DMP & Mutual Support Thread - Part 9

Growurown

Woo-hoo finally had a statement from Aktiv Kapital.

Hi lilysmummy and Lucky Clover, things will settle down soon and lots of good advice and reassurance on this thread so stick around!

ald65

Dear All
Approx 5 and a half years ago we owed approx 90k + and were staring bankruptcy in the face. We started a DMP with Payplan and after a long haul now are down to our last 4 payments.
we had 15 creditors and they all accepted plan, however 2 have added significant interest(:().
I just wanted to say a big thank you to everyone for keeping me sane over the past 5 years and to Payplan who have been amazing.
it has been a struggle at times and i cant believe we have just about reached the end of that long tunnel.
DMP has been life changing.
good luck to all of you starting out it does get easier:)
x

humphrd

ald65 wrote: »

Dear All
Approx 5 and a half years ago we owed approx 90k + and were staring bankruptcy in the face. We started a DMP with Payplan and after a long haul now are down to our last 4 payments.
we had 15 creditors and they all accepted plan, however 2 have added significant interest(:().
I just wanted to say a big thank you to everyone for keeping me sane over the past 5 years and to Payplan who have been amazing.
it has been a struggle at times and i cant believe we have just about reached the end of that long tunnel.
DMP has been life changing.
good luck to all of you starting out it does get easier:)
x

That's great news well done you must be so pleased to have come this far :T

lizzy23

Just thought i'd give you all a sunday morning Giggle, Marbles sent me a letter on Friday,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, saying my new credit card would be arriving shortly,,,,,,,,,,,,,,,,,,, wonder what they would do if i started using it, have a nice sunday everyone lol

Hopelessly_Hopeful

ald65 wrote: »

Dear All
Approx 5 and a half years ago we owed approx 90k + and were staring bankruptcy in the face. We started a DMP with Payplan and after a long haul now are down to our last 4 payments.
we had 15 creditors and they all accepted plan, however 2 have added significant interest(:().
I just wanted to say a big thank you to everyone for keeping me sane over the past 5 years and to Payplan who have been amazing.
it has been a struggle at times and i cant believe we have just about reached the end of that long tunnel.
DMP has been life changing.
good luck to all of you starting out it does get easier:)
x

Well done and thank you for sharing.

What's the plan after DFD?

HHx

Hopelessly_Hopeful

Growurown wrote: »

Woo-hoo finally had a statement from Aktiv Kapital.

Hi lilysmummy and Lucky Clover, things will settle down soon and lots of good advice and reassurance on this thread so stick around!

Woop woop. Pleased to hear about the statement. No surprises I take it?

HHx

Hopelessly_Hopeful

Lucky_Clover wrote: »

Just starting my Debt management plan and have informed all my creditors. Start paying Step Plan from the 1st June. Have already heard from Barclay Card to say they are freezing my account- not sure whether that means the interest too. Nationwide seem to be writing/phoning me each day -- hopefully that will settle down-- they are my creditors x4 and are refusing reduced payments from SP on my gold card.

Anyway reading the posts here are quite reassuring-- looking forwards to seeing my debts start to go down.

Welcome to the family. Good luck for a smooth start up.

HHx

Hopelessly_Hopeful

lizzy23 wrote: »

Just thought i'd give you all a sunday morning Giggle, Marbles sent me a letter on Friday,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, saying my new credit card would be arriving shortly,,,,,,,,,,,,,,,,,,, wonder what they would do if i started using it, have a nice sunday everyone lol

Morning


I'd suggest you stick it in a file to remind you left and right arm don't know what each others doing!

HHx

bertman

Hopelessly_Hopeful wrote: »

Morning


I'd suggest you stick it in a file to remind you left and right arm don't know what each others doing!

HHx

You are right there HH. We had a letter from Fortis saying that that our debt had been passed to them, when I rang though they have absolutely no record of me, my debts or anything else!! They suggested waiting until another letter turns up and then ringing them. How great would it be if they had "lost" my debt!!! You can always dream..

We are going to spend the day trying to find a cheap cooker now that ours has decided to go on the blink! Typical:mad:

We seemed to be doing quite well on the DMP, things had settled down and we were living pretty well on our budget. NatWest have stirred things up this month though by closing our bank accounts (which we haven't used since June 2012), they have written to everyone who we ever had a DD with which has brought us an avalanche of post even though we set up a new account and have been using this for nearly 12 months. Still I guess this is our penance for going on a DMP!

bertman

ald65 wrote: »

Dear All
Approx 5 and a half years ago we owed approx 90k + and were staring bankruptcy in the face. We started a DMP with Payplan and after a long haul now are down to our last 4 payments.
we had 15 creditors and they all accepted plan, however 2 have added significant interest(:().
I just wanted to say a big thank you to everyone for keeping me sane over the past 5 years and to Payplan who have been amazing.
it has been a struggle at times and i cant believe we have just about reached the end of that long tunnel.
DMP has been life changing.
good luck to all of you starting out it does get easier:)
x

Well done ALD, it does show you that even with significant debts that it can be done. We still owe over £60k which is a huge amount to us. My first house cost me £30k so this kind of puts it in perspective!