DMP & Mutual Support Thread - Part 8

sickasachip13

Thanks for that Pinot. Can I ask, do you use the SAR route for both? E.g. can I try and kill these two birds with one SAR stone?!

EN, as you say, onwards and upwards. You'll feel great relief soon enough and you'll look on those bad days and be pleased to see the back of them.

SAAC

Hopelessly_Hopeful

Morning DaMPers

Sorry not been around much, work tough this month.

Just to add to the schedule of repayments via % contractual amount or % balance...... I did query this with CCCS in my early days as I couldn't understand the proportions. I was told it was tied into the issue that if you just went on balance then it would be unfair to the creditors that were supporting reduced or frozen interest schemes.

In my view one of the downsides to DMP is the informality of the arrangement. I think we should sign a new CCA guaranteeing the rate etc... but what do I know?!

In the interim, thank crunchie its Friday. Hope everyone keeping their heads above the water.

HHX

Squidge123

Got paid more than expected so going to write letters on Sunday st the library explaining that i'm going onto a dmp and stick a tenner into the natwestvoverdraft while makin £1 token payments to the other debts to keep them happy.

carlyfluck

had a letter from the dca handling my next account, they have recieved stepchanges letter and are stopping all contact for the next 30 days whilst payments get sorted,
just lloyds to go as we havent sent letters yet as my wages wont be changed till 29th
but had a letter from lloyds loan saying why have you cancelled dd etc so will send a letter back saying because we cant afford it lol,
hope everyone is ok, our 1st payment goes to stepchange on 1st dec, they are all so nice, x

jubilee14

hi all thank goodness its friday been away with work all week so expenses have racked up need to get them in. Also while away got a letter from Halifax with statement statement shows new DMP arrangement as minimum payment due.. fine. But have applied full interest which will mean that the DMP wont cover all the interest. Have written to them twice with two months token payments asking to reduce/freeze interest. Will do one more time and by next month if they are still applying interest ( given by then they will be receiving the DMP payment) will write to FOS. Annoying as they have stopped fees on OD and Barclays have stopped on their card. Have an HBOS loan too but as dont get a statement from them monthly not entirely sure what theyre going to do as havent had anything from them on this yet.

anyway need to check my bank account now as travelling will have taken a hit.

Hope everyones having a good Friday.

Growurown

Afternoon all,

Just want to say hi to all the newbies:wave:

DMP ticking along, everything pretty quiet at the mo.

Putting the slow cooker to good use - had duck cassoulet.

Have a good weekend everyone.

Time_to_face_the_music

Growurown wrote: »

Afternoon all,

Just want to say hi to all the newbies:wave:

DMP ticking along, everything pretty quiet at the mo.

Putting the slow cooker to good use - had duck cassoulet.

Have a good weekend everyone.

Hi to all the newbies from me too :hello:

There is no such thing as a daft question and we are all in the same boat here so no judgement and recriminations :T

This is a fantastic place for experience, advice, help and support ... or for just having a moan or a whinge on those bad days we all have sometimes so please stick around


Pssst GUO .... Mmmm duck cassoulet sounds mighty fine. Did you get the duck from the pond in your local park? :rotfl:

grant1wish

Hi All,

Got my first default letter from Santander for a dormant Overdraft.

Just wondering as it is an overdraft that is not over it's limit can they actually default me as there are no terms regarding minimum monthly payments. For 12 months I haven't paid anything to it, now I am paying £12 a month via SC they are defaulting me.

Not concerned by the default, sooner the better but just unsure if they should be doing it or not.

Thanks

G1W

pmhtuk

I've successfully claimed back my charges (and interest) from Creation Finance for the charges they applied when going over the credit limit and for late payment

Credited to account, so balance has dropped more. Yay!

stupid-fool

pmhtuk wrote: »

I've successfully claimed back my charges (and interest) from Creation Finance for the charges they applied when going over the credit limit and for late payment

Credited to account, so balance has dropped more. Yay!

Well Done :T

Creation are also one of my creditors who have not yet responded to the DMP offer from StepChange - can you tell me a little more about your experiences with them?