New Dmp Mutal Support Thread

amani_2

ilovegreatdanes wrote: »

thanks sea78 for your concern.
amani,forgot to say about dmp.before cccs i was on my own dmp from 1996 but started with cccs cos you send one payment for them to distribute instead of me taking 13 giro slips to bank on different days to pay and foning 0870 numbers for more slips,etc.good luck with yours.x

thanks ILGD

I dont understand though, have you had to have your DMP's excepted again because you changed to CCCs?

Scottishmummy

Hi Everyone

Just a quick post for now.
ILGD I'm sure mint can't do that without giving you time to get the balance down to the lower amount. Get in touch with the banking ombudsman.

Sea Bank of Scotland always used to say they hadn't received details from cccs even though they had been sent at least twice. Out of all of our debtors they have always been the worst, yet we have our mortgage with them and apart from the charge we are getting this month due to my error they have always been great as far as that is concerned - different departments obviously.

Hi to everyone else. Hope you are having a lovely afternoon. We had a spot of drizzly rain this morning for about half an hour and it has been lovely ever since albeit a bit cooler.

So where are you Smile?

Joek_2

Hi everyone...

Not been on much recently - lots of work, but also the weather's been so nicely over the last few days, it seems silly not to take advantage of it!

Aside from that, I haven't had anything of note to report - no letters of any note (good thing), and am really just counting the days until the 25th when the official first payment I made to CCCS gets distributed out to all the creditors!

I do hope everyone's okay though (still wading through the posts - as ever, good advice coming through!).

Take care all,

Joe.

ilovegreatdanes

amani,
my fault for not explaining about the 1996 dmp.had diff set of circumstances and mostly paid debts off but still paying two of the creditors from then but cos it was my own dmp,they kept upping the payments and was trying to manage.then got into more different debt(yes, i know!!!) so in the end i couldnt cope and told cccs of every debt, even the old ones.they srted them all out for me.
think im an habitual credit spender and i really believe its a disease.anyway ive paid only cash for everything since starting my dmp and feel so proud.hope that makes it clearer.xx

ilovegreatdanes

scottishmummy-foned mint and they explained they send the default letter then 2 weeks after send the termination letter then 4 weeks after that they stop all the charges.they have accepted the dmp but its procedure.think they do it to scare you into paying but can pay so i wont pay!!!!
just marshall ward to sort now.may have got rest sorted,for 6 months at least i hope.
catch you later.x

yellowmonkey

Hi.

Thought i would pop in quickly before footie starts.

Anyway had a lovely tuna pasta bake and even managed to complete a list of all the tins and stuff in my food cupboards :j :j

Hopefully this will make meal planning a bit easier and stop me buying stuff i do not need.

Come on United !!!!


YM

95kelly

hi everyone!!
How are you all??
I am having a bit of a down day today, just wish i had more money! I know that all of you say that,but sometimes i just wish i had a credit card to spend on. i really know i shouldn't say that.
I can't seem to get my head round a budget and all i wana do is be debt free. i just don;t know how you guys manage to stick to a budget, anyone got any tips?? how much do you live on a week?
I know i really got to do, but just feel so sad today.
sorry for the moan.
hope you all ok and had a good day.
x x

hunteress

evening all
quiet day only got 1 letter from solution who are still ignoring everything ive told them:eek:
hope everyone elses day was as quiet:j

hunteress

hi kelly feel free to moan thats what were here for;)
as for the budget i spending about £40.00 a week to feed 4 and my bus card for work comes out of that as well but i have got a nettos and herons at top of street:) it will become like second nature soon btw bus card is £7.50.
i also go shopping with my mum in law which is great for bogof,s as she pays half:T

Sea78

Kelly - I'm struggling at the moment too with the budget. I think I'd be ok if it were just me and hte kids to consider - I could take tips from IA's thread about being so organised.

I only have the CCCS guidleines about the different budget pots - did well last month, but am floundering a little! Sometimes I so wish I was still on my bigger wage packet (well, who doesn't???!!!) but in order that I would be able to throw everything at the debt and also have a set amount from OH each month that I could be sure of. He's not giving me any money at the moment (but still buying beer and going out). Arghhhh.