas:)

Take care everyone
Ellie xx

pkezza

Can I join this thread ? I am new to a DMP, and only just spoke to CCCS yesturday, just waiting for statements to come from creditors and so I can send em to CCCS. My first payment to CCCS is 1st Oct, so you guys are a little in front of me. I too have kept the extent of my debts from my hubby, and think Ill tell him when its all up n running, then hell see that I have done something about it. I think seeing as you guys are a couple of months in front of me, youll probably be able to offer me some support through these early days.

Debt free in 3 years 8 months (hopefully)!!!!1

jackies41

Hi Ellie

Do you think your mobile hairdresser will come all the way down here? now back to being blond again what a relief.

Any more news from MBNA?

Yes it was good to see that payments have gone out should keep them quiet hopefully
how are you today?

JackieXXXX

jackies41

Hi Pkezza and welcome

Yes the first stages are quite difficult because you dont know how your creditors are going to react all I can say it hasnt been as bad for me as I expected as few phone calls at beginning but the last few weeks have heard nothing.

It has been the best thing I have done and you are diffinetley doing the right thing, I too kept the extent of debts from my hubby and he is still not great I think it takes time for them as well.

Let me know how things are going and if I can help in any way just ask on here we aall keep each other going when we have s.....ty days

Keep in touch and good luck jackiexxx

Ellieseleven

jackies41 wrote: »

Hi Ellie

Do you think your mobile hairdresser will come all the way down here? now back to being blond again what a relief.

Any more news from MBNA?

Yes it was good to see that payments have gone out should keep them quiet hopefully
how are you today?

JackieXXXX

I will ask her ha,ha

No news from MBNA, had very similar from Santander saying that the payments are not sufficient but to keep paying - but hey ho, not letting it get to me.

My payments to CCCS are quite low at the moment but once the HP on my car finishes then I can up it by £200+ per month. The only downside to this is that my employer states that our cars should not be over 4 years old (which mine will be soon) but I'm going to cross that bridge when I come to it:)

Had a bit of a carp day with OH yesterday as he has taken to completely ignoring the phone which means that he is not picking up any business calls either but having a row seems to have worked as he has gone out now to complete a job that he has been putting off all week.

Take care
Ellie xx

Ellieseleven

pkezza wrote: »

Can I join this thread ? I am new to a DMP, and only just spoke to CCCS yesturday, just waiting for statements to come from creditors and so I can send em to CCCS. My first payment to CCCS is 1st Oct, so you guys are a little in front of me. I too have kept the extent of my debts from my hubby, and think Ill tell him when its all up n running, then hell see that I have done something about it. I think seeing as you guys are a couple of months in front of me, youll probably be able to offer me some support through these early days.

Debt free in 3 years 8 months (hopefully)!!!!1

Hiya, yes we are a bit in front of you so we will be able to warn you of the perils of this journey LOL! Seriously, we have helped each other through these inital weeks and it has been good to have someone to 'talk' to who understands exactly what you are going through, so welcome!!

We also seem to have a mutual club running as well which is the OH pain in the a$%e club which you are quite welcome to join as well:rotfl:

Ellie xx

jcorbygas

Morning all - yes I am lucky having 2 daughters in the hair/beauty business - I am still wondering where they get it from as I was never (or never allowed to be ) interested in making myself look good.
OH took a phone call yesterday evening and he doesnt know who he was speaking to but they said they wanted him to make payments directly to them rather than through intermediary? He could have been talking to a fee paying company or anybody so I just hope he didnt give out any of our details - this is why he doesnt get involved in finances!!

Hope you all have a good bank holiday weekend - if we can with this awful weather!

Jackie