DMP & Mutual Support Thread - Part 8

kitkat34

Thank you all for your replies it really does feel good to talk to people who know how your feeling.

SAAC- i read your blog a bit ago it helped me to realise we need to sort our mess out thanks.

HH - thanks for the info on cashflow i looked it up spoke to national debtline who were great they got me onto cashflow and i have filled the budget in and have an appointment to go over it so they can lock it on thursday afternoon.

I really am feeling so much better that everything is being sorted and a little scared that everyone will say no but i will stay strong afterall they cant have what i aint got

oh and could i have a number to join you.

now i gotta go as im about 10 pages back trying to read all the old posts and chat on here is quite a skill in itself.

Pink_Fairy_2

Please may I have a number? I'm really enjoying reading everyone's posts. You are all an inspiration. Thank you! :T And I've found an app for my Blackberry to track expenses.

sickasachip13

Hi all,

Thanks for your comments re: my organisational skills. TBH, it's nothing special / rocket science, but I am quite disorganised as a person and it helps me to have a routine. It also makes me feel a lot more in control of the situation and I *love* looking at the debts diminishing!

BTW, have all us DMPers seen this article about a day in the life of CCCS? Very interesting:

http://www.guardian.co.uk/money/blog/2012/feb/07/cccs-callers-60m-debt-mountain

SAAC

DFW2012

Hi Pink Fairy,

Can you share the app for a Blackberry please?

Thank you

banks4u

Has anyone who is an agreement checked their credit file? I wonder if natwest and Halifax issue defaults if you go in a dmp

ianmak

banks4u wrote: »

Has anyone who is an agreement checked their credit file? I wonder if natwest and Halifax issue defaults if you go in a dmp

You stand a very good chance of getting defaults on a DMP, because you are defaulting on your payments after all.

Pink_Fairy_2

DFW2012 wrote: »

Hi Pink Fairy,

Can you share the app for a Blackberry please?

Thank you

Hi

It's called Money Menttor Free and yes, it does have two Ts. I'm still working on getting it set up, but it looks good so far.

Pink_Fairy_2

Evening all

I now have another dilemma. I spoke to CCCS again today, but am still awaiting a balance from one creditor who cannot find any record of my account with them, although as I told the person on the phone, she would find it quickly enough if I stopped the payments.

CCCS said we can enter into a DMP with them if we wish, but it's enitrely up to us. Our circumstances will improve when hubby is fit to return to work, although that could be at least another 6 weeks according to the GP this morning. We will also have more "spare" cash to throw at our debts as soon as the mortgage arrears are cleared in July ie from August onwards. There is a catalogue which is requesting a specific amount which will clear that debt by October, whilst others go short, but with those two out of the way, we will have triple the amount from November onwards.

Now I'm not sure whether to go with the DMP or to continue with the arrangements currently in place? Any suggestions gratefully received. :huh:

Hopelessly_Hopeful

Pink_Fairy wrote: »

Evening all

I now have another dilemma. I spoke to CCCS again today, but am still awaiting a balance from one creditor who cannot find any record of my account with them, although as I told the person on the phone, she would find it quickly enough if I stopped the payments.

CCCS said we can enter into a DMP with them if we wish, but it's enitrely up to us. Our circumstances will improve when hubby is fit to return to work, although that could be at least another 6 weeks according to the GP this morning. We will also have more "spare" cash to throw at our debts as soon as the mortgage arrears are cleared in July ie from August onwards. There is a catalogue which is requesting a specific amount which will clear that debt by October, whilst others go short, but with those two out of the way, we will have triple the amount from November onwards.

Now I'm not sure whether to go with the DMP or to continue with the arrangements currently in place? Any suggestions gratefully received. :huh:

Morning

Hard to make a judgement call on this in isolation. Depends on other debts duration etc. Have you considered posting a SOA?

HHx

PinotGrigio41

kitkat34 wrote: »

Thank you all for your replies it really does feel good to talk to people who know how your feeling.

SAAC- i read your blog a bit ago it helped me to realise we need to sort our mess out thanks.

HH - thanks for the info on cashflow i looked it up spoke to national debtline who were great they got me onto cashflow and i have filled the budget in and have an appointment to go over it so they can lock it on thursday afternoon.

I really am feeling so much better that everything is being sorted and a little scared that everyone will say no but i will stay strong afterall they cant have what i aint got

oh and could i have a number to join you.

now i gotta go as im about 10 pages back trying to read all the old posts and chat on here is quite a skill in itself.

CASHflow has worked well for us so far, it was really simple and all of our creditors have accepted our offers for now. Hope all goes well for you this afternoon.