New Dmp Mutal Support Thread

newlywed

Ex-Spendaholic wrote: »

Newlywed, you don't have to phone CCCS, you can do it online. I'm not sure about Payplan.

Thanks. I filled in the Payplan review form with my details etc and they sent an email saying they prefer you to ring to go through person to person and please ring them.

I'll definitely check out CCCS then, thanks.

I just feel like such a stupid idiot that at 30-something I'll be crying on the phone to a stranger because I've been stupid and took various consolidation loans and still ran up too much credit.

TOTALLYFEDUP_3

Newlywed - I was in the same boat. I did put off for a while as the whole thing was so scary and admitting just how much of a mess you are in to someone else just made everything so much more real.

It was the right thing to do tho' and I'm not ashamed to say when I was asked for my kids details I started crying becos' I felt I had failed them totally!

I think whatever company you use you'll be asked to speak to someone to confirm everything - account numbers and balances etc. It's not an easy phone call but you do feel better for doing it.

The sooner you get the ball rolling, the sooner you can start making your payments to your creditors which makes you feel better. I can now say I AM dealing with my debts, I've got a bloody long way to go but it's a start and we all have to start somewhere!

Good luck!

Gemmzie

Mint are a bit of a pain TBH - they are still charging us interest and messing around nearly two months after all other accounts agreed

teecee152

Hi everyone

WELCOME NEWLYWED!!
When I first called CCCS I was a total state, I had been trying to hide it for so long and when i actually had to admit it (to myself and others) i was in floods of tears. The lady I spoke to was fantastic and asked if I was ok, and did I want to ring back when I felt better.
The people at CCCS are fantastic. They always listen to you and are so helpful. I am sure they have heard much worse than anything you could tell them so don't be ashamed you are doing the right thing, and getting on board with CCCS will really, really help.

Good Luck

teecee xx

95kelly

Hi everyone, how are you all??
Nothing to report here, no letters or phonecalls since last week!! don't know whether thats a good thing or not!:rolleyes:
Been working all weekend so haven't had time to post!! Very tired and just wish i could win the lottery and leave work and pay off all my debts!! AND if i won euro millions, like 100 million or something i would give you all some money to pay yours too, because you can't really spend all that money can you!!!! i can leave in hope:rotfl:
Welcome to all the new members.:hello:

teecee152

Hi Kelly :hello:

What a lovely thought!!

Glad to hear all is fine and nothing nasty received.
Same here, I haven't heard a thing from anyone since i rang them all last week. Hoping cap 1 got the paperwork eventually but think i'll leave it till the end of the week then phone them.

I've got a stinking cold now, so will face them when i'm feeling better.

Does anyone know where smilealot has gone?? Hope she's ok.

Take Care

teecee xx

Bluediamond

Hi everyone...Welcome Newleywed ! ! !

Lloyds and HSBC have finally acknowledged our Payplan figures and they are the last ones. !!

I had a really nasty letter from Lloyds today ( Dated last Monday ) and I called Payplan this morning. They told me they would call me later after looking into it. They did and said that Lloyds and HSBC have accepted.

This has been helped on by the Financial Ombudsman I am sure. It is strange that as soon as they get involved, the calls IMMEDIATELY stopped and the loose ends were wrapped up.

So if you are still on that road to getting the creditors to accept and they are not being very nice to you, sorry being pains in the !!! !, call the Financial Ombudsman..they work wonders.

And I have been offered a goodwill payment from Lloyds of £750 in part payment of my £1900 bank charges that I want refunded....I am still on their tails and the Ombudsman are still dealing with that one !

Anyway, off to work on my last four nights....speak very soon

Sally x

Sea78

Hi all,

So pleased to hear the good news some are having and I hope the post brings ONLY good news tomorrow! I haven't got anything today but am feeling more relaxed about it now.

Upped my olympic challenge target - so feeling good about that. Just want to get cracking with paying off the debt but need to have a smaller target I think - the challenge is good for that, but I might start putting aside part of the challenge money towards a particular debt (even if I only end up giving it to CCCS to distribute, it's good motivation and psychological boost for me).

My OH is making hungry noises at me now so better go and cook something now.

Sea xx

in_debt_again_but_dealing_with_it

Don't know whether I should say anything cause I know we're all struggling but this is about support and I feel completely ignored. Was feeling sooo down yesterday when I posted and received no acknolwedgment at all which made me feel one hundred times worse - thought I could rely on you guys!? Feeling better today but feel have to let you know - I'm sure it wasn't deliberate -or perhaps it was and I'm out of the loop .... please god no!!
On the plus side glad to hear lots of positive noises and good things happening for many. Lets hope we all moving the right way. Love to you all.
x

Sea78

in_debt_again_and_stupid wrote: »

Don't know whether I should say anything cause I know we're all struggling but this is about support and I feel completely ignored. Was feeling sooo down yesterday when I posted and received no acknolwedgment at all which made me feel one hundred times worse - thought I could rely on you guys!? Feeling better today but feel have to let you know - I'm sure it wasn't deliberate -or perhaps it was and I'm out of the loop .... please god no!!

:grouphug: I'm so sorry I missed your message - def wasn't intentional. Glad you feel better today - was it just one of those days? BIg hugs hon!

Sea xxx