DMP & Mutual Support Thread - Part 8

Hopelessly_Hopeful

Time_to_face_the_music wrote: »

Get a big fur hat on and you'll be looking like a Russian general

Should you be speaking to someone above your rank like that Mrs?!:rotfl:

HHx

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Should you be speaking to someone above your rank like that Mrs?!:rotfl:

HHx

I think I may call you FFMSSF from now on or should that just be Ma'am? :rotfl:

Hmm can I make 619 posts today and be as important as you? How many do you need to be a 5 star general? I like the look of :starmod::staradmin:starmod::staradmin:starmod:

Have told you before it's Ms TTFTM, my OH and I share a lot of things but not a name

GibbsRule_No3

Alice_in_Welfareland wrote: »

It's too early to tell, I only took the DMP over from Stepchange this month. My new payments are very different to those administered by Stepchange and this concerns me as to how the creditors will react. Time will tell and I will report back.

Sorry, don't often post in this thread but I will also follow your progress with interest. Thanks to a PPI I have lost two creditors, can loose another and be just left with one. Unfortunatlely it is the one that has been charging interest, thus taking nearly half of what I pay them each month. I am on a DMP with Pay Plan, who have been good but I don't want to pay my entire monthly DMP to an interest charging creditor. I'd want to pay them less than the "disposable" income Pay plan say I have, especially if they still charge the amount of interest on the higher payment. So think I might have to self manage my DMP from this point forward. The creditor would still be getting more than they are with PP just not the full DMP amount I pay monthly to PP at present, so I would hope they might accept unless PP have told them what my monthly dispoasable income is. Good luck with yours.

Enough_Now

Hi all

Just a quick update to say that the DMP process seems okay so far.

I've heard back from just over half of my creditors so far, all accepted DMP - three stopping interest and charges and one has halved my interest. All in all a pretty good response.

As has been said on this board before, my debt total has risen this month, due to charges/interest for last month. At least I know it should be getting better in the New Year.

Thanks for all the information and support so far.

Looking forward to a more positive New Year, now I'm back in charge of my finances, rather than the other way round!

Merry Christmas everyone

Growurown

Hopelessly_Hopeful wrote: »

Morning DaMPers

Hope everyone having a good weekend. I've been promoted to 4 star medals, yippee!

HHx

Well done HH. I'm sure you don't look anything like a Russian general:D

Hopelessly_Hopeful

Enough_Now wrote: »

Hi all

Just a quick update to say that the DMP process seems okay so far.

I've heard back from just over half of my creditors so far, all accepted DMP - three stopping interest and charges and one has halved my interest. All in all a pretty good response.

As has been said on this board before, my debt total has risen this month, due to charges/interest for last month. At least I know it should be getting better in the New Year.

Thanks for all the information and support so far.

Looking forward to a more positive New Year, now I'm back in charge of my finances, rather than the other way round!

Merry Christmas everyone

Great news. You have done well for some of them to stop in the first month.

HHx

Time_to_face_the_music

Growurown wrote: »

Well done HH. I'm sure you don't look anything like a Russian general:D

You are just saying that in case she sends you to Siberia

katy_ann

I am STILL having problems with Very/Shop direct, they just refuse to accept that they have recieved any paper work from Stepchange regarding my DMP but funnily enough they had my DMP client reference number when I phoned them! Oh well, after speaking to Stepchange they have informed me to write to Very and have proof of the letters being sent and recieved, so we shall see where this goes! x

fermi

Time_to_face_the_music wrote: »

But it's a CCCS (now StepChange) blog and MSE seems very keen on StepChange recently, so I would have thought one more chance to promote their services would be encouraged.

Doesn't matter who's blog it is. You are not allowed links or instructions like that in your signature without permission.

For example, I still had to get permission for the ones in mine. Even though they were to CCCS, NDL, CAB etc.

If SAAC emails the forum team and asks permission, they may give it.

jubilee14

HI all i am in month 2 and not going quite to plan at the moment. Hfx CC still charging full interest have written again to say if they dont will write to FOS to take on. May be looking for a template soon. BOS Loan keep saying they have no record have spoken to SC who say they are having problems with BOS and Lloyds over how they identify loans ( roll nrs against sort code and account nos) so the debt is being held by SC till this is sorted.

Barclays have said they will charge 6.9% but didnt show up on this months statement as yet. and OD is ok although i supsect a pile of charges at the end.

So think my estimated DFD could push back just worried Hfx not stopping interested could push me out of DFD for like 15 years.... But at least at the moment am paying a set amount so even with xmas on the horizon i have enough to buy for dinner. Aldi turkey this year so will report back on how nice it was have a good week all.