DMP & Mutual Support Thread - Part 8

Time_to_face_the_music

Today is a very good day in our household. First it is the 25th which means CCCS payments have gone out and I have updated my signature and we are now over the £5000 paid off mark :j

Second, a couple of weeks ago I read a thread on the DFW forum entitled
Lloyds won't freeze interest - has the FOS helped you?

https://forums.moneysavingexpert.com/discussion/3843079

started by Pink-Angel. Pink-Angel had written to the FOS complaining about Lloyds TSB charges on her loan, CCCS and OD and the FOS had managed to get her interest frozen plus a refund of interest paid which added up to over £1000!

We decided to give it a go and rang the FOS about the charges being added by Lloyds TSB and M&S. They sent out letters on 16th May and told us to contact them again in 8 weeks if nothing happened. I set my calendar on Outlook all ready to phone them again - oh ye of little faith and all that :rotfl:

Despite having heard nothing from Lloyds TSB, today I checked my account and have had an interest refund of £175.73

So if one of your creditors has not stopped interest on an account, please please please pick up the phone and ring the FOS

"FOS consumer helpline

Monday to Friday – 8am to 6pm
Saturday – 9am to 1pm

• 0800 023 4567
  free for people phoning from a "fixed line" (for example, a landline at home)
• 0300 123 9 123
  free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

we'll be happy to phone you back, if you're worried about the cost of calling us"

Doing the happy dance here :j

925pws

Time_to_face_the_music wrote: »

Today is a very good day in our household. First it is the 25th which means CCCS payments have gone out and I have updated my signature and we are now over the £5000 paid off mark :j

Second, a couple of weeks ago I read a thread on the DFW forum entitled
Lloyds won't freeze interest - has the FOS helped you?

https://forums.moneysavingexpert.com/discussion/3843079

started by Pink-Angel. Pink-Angel had written to the FOS complaining about Lloyds TSB charges on her loan, CCCS and OD and the FOS had managed to get her interest frozen plus a refund of interest paid which added up to over £1000!

We decided to give it a go and rang the FOS about the charges being added by Lloyds TSB and M&S. They sent out letters on 16th May and told us to contact them again in 8 weeks if nothing happened. I set my calendar on Outlook all ready to phone them again - oh ye of little faith and all that :rotfl:

Despite having heard nothing from Lloyds TSB, today I checked my account and have had an interest refund of £175.73

So if one of your creditors has not stopped interest on an account, please please please pick up the phone and ring the FOS

"FOS consumer helpline

Monday to Friday – 8am to 6pm
Saturday – 9am to 1pm

• 0800 023 4567
  free for people phoning from a "fixed line" (for example, a landline at home)
• 0300 123 9 123
  free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

we'll be happy to phone you back, if you're worried about the cost of calling us"

Doing the happy dance here :j

What fabulous news on the debt reduction, getting interest stopped AND getting a refund :T

Fab.

savvykaz

Ok just a quick update, received letters from Capital one and Santander (re. overdraft) today, both of whom are freezing interst/charges and have accepted our offer through CCCS :j. Just waiting to hear from Tesco (c/c), Santander (c/c) and M&S (c/c and loan).

iwilldoitthistime

great news Kaz! Hope mine go the same way!

I set up my on-line banking with co-op this morning, so Im all up and running for my first payment to CCCS on 10th June. All DDs moved over, so just praying my wages go into the new account, or Im in deep doodoo!

Time_to_face_the_music

925pws wrote: »

What fabulous news on the debt reduction, getting interest stopped AND getting a refund :T

Fab.

Thanks 925pws

Have since had 2 letters from Lloyds TSB and neither makes sense :rotfl:In the first letter, they say they have refunded our interest but the amount in the letter is nothing like the actual amount and they also say they are stopping the £143 interest charges for this month when they had already notified us the charges would be £95. The second letter refers to "our recent phonecall", hmmm we haven't had one Then goes on to say they will be reducing the OD by £88 per month to match our repayment plan but CCCS actually pay them £185.19 per month. So we have no idea what is going on :huh:

savvykaz wrote: »

Ok just a quick update, received letters from Capital one and Santander (re. overdraft) today, both of whom are freezing interst/charges and have accepted our offer through CCCS :j. Just waiting to hear from Tesco (c/c), Santander (c/c) and M&S (c/c and loan).

