Well I'v done it ... now just waiting

woody24

I sent all my paperwork to CCCS at the weekend to set up my DMP and sent my letters to my creditors to prewarn them what was coming ... I made all my standard payments at the end of january so Im still at the point of making no late payments and I thought it was better than giving them the token payment, at least they can see Imd esperately trying. Although I have no money in my account at the moment for petrol or food until teh end of the month as a result! DOH!

there are only 4 creditors (well 3 in fact because two are shop direct catalogues) and I THINK that my monthly payment is acceptable ... I just HOPE ... barclays are my biggest challenge as I have a 15k loan with them ... but assumingly they will get the biggest chunk of the £250 payment plan i hvae set up so Im hoping they might go easy on me. Im waiting and terrified everytime the door knocks or the post comes :-(

I guess it's just a waiting game now

Tixy

Hi

Good luck, hope your DMP works out well for you. Most creditors huff and puff a bit at the start of a DMP but most settle down after a month or so.
If they start ringing to hassle you there is a template letter you can send to have all communication in writing.

askmeafavour

Thanks for the advice. Im just keeping everything crossed that they arent going to be overly troublesome. Im so willing to pay the debt back hence not opting for bankruptcy so I hope they see it like that too :-) x

askmeafavour

I just realised I have 2 logins as I thought one didnt work!!! DOH! So Im "askusafavour" and woody24! I'll revert back to my woody24 now i know it works okay! confused.com ;-)