dmp journey

winner12

Hi Jackie
How are you doing any more news and luck with creditors still battling at this end did not take the job offer too far to travel not based where i wanted it to be and the logistics of the getting the kids to school and clubs just not viable will keep looking though

jackies41

Hi Winner12

Not too bad still getting letters from Aqua who are refusing the DMP
requesting that i pay them £315.00, send them yet another letter and file this one away.

Just plodding along with life hope you find a job soon I have given up looking at the moment I cant really be bothered I know not the right attitude but it just how I feel.

Hope you are well Jackie:)

winner12

Hi Jackie
I know how you feel with the Job situation we are not miracle workers and unlike my OH I cant just get up in a morning and go to work too many other responsibilities(KIDS) battling away with Crapital One still gone down the FOS route I only want them to accept my DMP like everyone else 2 have just reviewed and they are fine about everything but i`ve got Credit Solutions blowing hot air at the minute what a set of morons but they are linked to Capital One so ive complained about them too harrassing me so I will keep you posted hope you can stay positive about things its hard work but can you see a brighter light at the end of the tunnel it will be worth it

beliver

started my dmp in august things have there ups and downs.
owe roughly 49000 6 kids and live in council house got made redundant in june,when i started the dmp what a relief it was hardly any phone calls only saying they have not recieved the paper work from cccs(yeah likely story so they can bang intrest on)
got a part time job straight away at local shop 20 hrs still early days but managing on the budget and have a better quality of life and so much less stress.
my oldest daugher is 18 and the rest range from 2 to 9 life is much better feel like there is light at the end of the tunnel

debt free wannabe :eek:

katu

Hi

I called CCCS on Friday who told me that I would get my confirmation letter in the post in the next couple of days and first payment will come out on 1 November. Still nothing when I try to log in on the website so clearly not yet in process properly. Creditors will start to call me this week which I'm not looking forward to and my temp role is due to finish this week which is giving me added pressure.

Glad all well with everyone

jackies41

Hi Katu

My experience of the CCCS is very good dont panic I think it took about a week to come through, I know you are keen to get the ball rolling

As for phone calls I didnt get as many as I thought I would this was my big worry because it causes so much stress. I didnt answer them because I felt unable to keep calm and thought I might swear or get upset, so I just let the answer phone cut in. Once they got the paperwork from the CCCS the phone calls stopped apart from one of my creditors, I have sent them a letter to take my phone no of their system they probaly wont though.

Good luck this is the tricky stage but a couple of months down the line you should feel better about things:j

Take care Jackiexxx

jackies41

Hi beliver and welcome

Hope things go ok for you it is a bit up and down in the first few months

Good luck with things :rotfl:

jcorbygas

Hi Jackies41 - hope is all steady with you at the moment.
Things are not too bad with my 17 creditors except Halifax who stopped interest for one month and for some reason have put it back on this month so £2 from £89 paid to them has gone towards paying debt!- I will have to write to them to find out whats happening. Lloyds (4 accounts) are baffling me with their letters and dont communicate between depts so interest and charges still on them - so I will write to them, and I took a call from Citi on behalf of my husband and after 20 mins of me repeating that I was paying all I could to them they have stopped interest - for the time being.
I am still having trouble realising that I can actually buy an item of clothing for myself or my son as there is a budget for clothing so I went shopping yesterday and bought clothes that I do need for work and my son does really need but still felt really guilty about it !

Still - my mum is treating myself and my 4 children (well -youngest is 19) for a weekend away all food and entertainment included,this weekend so I shall enjoy myself ((she doesnt know about debts) for a change!

Best wishes to you and other August DMP starters

katu

Sounds like you are all getting a positive result.

I still haven't had any confirmation from CCCS which at the moment I am quite glad about them being slow because my agency are screwing up my salary. Two weeks ago I went in to them and changed my bank details to the new one and again this week it is going into my old account which can be used by the bank to offset against the loan I have with them so again this week I have to frantically get to a cash point first thing to withdraw the money and then much about going into the town at lunch to pay it into the new account. Didn't think it would be so hard to change my bank account details. Once they finally get it sorted and paid into the correct account then I everything will be okay.

jackies41

Hi all

3 payments down life is getting better:T

Jackie