New Dmp Mutal Support Thread

Sea78

Lonely -
Sorry to hear about your weekend stress. I hope things are ok tonight with hubby.

I don't know about Payplan - it seems to me everyone's raving about Payplan and not CCCS so perhaps it's whichever one we're not with seems better?:) I often see Payplan mentioned, more than CCCS imo.

Life story wise - married, 28, 2 kids dd - 4, ds- 19 months. Live in NW lancashire having moved up in September from London. Miss London and ache for it!! In debt as had huge salary, dropped £22000 coming up here and now can't afford the repayments (was getting myself sorted in London, although whether it would have lasted is another matter).

Am feeling shattered today - up too late and the missing hour this morning is killing me! Was ebaying like mad but only managed to list 20 items last night, will have to do more tonight and tomorrow but also have to prepare for a 'quality assurance exercise' (ie inspection by Senior Leadship Team) this week - I'm a teacher (11-16) and am slightly stressed although only part time.

I have no shame when it comes to the DMP, everyone knows, apart from OH's friends as he is ashamed and think people will think'poor' when they look at him. He tried to tell me not to tell MY friends. You can imagine my reaction.

Wonder if there's any post at home?

Sea xxx

lonely_2

I think you're right Sea, you do always want what you don't have. Isn't that why the majority of us are in this mess? It's funny you pine for London - I've lived here all my life apart from when I was at Leeds Uni for four years. I loved Leeds but unfortunately the job opps were not as good (and I missed my family) - my hubby, who I met at uni, couldn't have done his job up there either, as he works in Parliament. But one day I hope we will move abroad, somewhere hot and sunny. I think the south of France would be perfect because it wouldn't be too far to visit friends and family, but this is a dream at the moment!

I haven't told anyone apart from one very close friend and another girl at work (who I am beginning to dislike more and more each day). The thing is, I'm not ashamed anymore (I would have been once but coming on here makes you realise there's nothing to be embarrassed about). I am however worried that people will feel uncomfortable asking me to come out. Or that when we go out they will be watching what I spend. I am quite good but I want to have the freedom to occassionally forget about all of this - and the more people I tell, the less likely it is that I can do that. The only shame I would feel is in front of my parents, who are wonderful and have always given me what I wanted. They would be devastated to know I had got myself into such a mess, especially when they were able to manage on not nearly as much as I have.

The other thing is I am a recovering anorexic. I am a healthy weight for my height now but I occasionally obsess about it, without acting on it. I think all this has affected how I behave with money. It has taken literally ten years to face up to the problem of comfort spending - but I think I am dealing with it pretty well the majority of the time.

P.S. Although I don't have any children yet, I do have an adorable little house rabbit who is more like a dog than a rabbit!

in_debt_again_but_dealing_with_it

Hello to everyone - its good to learn a little more about each of us and lovely to know I'm not quite the oldest!
Sorry about the rough day yesterday Lonely - hope all okay now for you.
Scottishmummy I like men in kilts too but only if they've lovely manyly meaty legs - what about yours yellowmonkey and joek are your legs up to wearing a kilt?
All quiet here, no dramatic post but nothing from e and L either despute my threat of the ombudsman :mad: have phone and they insist the offer is in the "post" :mad: we'll see!
Pop in later - love the chatting it really is entertaining and once again thanks you lot - you keep my sane.

Love to you all
xx
:T :T :T

PS: Back on the "good" computer so lots of extra smilies :rotfl: :rotfl: :rotfl:

lonely_2

Thanks Sea, thanks IDAAS! It already has got a bit better. We are talking on the phone - I think we both feel silly. I am cooking for him tonight, to show him that I don't take him for granted. Beef curry with mushrooms and kidney beans!

Joek_2

Not sure about wearing kilts! Years of not showing my legs to the sun means they're far too pale to show off in polite society.

Which is a pity, because if I were a girly, I'd be rather pleased with them...

Obviously, I'd possibly need to shave them a bit though.

edit: Lonely - remember to get the sweeties out!

Ex-Spendaholic

Afternoon everyone. Just got the last creditor on board. :j Had another nasty letter from GE on Saturday. Rang them and got the usual story about how they had got nothing from CCCS etc. He gave me another number and told me to ring it. I rang it 5 minutes ago and told them that the situation is the same with both accounts that I have with them and that the proposal was the same. She agreed there and then to accept. I told her she would get a payment from CCCS in the next day or two and she confirmed she already had.

So there you go I have them all on board now: Hellifax, Egg, Cahoot, Barclaycard, Next, Argos, Studio, GE x 2. :beer:

On the subject of CCCS and Payplan. I went with CCCS as it seemed to be mentioned a lot. I thought originally that Payplan was the package that CCCS used. I'm happy with CCCS. They gave the clout that I needed behind the whole thing. The creditors weren't going to listen without their backing. Having said that I did turn the tables and start harassing creditors to accept the DMP and it worked. I have to say that it is bliss that the phone doesn't ring any more. It did ring on Friday. For one moment I had a minor panic when I seen an 0870 but it was just Petplan following up on an enquiry.

So anyone still waiting to get the DMP fully up and running stop worrying, you will get there on the end.

Right target for this week is that I'm sending a letter to Legal and General to see if I can squeeze anything out of them for the endowment that underperformed. No guarantee I'll get anything but it's just a matter of printing out a template letter and sticking a stamp on it.

Last week I changed my pet insurance. The result is I have 2 free months so no payments in April and May plus I'm getting £50 cashback through Quidco. Going on an ebay listing spree tonight too.

Hope you are all having good days.

Joek_2

Ex-spend - what fantastic news for you!

Really well done and all my congratulations:)

You're giving us all hope (well, certainly me!).

lonely_2

congratulations Ex-Spend, I will try to remember that in times of despair!

daysieblue

WOW!!! I know I haven't posted for a while (been feeling a bit down), but I have been keeping an eye on you all and feel like I missed loads!

I'll add my details first I live in Essex, with DH, DS(9) and DD(5), I'm 34, been married nearly 13 years and blissfully happy I'm an accountant (Please don't laugh!) and not terribly happy in my work at the moment. I think the firm I work for are the only people in the worl to have worse debts than me! No-one knows about our debts (DH & I are working together on this one) although I do keep telling my family I'm really skint. They've all had their own debt problems, but they see me as the "sensible one" so I think for them to admit to themselves what I'm hinting at would difficult.

Funny story - Halifax called home today (DH home with broken tumble drier) and apparently offered me a mortgage! I owe them just over £2k, and they are by far the worst of my creditors. They've increased my balance owed by nearly £200 in two years, through charges and interest. SO I found their mortgage offer quite funny!

Sad story - DH currently at home with Tumble drier man and PS3. Despite a lengthy discussion where I pointed out the madness of spending that money, and how this sort of thing was exactly why we are in debt now, we went shopping yesterday and came home with one. Although I hate justifying it (because I'm not convinced we've done the right thing) my feeling is this - I will be miserable whatever happened. If we didn't buy it I would be miserable because DH would be and because I hate the feeling I would be denying him anything. Buying it, only I am miserable, because of my worry about money, and DH is happy.

So, that's why I'm a bit up and down at the moment, and why I haven't really felt like posting. But I have enjoyed reading all your posts, and they have made me smile

BTW, saw a REVELS easter egg on Saturday, do you think someone might get it for me?

db xx

Joek_2

daiseyblue - sometimes you do have to go a little bit wild. Admittedly, I'd love a PS3, but just can't do it at the mo', but at the end of the day, if it keeps your other half out of trouble for a while, then that's got to be worth something hey?