DMP & Mutual Support Thread - Part 8

pumpkinsoup

Daniel_home wrote: »

Thanks for your advice the other problem we may have is we will be in to are overdraft when the money goes in so when we take it back out it will put as straight back over drawn

As long as its an authorised overdraft im sure u will be fine mine was over drawn to 3000!!:eek:
But u live and learn hey!!
Make sure u keep some savings beore dmp set up cos i have seen alot of posts rom people on here going straight into a dmp with nothing and struggling!! also allow for everything on ur budget so ur not leaving yourself short. Good luck!!

pumpkinsoup

londonfraggle wrote: »

hi - I don't think this is really the right place to put this but I'm having a wobble and hope some of you lovely peeps can help me.

For some reason my company's payroll have today asked me (and a couple of others) to fill in ID verfication forms. The wording is as follows:

"I authorise XXX to approach a credit reference agency with my details below in order to verify my identity electronically to satisfy the Money Laundering Regulations 2007. I understand that in the event that XXX is unable to verify my identity electronically I may be requested to provide documentary evidence as an alternative."



Am quite happy to fill it in - nothing to hide - APART from all my defaults and DMP of course!! I really don't want my company to find out (I hold quite a senior position and deal with company money on a regular basis and don't know what people might think if they found out how rubbish I had been with my own money in the past.



Will this credit reference search lead them to find all of this?



Would be grateful for your thoughts - I'm having a bit of a panic attack about this all now.


Ta v much - and TGIF!!


Fraggle x

Hi i wouldve thought a passport or driving licience request shouldve been enough!! I dont think they can pry into ur credit file but obviously if your signing for credit reference agency they may be able too!! im sorry i cant be o more help and hope someone comes along shortly for u!! x

pumpkinsoup

hi I hope everyones having a fab friday
I am back at work tomorrow after nearly 2 weeks holiday booo!! actually looking forward to it though!! let dh look after the scrapping monkeys for a change hehe!!
one of our new years resolutions was to ditch our faithful sat night takeaway!! so hubbys making fajitas (old el paso pack reduced) he aint that clever and nachos tomorrow yum!!
have purchased a book on my kindle after recomendations on here called the takeaway secret sooo... next week we are gonna be trying the kebabs from there . It looks a fab book even has recipes for big mac, saus and egg mcmufin and various curries should keep us going lol!!
I have been reading some money saving tips ans so far have squeezed my loo roll tube so the little monkeys cant roll to much off!! and watered down my washing up liquid lol!! think im getting in to all this!!

BlushingRose

londonfraggle wrote: »

hi - I don't think this is really the right place to put this but I'm having a wobble and hope some of you lovely peeps can help me.

For some reason my company's payroll have today asked me (and a couple of others) to fill in ID verfication forms. The wording is as follows:

"I authorise XXX to approach a credit reference agency with my details below in order to verify my identity electronically to satisfy the Money Laundering Regulations 2007. I understand that in the event that XXX is unable to verify my identity electronically I may be requested to provide documentary evidence as an alternative."



Am quite happy to fill it in - nothing to hide - APART from all my defaults and DMP of course!! I really don't want my company to find out (I hold quite a senior position and deal with company money on a regular basis and don't know what people might think if they found out how rubbish I had been with my own money in the past.



Will this credit reference search lead them to find all of this?



Would be grateful for your thoughts - I'm having a bit of a panic attack about this all now.


Ta v much - and TGIF!!


Fraggle x

Hiya, 'fraid I can't help either.
might be a good to repost this into the main forum?

Em586

DCA already?

We are in transition - setting up DMP with CCCS and first payment will go 1st March (we're moving house, need a bit of time/cushion until we sort what the new bills/utilities, etc. will be). CCCS should have had our paperwork at the beginning of this week, and our creditors should have our letters explaining the DMP with a token payment.

Have had phonecalls from M&S (CC) and Barclays (OD) and they were really good about it and haven't called again. Today my husband said he's been getting phonecalls at work (through the main office at school) from a DCA?!?!?! Hasn't rung them back, I told him to write instead, but he doesn't want them calling at work anymore.

I'll find out more about who it is and how many times they've called when he gets home, but would we have been sent to a DCA already? The only creditor we haven't had phonecalls from is Lloyds (OD and CC) but I'm sure my husband has had letters. Our payments aren't even a month late yet!

BlushingRose

well it's happened as I feared. We've run out of money

PinotGrigio41

BlushingRose wrote: »

well it's happened as I feared. We've run out of money

BR, without reading back over the last few posts, is it the 24th your money goes in ? Have you anything in your sealed pot you could use to tide you over for the next few days assuming you have enough food, milk etc ?

BlushingRose

PinotGrigio41 wrote: »

BR, without reading back over the last few posts, is it the 24th your money goes in ? Have you anything in your sealed pot you could use to tide you over for the next few days assuming you have enough food, milk etc ?

yes it is.
No, we have like £1.60 in the pot.

But, I was just coming back to edit my post and say we now *haven't* run out of money.
Mr BR rang the bank to find out what had come out, and it turned out to be a gas DD, but we hadn't had enough in because we'd already paid them once, so it's been returned. The bank has waived charges as we're new customers. We rang british gas to find out why they'd tried to take money out of the account *twice* in the month...they've said sorry and all is now well.
Hopefully.

sickasachip13

Em586 wrote: »

DCA already?

We are in transition - setting up DMP with CCCS and first payment will go 1st March (we're moving house, need a bit of time/cushion until we sort what the new bills/utilities, etc. will be). CCCS should have had our paperwork at the beginning of this week, and our creditors should have our letters explaining the DMP with a token payment.

Have had phonecalls from M&S (CC) and Barclays (OD) and they were really good about it and haven't called again. Today my husband said he's been getting phonecalls at work (through the main office at school) from a DCA?!?!?! Hasn't rung them back, I told him to write instead, but he doesn't want them calling at work anymore.

I'll find out more about who it is and how many times they've called when he gets home, but would we have been sent to a DCA already? The only creditor we haven't had phonecalls from is Lloyds (OD and CC) but I'm sure my husband has had letters. Our payments aren't even a month late yet!

Hi,

Don't panic. If you haven't missed any payments yet then it's likely to be an in-house collection agency (for example, Blair, Oliver, Scott appear to be your average DCA but they're actually the in-house collector for Bank of Scotland, Halifax etc). The debt could've simply been handed to one of these in-house ones to manage - in many ways these are better because they stop % and charges and *most* seem to be fine to deal with.

What's the name of the organisation calling him? Also, you need to try and stop them ringing work phone numbers - you need to tell them to pack it in, there's a template letter on the National Debtline website.

SAAC

PinotGrigio41

BlushingRose wrote: »

yes it is.
No, we have like £1.60 in the pot.

But, I was just coming back to edit my post and say we now *haven't* run out of money.
Mr BR rang the bank to find out what had come out, and it turned out to be a gas DD, but we hadn't had enough in because we'd already paid them once, so it's been returned. The bank has waived charges as we're new customers. We rang british gas to find out why they'd tried to take money out of the account *twice* in the month...they've said sorry and all is now well.
Hopefully.

Oh thats great to hear ! Thanks for updating !