New Dmp Mutal Support Thread

Ex-Spendaholic

Hi everyone

Nice to see so many of us who can chat together. :j

Kelly that's great that Next have accepted your reduced payments. They are one of my creditors. I owe them about £700. Not bad when I have nothing from there to show for it.:eek: :mad: It's been clothes for my little girl over the past few years. Never again. Where they easy enough to deal with?

The Hellifax have me on that autodialler thing. I'm sure they ring about 10 times a day. I know I should answer but I couldn't be bothered with the "can you make a payment now by debit card" spiel that you get each time. Thank god for the silent function on phones. :rotfl: I sent them the standard CCCS template letter and I'm sure they've heard from CCCS by now too.

Just got an email today to say that I haven't been accepted for AQA. Awe well, more time to waste chatting on here. :rotfl:

Made my first payment. The scoundrel in the PO charged me £2.20 for the privilege. :eek: Therefore I'll be setting up a DD or posting a cheque.

95kelly

Ex-Spendaholic
Next were easy to deal with, i just sent them the template letter and then yesterday i recieved a letter saying that they were pleased to be able to accept the payments!! They have frozen interest and as long as they get the payment on time(from CCCS) then they will continue not to charge interest or anything. Didn't even get a phonecall!!
I have a CC with the Halifax but haven't heard anything from them yet.
How long was it before creditors started to contact you??
K x x

Gemmzie

As far as I knew lump payments should be spread pro-rata between all creditors. Paying off only one can upset the others, as they know who you are paying because they see your budget information.
They may re-instate interest and start hassling for payments again

Sea78

oops - really? Ignore me then The man from CCCS said that I would be better doing it that way although CCCS official line is to spread it across them all.

Sea xx

golddigger_3

Originally Posted by Gemmzie
A question for all you DMP-ers, especially the ones who are Self Employed or are building up extra income through ebay etc.

Are you going to use the extra money to live on as treats which aren't included in the budget? Or are you saving it as a lump to make F&Fs?

Hi Gemm

When I earn extra money at work (estimated £1000 a week , worst week Ive had £445, best week £2000) I am planning to pay off bits and pieces and hopefully leave a black bank balance at the end of every month. At the mo though I have to find another £300 for a holiday which Ive already paid £1600 towards - so wont be cancelling it or will lose the money! (Hardly moneysaving!!!)

Congrats to all other March DMPers.

Ex-Spendaholic

My situation is:

Hellifax CC - 15 calls per day which I am ignoring. Should I answer them, give them the CCCS ref number and tell them to go away in the meantime?

Barclaycard - 1 nice letter saying they would suspend interest until 28 Feb and await CCCS

Egg Card - email to say they would await CCCS

Cahoot - said they would await info from CCCS

Next - no contact other than nasty letters

Argos - no contact other than nasty letters

GE Capital (2 cards) - sending statements. Advised on phone that CCCS would be involved


Good to hear you got on well with Next. I believe Barclays are easy to deal with and have read that Cahoot are ok too. I'm most worried about Hellifax and Egg. Worried about GE too but what I owe them is a drop in the ocean in comparison to Hellifax and Egg.

Ex-Spendaholic

Oh I just got car insurance. Current insurer quoted £450. Got it from Direct Line for £297 and £65 cashback via Quidco. Well pleased about that.

golddigger_3

Hi ex

I would Halifax of the CCCS - at least the phone calls would stop.

Ex-Spendaholic

This is a really daft question but I'll ask it anyway. :rotfl:

I have 2 catalogues. I don't owe either of them a penny which is a surprise as I owe to the rest of the world. :rotfl: Anyway I'm wondering is it ok to use the monthly clothing allowance that CCCS have set to buy from there? I know technically it's credit and you aren't supposed to get more credit but in a way it would keep me away from shops. We aren't talking major stuff here, just the odd pair of trousers for work when necessary.

Ex-Spendaholic

Golddigger you should be debt free pretty quickly if you keep it up at work. :T