Can't believe the mess I'm in!

Pink-Angel

binnie wrote: »

Hello Pink Angel,
So sorry about your little friend. it must have been a tough decision. My friend has hamsters and she loves them dearly. They are real characters.
I'm off for an interview tomorrow. Ok, it's not an ideal job, but I've a feeling I might get it. It's for a telesales company selling advertising for a new and up and coming tabloid.
I've also applied for about 6 other jobs too, so fingers crossed someone will take pity on me and give me a job.
I was also thinking about doing a CCS thingy, and I spoke to them the other day. The lady asked questions which I couldn't answer at the time like if my loans were secured on the house or not.
To be honest I don't want to do it jointly as we have finished paying for the house in 5 years and will be comfortable moneywise.
But it's my bank account which is the worser of the two and I have two loans in my name and one in hubbies. I pay for all of them and also a credit card.
When I rang, the operator said she wanted to know everything like council tax, electric amounts etc, but hubbie pays them and he doesn't have any spare money to put into my account to help me.
Can I not do a DMP on my own?
Also does anybody know if I go on one of these plans and I then get a decent paid job, can I come off it and start my loan payments as normal as I wouldn't want the debt going on for years.
xx

Hi Binnie, good luck with job interview!! Let us know how you get on! It may not be ideal, but it's a foot in the door back into the employment world.

The reason for all the questions from CCCS is so that they can work out a budget for you and advise on the best plan, which they can only do with all the information on bills, debts etc. It gets more complicated when debts/payments are joint. You can do a DMP on your own but they still enough information about what you pay out each month so that they can help best advise you. Also you can increase payments at any time when circumstances changes, or cancel the DMP at any time, so there is always the option of paying debts off faster - which is good as we all want to do this!

If you decide not to go for a DMP you can approach creditors yourself, tell them you are experiencing financial difficulties and ask if they will accept a reduced payment. (They may still request details of your income/outgoings/budget etc.) It gets more complicated if loans are secured on a property. Also if loans are with your bank, they can take legally take money out of your account to cover the costs.

Hope this helps - and let us know how you get on :-) x

Pink-Angel

I've submitted all my paperwork for my DMP, changed banks accounts, sent letters to creditors (except current bank as need overdraft until I get paid and will send then). I'm waiting for my salary to be paid into my new account next week so everything can get started in February. This has been stressful enough. I'm now dreading the response from my creditiors, as I know it won't be pleasant. What I'm most ashamed of is that up until now I've always made my minimum payments and so not in arrears with anything. But my debts have been increasing each month as I've had to use cards and overdraft to get by, and obviously I can't go on like this - hence addressing debts. I'm not looking forward to all the defaults and the implications of no credit rating, but it has be done, and I hope I'll get through it somehow. I'm also having nightmares about having ballifs knocking at my door and all manner of awful things. If it gets that bad I think I'll have to consider going for a walk along a railway line. One day at a time is the way forward I think, but at the moment I feel I'm going out of my mind with stress and fear:(

honeybear68

Pink-Angel wrote: »

I've submitted all my paperwork for my DMP, changed banks accounts, sent letters to creditors (except current bank as need overdraft until I get paid and will send then). I'm waiting for my salary to be paid into my new account next week so everything can get started in February. This has been stressful enough. I'm now dreading the response from my creditiors, as I know it won't be pleasant. What I'm most ashamed of is that up until now I've always made my minimum payments and so not in arrears with anything. But my debts have been increasing each month as I've had to use cards and overdraft to get by, and obviously I can't go on like this - hence addressing debts. I'm not looking forward to all the defaults and the implications of no credit rating, but it has be done, and I hope I'll get through it somehow. I'm also having nightmares about having ballifs knocking at my door and all manner of awful things. If it gets that bad I think I'll have to consider going for a walk along a railway line. One day at a time is the way forward I think, but at the moment I feel I'm going out of my mind with stress and fear:(

Hi Pink-angel

you've made the first move, one day at a time I still fear someone knocking on my door, I am the same uptill now have always paid on time with problem it's now due to an insurance payment ending that things are going to start getting more scary, especially from next month, if the bailiffs do knock on the door don't let them in, forget the railway line it'll hurt, yesterday I did something that I haven't done in a long time, I had an hour to myself so had lovely hot bath did my nails and hair and felt just for a short time stress free, keep coming to the boards even when your feeling down have a rant on bad days all the support is here and your definatley not alone. please feel free to pm me anytime if you wish.

Have subscribed

honeybear68

Pink-Angel wrote: »

Thanks Honeybear. I guess you never had another hamster? It is very hard when they have to go. I probably will get another because I know I can offer a loving home, but not just yet.

How are things with you?

No never had another, have a jack russell instead, could imagine what I'd bee like if anything happened to him especially as I got him when I lost my dad, sounds daft but he's my soul mate he even listens to me, knows when I'm feeling down. give yourself a little time.:)

Pink-Angel

honeybear68 wrote: »

Hi Pink-angel

you've made the first move, one day at a time I still fear someone knocking on my door, I am the same uptill now have always paid on time with problem it's now due to an insurance payment ending that things are going to start getting more scary, especially from next month, if the bailiffs do knock on the door don't let them in, forget the railway line it'll hurt, yesterday I did something that I haven't done in a long time, I had an hour to myself so had lovely hot bath did my nails and hair and felt just for a short time stress free, keep coming to the boards even when your feeling down have a rant on bad days all the support is here and your definatley not alone. please feel free to pm me anytime if you wish.

Have subscribed

Thanks so much for your support Honeybear, it means a lot x

secretshopper75

Pink-Angel, well done on getting on the DMP road, will be here to support and keep you sane.

Pott5y

Just reading this thread and wanted to say Hi.

It may all seem very daunting right now but in a month or two things will have settled down and you will be over the biggest hurdle.

Admittedly the creditors can sometimes get a bit snotty and sometimes down right rude and horrible but just ignore them. It is just a game to them and they just don't care. They don't deserve to be able to make you feel guilty. You now have the upper hand over them and they won't like it.

Besides they don't have the help and support and friendship of the MSE to help them.

Good luck with it all and keep smiling
Pottsy

Pink-Angel

Thanks very much Kljross and Pottsy! It's great to know there is so much support on here, I'm sure it will be a lifeline for me - as it is for so many already!

dollybeads

How right you are Pink Angel, you see even when you are having a really awful day, you took the time to post on my thread and give me support. What goes around comes around, you will reap tenfold the love and support of all the wonderful DFWers on here.

It is hard and some days are just total crap, but you are doing a good thing, you are not just sitting back and wanting to get things written off, you are working your little socks off to pay it all back, but in a planned and managed way.

And looking at your thread so far, you have come a long long way already. Hope you are able to have a good day today, be kind to yourself, and give yourself some TLC, you certainly deserve it.

Dolly x

Pink-Angel

dollybeads wrote: »

How right you are Pink Angel, you see even when you are having a really awful day, you took the time to post on my thread and give me support. What goes around comes around, you will reap tenfold the love and support of all the wonderful DFWers on here.

It is hard and some days are just total crap, but you are doing a good thing, you are not just sitting back and wanting to get things written off, you are working your little socks off to pay it all back, but in a planned and managed way.

And looking at your thread so far, you have come a long long way already. Hope you are able to have a good day today, be kind to yourself, and give yourself some TLC, you certainly deserve it.

Dolly x

Thanks so much Dolly I do believe that supporting and encouraging each other on this long and windy road will help us all to get through this. Take care x