We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

DMP & Mutual Support Thread - Part 8

1…206207209211212…506

Comments

  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Well if there is no other debt with Lloyds TSB or any of the assocaited banks, at least that means you don't get all the hassle of changing bank account :)

    It's all a bit of an emotional roller coaster at first but the sleep does return and when we saw the first payments going to our creditors and actually making a difference to our debts, I smiled and meant it for the first time in ages :T
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • Lady1982
    Lady1982 Posts: 33 Forumite
    quick question(s) from me if anyone can help.

    my DMP pack came thru but im missing 2 credit statements, 1 from RBS and one Natwest- they told me they could take 15 days to come- can i sent the DMP back and sent the last statements when i get them?

    also my hubby sometimes gets the chnace of overtime so his weekly pay will be a bit higher than basic can i just report this to cccs or am i suppossed to do an average over the month?

    thank u in advance

    Mrs G x
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Lady1982 wrote: »
    quick question(s) from me if anyone can help.

    my DMP pack came thru but im missing 2 credit statements, 1 from RBS and one Natwest- they told me they could take 15 days to come- can i sent the DMP back and sent the last statements when i get them?

    also my hubby sometimes gets the chnace of overtime so his weekly pay will be a bit higher than basic can i just report this to cccs or am i suppossed to do an average over the month?

    thank u in advance

    Mrs G x


    Hi and welcome

    Put the last statements you have for Natwest and RBS in. It shouldnt stop it going ahead. I didn't have all mine.

    Re overtime, just declare the basic as not guaranteed.

    HHx
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi Matty, glad to hear you are getting going with things.

    HHx
  • Lady1982
    Lady1982 Posts: 33 Forumite
    hh,

    thanks hun- i dnt have any as there all on paperless, spose i could ammend this the i would get one x
    Hopelessly_Hopeful wrote: »
    Hi and welcome

    Put the last statements you have for Natwest and RBS in. It shouldnt stop it going ahead. I didn't have all mine.

    Re overtime, just declare the basic as not guaranteed.

    HHx
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Lady1982 wrote: »
    hh,

    thanks hun- i dnt have any as there all on paperless, spose i could ammend this the i would get one x

    Can't you print them from online banking? A few of ours were paperless and CCCS were happy to accept a printed online statement :)
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • matty2712
    matty2712 Posts: 45 Forumite
    Its only me (AGAIN)

    It seems i need a new bank account which i didnt wanto do, but hey ho for this to work its gotta be done,

    Please have anyone got any suggestions on what bank I should go to for a new account.

    :hello::hello:
    “Whenever you want to achieve something, keep your eyes open, concentrate and make sure you know exactly what it is you want. No one can hit their target with their eyes closed.”
    LBM-01/07/2012
    DFD 02/07/2015
    :):):):)
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    I recommend the Co-op but make sure there are no links to any debts.
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • Growurown
    Growurown Posts: 5,498 Forumite
    Debt-free and Proud!
    matty2712 wrote: »
    Its only me (AGAIN)

    It seems i need a new bank account which i didnt wanto do, but hey ho for this to work its gotta be done,

    Please have anyone got any suggestions on what bank I should go to for a new account.

    :hello::hello:

    Hey Matty, welcome to DMP land. Can I ask why you need to change banks now? If your car is on HP you have to keep these payments up and it can't go in the DMP. Have you got other debts with your bank?
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
  • matty2712
    matty2712 Posts: 45 Forumite
    Growurown wrote: »
    Hey Matty, welcome to DMP land. Can I ask why you need to change banks now? If your car is on HP you have to keep these payments up and it can't go in the DMP. Have you got other debts with your bank?

    Unfortunately on further inspection it isnt my car HP, its a personal loan, just checked on noddle,

    Another question for you guys, I havent got all my statements for my provident loans, could i take it of my credit report and send to cccs???
    “Whenever you want to achieve something, keep your eyes open, concentrate and make sure you know exactly what it is you want. No one can hit their target with their eyes closed.”
    LBM-01/07/2012
    DFD 02/07/2015
    :):):):)
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture