DMP I cant afford payments while on maternity leave

kaths101

Hi, just after some advice.
I have a DMP with the CCCs set up for over a year (owe £30k) and did quite well with payments etc, I am expecting a baby this week and had to drop my payments the last 3 months to £50 (only £5 per creditor) due to having to buy baby things. I have started receiving some really nasty letters now and once I start maternity leave in a few weeks - only earning £128 a week instead of £300 we wont be able to afford the £50 a month - what will happen??
Of course I am planning to go back to work after a few months, Will the creditors wait for a few months (up to 6 months) for me to up my payments again or are they going to start with baliffs etc
I would like to keep paying £50 a month to them so at least they get something but its not alot. Im worried

Aymz

I wouldnt mind knowing the answer to this as I'm due to go on maternity leave beginning of July, although my wages wont be reduced until march as i get so many weeks @ 90% of my pay.
Im not on a DMP with any company, i've written to all creditors and have had them agree to repayments, unless hubbys hours at work go up (he's only p/t at the minute) i can see myself having to reduce the payments by half. Which i really do not want to do, because if i can keep it up, i'll have got rid of them by the end of next year
perhaps send them new temporary offer of repayment along with income/expenditure and say you are happy to review in x months time?

RAS

Contact CCCS and tell them and do a new SOA based on your new income and expenditure.

heatherks

did you contact CCCS or write to the creditors before you reduced your payment's explaining that you will only be able to pay £xx for the time being and the reason