DMP & Mutual Support Thread - Part 8

Ellieseleven

Just been through another review with CCCS as the HP on our car finishes this monthly and our month dmp payment jumps by £254 per month!:eek: but.... our debt free date comes 3years and 2 months closer:j

I don't think that I have ever been so happy to pay more to something:o We can now see more than a chink of light at the end of the tunnel

Over the last 18 months our DFD has gone from Nov 2022 to Mar 2017... so to everyone starting out, hang in there it does get better:)

Take care
Ellie xx

cloudy-day

Hi, have just started a new thread re F&F here:
https://forums.moneysavingexpert.com/discussion/3793515

Its all a bit complex so didn't want to take over this thread but really grateful for any help from all the good peps here!

Thanks

Daniel_home

we are into first few week of are Plan So far lloyds have accspted are offer which is for 5 diffrent thning 4 loans and over draft

RBS (lombard dirct loan) Havent and that was for the lowest amoung of £2,600
anyone advice on what they may do next

Still waiting on marks and Tesco for credit card

But feels good to be doing something

sickasachip13

Hi Daniel,

Tesco have been no bother at all with us. FWIW, MBNA never accepted our DMP - well, that's what they said, but they accepted our payments for over a year before selling the debt and the % was frozen. Usually CCCS/Payplan basically send the payments to the creditor anyway and see what happens.

SAAC

BlushingRose

Well, I've updated my 'struggling' thread - please be kind...

grantalien

Ellieseleven wrote: »

Just been through another review with CCCS as the HP on our car finishes this monthly and our month dmp payment jumps by £254 per month!:eek: but.... our debt free date comes 3years and 2 months closer:j

I don't think that I have ever been so happy to pay more to something:o We can now see more than a chink of light at the end of the tunnel

Over the last 18 months our DFD has gone from Nov 2022 to Mar 2017... so to everyone starting out, hang in there it does get better:)

Take care
Ellie xx

This reminded me, my car finance situation has hopefully resolved itself, 3 years up on my renault selections and I was having a panic about where I would go next, apparently renault finance told me they will make me an offer to spread the remainder (balloon pmt) over the next 24 months, this will be based on my record with them - hopeful this will resolve my issue about how I was going to hold onto my reliable car

Mort

Ellieseleven wrote: »

Just been through another review with CCCS as the HP on our car finishes this monthly and our month dmp payment jumps by £254 per month!:eek: but.... our debt free date comes 3years and 2 months closer:j

I don't think that I have ever been so happy to pay more to something:o We can now see more than a chink of light at the end of the tunnel

Over the last 18 months our DFD has gone from Nov 2022 to Mar 2017... so to everyone starting out, hang in there it does get better:)

Take care
Ellie xx

That's a big difference and must feel great.

Growurown

Hey BR what happened about the car?

My car has gone in today, needs a new clutch and I have been quoted £600 just for the parts alone. With the labour the cost is going to come to a lot more than I have got. I will have to contact CCCS but not sure how much I will be allowed to reduce my payment by. However no car, no job and then no one would get any money. :rotfl:

Now I know some of you will be spluttering your coffee everywhere when you exclaim £600 !! Just for parts!! Yes sadly it is true I have cross checked the prices out and it is nearly £400 just for the fly wheel alone. Maybe I will get lucky and it won't need replacing. The brakes will need doing soon and the service is overdue.......sigh

Hey ho it's only money.

BlushingRose

Growurown wrote: »

Hey BR what happened about the car?

My car has gone in today, needs a new clutch and I have been quoted £600 just for the parts alone. With the labour the cost is going to come to a lot more than I have got. I will have to contact CCCS but not sure how much I will be allowed to reduce my payment by. However no car, no job and then no one would get any money. :rotfl:

Now I know some of you will be spluttering your coffee everywhere when you exclaim £600 !! Just for parts!! Yes sadly it is true I have cross checked the prices out and it is nearly £400 just for the fly wheel alone. Maybe I will get lucky and it won't need replacing. The brakes will need doing soon and the service is overdue.......sigh

Hey ho it's only money.

Hiya, picked it up today, it's been in since Monday.
It was the exhaust valve after all, and it's nor purring like a kitten and is waaaay more responsive than it's been for months so you can find yourself half way down the street by accident. However, it cost us £225 but the amount that the CCCS didn;t take covers this so it's not all bad. Just means that the predators only got £1 token payments this month.

We've also arranged with CCCS for them to take less per month now anyway so the predators will be unhappy and we'll probably get letters, perhaps even defaults, we'll have to wait and see - now means our DMP is 14 years to pay off currently!

Shiraz69

Hi Blushing Rose glad u got sorted Im sure you will be able to make missing payment up in future. I got a reply back from cccs saying they have refunded last months payment back for me to buy a cheap car but have told me to ring creditors and tell them the situation because they have minimal contact with them.Do u thing I should ring them or juat see what happens. Thanks