Stop being a Wimp!... DMP Journey

jackies41

Hi ellie
Found you on here now how are you today? I too fell loyalty to Barclays but lets face it they dont give a S... abou you. You are just a number gone are the days when you use to sit and talk to your friendly Bank Manager.

Hopefully the CCCS are writing to my creditors this week just now waiting to hear back
Dont feel quite so good abou things today keep thinking about School Uniform, and how Im going to entertain the kids in the holidays.

Husband still refusing to speak to me about DEBT he cant stay in denial for much longer.

ANyway have a good day Jacxkie

Ellieseleven

Hi Jackie,
Yes, I thought that I would write a diary to keep a record of my progress, so that I can look back on it in the future.

I understand the husband bit... mine understands how we have got to this point now (sort of) but his answer now is "why do you need to keep talking about it, I thought that we had decided what we are going to do" - this is one reason why I'm writing a diary, I need to view my thoughts and fears instead of bottling them up.

Will you have some spare cash towards uniforms once you get paid, if so push this to the back of your mind for the next few days.

The waiting bit is hard isn't it?

Keep going Jackie - we are doing the right thing!!!:T

Ellieseleven

Well managed to make sure that my car and the gas and electric are paid and now have 7 pence in my purse :eek:

Not got £90 to pay CC due today :eek: They can't have what I haven't got!

Need to ring CCCS when I get home tonight to see what I need to do now i.e. at what point to send out letters telling everyone that I can't pay them.

Still need to open a new bank account - when I find the branch LOL:rotfl:

Feel as though my mind is more on my job today - usually I am scouring this forum and looking for a solution:T - this time I am only looking in my lunch hour!!

State of panic 7/10

jackies41

Hi Elliesleven

Do you need to send them a letter I just sent them the notification of DMP that the CCCS sent me.

Have paid Avon but have put another £10 ontop for late paymen OH JOY

hAVE A GOOD EVENING jACKIE

jackies41

Hi Ellie

Yes should have some spare cash for uniforms also going to Poole in Dorset on Sunday
So that should take my mind of things for a few days at least

Jackiexxxx

Ellieseleven

Oh, Poole is nice. I was working down there a fair bit last summer, stayed in a lovely hotel near the harbour. Hope that you get some good weather and the opportunity to relax a little.

I'm not sure whether I need to send a letter but I haven't had anything back from CCCS yet so wasn't sure what to do next

So uniforms can go on the back burner for a little while at least?

Speak soon and Take care
Ellie xx

jackies41

Hi Ellie

Yes when you get your pack they give you a letter to send to all your creditors with a notification they you are entering into a DMP.

Wheter they take any notice who knows Vanquis didnt when they rung me the other day "oh we havnt received that letter".

It took CCCS about 5 days to send stuff through

Anyway cant pay Capital one for Wednesday so I bound to get a late payment fee on that one oh well!!!

Have a good evening Jackiexxxx

Ellieseleven

Oh, I see.. so I just wait for my pack before doing anything else?

How are you feeling, has the panicky feeling gone and are you coming to terms with things? I feel a little calmer than I have for weeks but still getting the odd panic attack setting in every now and again.

Still, I'm sure that when we get through these first few weeks we will be so glad that we have done this. I also wondered about budgeting and whether I would find this all too much and not able to cope living within a strict budget but when I think about the last weeks/months I realise that I have probably been living on a far tighter budget than is expected i.e. all money is used to pay debts, sometimes I go to work with nothing in my purse. I work away alot and last week I went to London with £1, now I don't know how I managed that, I couldn't even afford a drink whilst I was there!!:rotfl:

jackies41

Hi Ellie

I minute I feel positive then the next I dont. I know I have done the right thing but have mixed feelings from people I have told. I Hve just looked in the frezzer no decent food in dont get paid till next week, having to lean on my huiband for money who keeps getting cross with me, telling me that I need to budget better.

To be honest this is the worst thing he could say as I have done nothing but budget and not live properly for the last couple of years. I have £3 in my purse no petrol in my car and my roots need doing.

We are doing the right thing im sure of it we could bury our heads in the sand for another couple of years but as I get older and wiser I want to start living again.

I had to turn down an offer of a meal with my work collegues last week and made up and excuse because I didnt have enough money, and Im fed up with living like this.

I THINK WE BOTH DESERVE TO START LIVING AGAIN EVEN IF WE HAVE A BUMPY RIDE
ON THE WAY.

Stay positive speak soon Jackiexxxx

Ellieseleven

Got my reference number from CCCS, now just waiting for the pack to come through. Need to set up new bank account but not sure when I can do this now as I'm in work, so this might be the weekend.

CC now in arrears = 1
Panic rating 9/10
Stress level 10/10
Support from OH 3/10

Just got to tell myself: "I'm doing the right thing, they can't have what I haven't got!":o