Kaz this is great news and everything seems to be going so well. Well done and good look for the others :T

iwilldoitthistime wrote: »

I set up my on-line banking with co-op this morning, so Im all up and running for my first payment to CCCS on 10th June. All DDs moved over, so just praying my wages go into the new account, or Im in deep doodoo!

I worried myself sick over that one too and sat up until midnight watching our banks accounts, old and new, to check our wages went into the right one! For once, HR managed to get it right

Hopelessly_Hopeful

Morning all

For the newbies.... my I applied for my DMP online and got the agreement from CCCS in 3 days. I was fully set up with a coop bank account within 5 days. I transferred wages and insisted salary dept sent me proof they were putting into my new account so I didn't come close to a heart attack!

Have just been ferriting in the cupboards as I have so much stuff that needs using up. Am going to try to only buy things to go with what I have in and get it all used up in an attempt to declutter and save some much needed money for the car service and MOT.

Does anyone know how long salad takes to grow?

HHx

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Am going to try to only buy things to go with what I have in and get it all used up in an attempt to declutter and save some much needed money for the car service and MOT.

Do you have a MOT in June too? Ours is due in 3 weeks and we were already a bit worried as our car has a massive mileage and we drive about 450 to 500 miles per week. Then to make it all worse, the ABS warning light came on Friday night and am now in panic mode

I grew rocket last year and we were picking small leaves in a couple of weeks I think. What are you growing?

Hopelessly_Hopeful

Time_to_face_the_music wrote: »

Do you have a MOT in June too? Ours is due in 3 weeks and we were already a bit worried as our car has a massive mileage and we drive about 450 to 500 miles per week. Then to make it all worse, the ABS warning light came on Friday night and am now in panic mode

I grew rocket last year and we were picking small leaves in a couple of weeks I think. What are you growing?

Sounds like we are in a similar position re the cars. I need to get over the next 9 weeks then should be ok. Prefer not to interrupt dmp if possible as I have been victim of the choas that can cause!

I haven't grown anything yet but it makes me cring3 spending £2 on a bag of salad!

Thanks for the info.

HHx

iwilldoitthistime

My MOT is due in June too - Ive put £200 aside for it and praying it wont need anything major. I dont do as many miles (maybe 200 a week) but havent replaced anything major yet and its 7 years old. MOT a week on wednesday, so will be crossing my fingers like mad all day! If it costs less than the £200 I will be celebrating big style

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Sounds like we are in a similar position re the cars. I need to get over the next 9 weeks then should be ok. Prefer not to interrupt dmp if possible as I have been victim of the choas that can cause!

I haven't grown anything yet but it makes me cring3 spending £2 on a bag of salad!

Thanks for the info.

HHx

We are expecting some extra income this month from OH's exam marking but we wanted that to go towards natWest OD not car bills. It looks like the ABS issue could be one of 3 things, one fix is free, one costs a few pounds, the third would write the car off. So we need to 1) jetwash the wheels and hope there is muck on the sensors. If that doesn't work, 2) check the fuse and try replacing. If that doesn't work, 3) use the exam marking money to buy a cheap car but we are both useless so would have to find someone to come with us to the local auction. I think it's time to go and ask my neighbour can I borrow his jetwash then pray.

Last time I was in the poundshop, they had loads of packets of seeds and I think some were for mixed salad. Salads in the supermarkets are a real rip off.

iwilldoitthistime wrote: »

My MOT is due in June too - Ive put £200 aside for it and praying it wont need anything major. I dont do as many miles (maybe 200 a week) but havent replaced anything major yet and its 7 years old. MOT a week on wednesday, so will be crossing my fingers like mad all day! If it costs less than the £200 I will be celebrating big style

Our old faithful is 7 years young too and just hitting 160,000 miles. If our MOT costs less than £200, I think it will be a miracle and I will definitely be doing the happy dance! :j

Fingers crossed for everyone who has a MOT coming up