dmp journey

pkezza

Thanks guys for your support. I have no CCJs and havent missed any payments, (allthough this months payments have been token ones) My biggest creditor is Egg who have allready agreed to freeze interest and charged, I have quite a large debt to M&S too, has anyone had experience of dealing with them ?? I have checked my statement online, and they dont seem to have added any interest, it would be great if they didnt. I was worried about the bailiffs, cos I was reading the stuff they sent from cccs, and at the end it talks about ccjs, bailiffs and turning your unsecured debt into a secured debt, and i do have some equity in my property, so im dreading any of my creditors trying this one on, as my hubby has no idea !!! Just hoping for quick responses back from my creditors, so I can settle down. I feel like such a failure too

jcorbygas

Hi - you are lucky that Egg have stopped interest as I have 2 credit cards and a loan with them and they are still putting on interest.
M and S stopped interest straight away though so you might be OK with them.
You should really pluck up the courage to tell OH although it took me 2 years to do so and actually sort out a dmp.
He took it much better than expected when I explained in a long letter (that was the only way I could do it) how I had been feeling etc and he is slowly coming to terms with things.

Best wishes

Jackie

Ellieseleven

Hi pkezza, I have quite a large debt with M&S and although they have defaulted me, they have frozen the interest on my account:)

Hi jazzajojo, All in all it took me 6 weeks (mid July)to set everything up - I contacted the CCCS just before my CC's were due and filled in all of their forms etc then set up a new bank account. For the first month I made token payments and my first payment to CCCS went out on 1st September. We had a couple of weeks where the phone was frantic but that has quitened down now.

Hope that everyone else is plodding along ok, I've got over the shock of my redundancy a bit now so it's back to debt busting whilst I'm job hunting;)

Ellie xx

jackies41

HI EVERYONE

Not much going on back to work finding it really boring after being their 6 years I need a change. Still getting letters no phone calls except Aqua who seem to ring me every saturday just ignore it. Second payment going out 25th August.

Husband being really hiorrible told him what I had left for the month and his exact words were SO.

So as you can imagine no very impressed putting huge pressure on my marriage not sure what to do about it at moment.

Bye for Now Jackiexx

goingforward_3

jackies41 wrote: »

HI EVERYONE

Not much going on back to work finding it really boring after being their 6 years I need a change. Still getting letters no phone calls except Aqua who seem to ring me every saturday just ignore it. Second payment going out 25th August.

Husband being really hiorrible told him what I had left for the month and his exact words were SO.

So as you can imagine no very impressed putting huge pressure on my marriage not sure what to do about it at moment.

Bye for Now Jackiexx

When he asks why he hasnt got any food or clean clothes etc turn round and tell him SO !

I dont understand why if your married and have kids together this is all your problem? Why wont he contribute towards paying the DMP? Surely your happiness is more important than money.

Gah i want to slap him and he isnt even my husband !!

pkezza

Thanks guys. Does anyone know the rules for having a DMP when you have an offset mortgage/current account, as I do and have debts linked to it. I therefore cannot change my bank account, as it is also linked to my mortgage. but as the debt that is linked is relatively small, I can still afford to make their contractual payments, so there will be no issues with them offsetting the debt. It would just mean that this small debt would have to be left out of my DMP, is this OK ? Does anyone know ? My mum was gonna pay this one for me, but she is now not in a possition to do this, and I would hate it to mean that I couldnt do the DMP. Any help with this matter would be greatly appreciated.

jackies41

Hi Goingforward

I too want to slap him!!!!

Cheeselady

goingforward wrote: »

When he asks why he hasnt got any food or clean clothes etc turn round and tell him SO !

I dont understand why if your married and have kids together this is all your problem? Why wont he contribute towards paying the DMP? Surely your happiness is more important than money.

Gah i want to slap him and he isnt even my husband !!

I'm totally amazed at his selfishness, what about for better for worse and all that? :nonono: If you are paying for things for him, including food etc then I would stop it until he realises that he has to strat contributing. Are the debts with the DMP all in your name? Feel for you, things are hard enough without this lack of support.

what_a_muppet

jackies41 wrote: »

Hi Goingforward

I too want to slap him!!!!

Maybe if you tried, it would give him the short sharp shock he needs

On a more constructive note I would tell him exactly how his attitude is not helping, maybe if he could be more supportive you would feel better and this "happy" feeling would make dealing with the debts so much more bearable.

I kept my debts quiet from my partner for years, they knew something was wrong and thought I was having second thoughts, after I spilled the beans they smiled and said, money, is that it - why didn't you say something - I couldn't believe it - he has never used a credit card and has no debts so I thought he wouldn't understand - how wrong I was - he is now doing as much OT as possible to help me clear them - I still have a long road ahead of me but knowing you have the support from your other half makes it a million times better (not the best choice of words I know )

Taking on board everything you have told us shows what a strong person you are, I would point this out to him and ask how he would deal with it if he were in your position with nothing but snide remarks for back-up :mad:

Ellieseleven

jackies41 wrote: »

HI EVERYONE

Not much going on back to work finding it really boring after being their 6 years I need a change. Still getting letters no phone calls except Aqua who seem to ring me every saturday just ignore it. Second payment going out 25th August.

Husband being really hiorrible told him what I had left for the month and his exact words were SO.

So as you can imagine no very impressed putting huge pressure on my marriage not sure what to do about it at moment.

Bye for Now Jackiexx

Oh Jackie, I really do feel for you. It's bad enough that you have all the stress of sorting out your DMP without your OH being so awful. Like others have said he really does need a slap! You are in a partnership and surely he should realise that your problems are also his problems and he should help you out so that you are not carrying the burden on your own. My OH is not supportive in other ways but where money is concerned he would give me his last penny if I needed it. If you can't talk to him about this it's even worse, surely he has had the benefit in the past of the debt that you have now built up.

I'm thinking about you
Ellie xx