doodah's diy dmp diary

doodah

thanks bunnie, we are getting there. we only smoke roll ups now and that £43 is for 2 of us per month so it could be a lot worse.

weller, i did it myself. i can email it to you if you want?

moonlightpjs

doodah wrote:

thanks bunnie, we are getting there. we only smoke roll ups now and that £43 is for 2 of us per month so it could be a lot worse.

weller, i did it myself. i can email it to you if you want?

Yes please

moonlightpjs

weller711 wrote:

Yes please

Sorry, don't know how to send a PM with my e-mail address

doodah

click on my name then send a private message

doodah

received a letter from hsbc today, they are demanding the full amount (£1024) within 14 days of the date of the letter (21st!) unless i propose a satisfactory payment plan. i sent off letters to all my creditors on the 20th... not sure if i should ring them to make sure they've received my letter now? also received letters from kensington about our 2 smile overdrafts and my loan, saying they'd accepted our offers of payment. do you think smile will accept my new offers that i've sent myself, rather than through kensington?

another problem we now if is that hubby's just been taken on from temp to perm in his job which is great obviously. buuutttt this means he's going from weekly to monthly pay so 2 months without pay!! i know there's not much we can do about this but just thought i'd write it down and get it off my chest.

Kazonline

Hi Doodah, are you still planning on doing a DMP on your own or have you tried CCCS? I'm asking because I'd imagine that they'd be able to give you some advice re having to wait 2 months for hubbies pay.
I don't have anything more helpfull to suggest I'm afraid, but your thread should now be back on the first page so hopefully someone with abit more knowledge will spot it
Kaz x

doodah

thanks kaz we're still gonna do it ourselves, we've sent the letters with our soa so just waiting for replies now.

doodah

woohoo, received a letter from mbna today saying thank you very much for sending us your statement of affairs, please call our freephone number to discuss it.. is this a good sign? at least it's not an outright no. still waiting to hear from smile, hsbc and barclaycard

doodah

i had a phonecall from virgin (mbna) today to say they can't put me on a payment plan, as i offered them more than my minimum payment is anyway (doh!) they said my miniumum payment is around £30, which works out at about 1.5% of the balance which isn't what it says in my contract... strange. anyway, they want me to pay £78 in january, then £65 in february to clear my arrears, they've stopped any late payment or overlimit charges until i pay off my arrears. does this sound reasonable?

Gemmzie

Hi doodah, just wanted to say hello as I've been following your thread.

I'm at a similar stage as you, letters sent and waiting for replies

Best of luck