DMP & Mutual Support Thread - Part 9

Time_to_face_the_music

supersavershal wrote: »

Hi everyone, Ive just asked this on the ask a debt advisor a question but il ask your opinions too.
My DMP with stepchange started in February, my payment is taken on the 10th which is usually fine and most creditors playing ball.
My car has just had MOT and needs some work doing on it. I cannot manage without my car so need to get the work done. My emergency fund was wiped out with repairs to house when bad winds hit last month. Do you think stepchange will let me pay on the 14th this month, just once so I can get repairs done? DH gets paid on 14th so can replace the money I need for repairs. Do you think they might allow this? Hopefully next time Il have a healthier emergency fund.

Oh I know all about emergency funds being wiped out with car and house repairs, both of ours seem to be money pits. You really do have my sympathy.

I think you need to ask StepChange but I am almost sure that we made a payment late once and did it by bank transfer rather than DD.

Check with them today just to be on the safe side and make sure you cancel your DD then set it up again.

Good luck with the car

Time_to_face_the_music

antonic wrote: »

Thanks HH !

I will post on the Roll of Honour once its been confirmed I am DF.

Congratulations and very well done antonic :T

I look forward to seeing the debt badge next to your name soon :j

Find_The_Real

Congratulations Antonic on the final payment made and being debt free (subject to confirmation!) Well done on completing the debt free wannabe journey and may I wish you all the very best for the future. Now go get that badge of honour we all want to get some day.

antonic

Thanks Find,

I will apply for the badge soon !.

Find_The_Real wrote: »

Congratulations Antonic on the final payment made and being debt free (subject to confirmation!) Well done on completing the debt free wannabe journey and may I wish you all the very best for the future. Now go get that badge of honour we all want to get some day.

Newchapter

Dear all fellow DMPers

I've tried a few times to save a small fund for F&F settlements. The closest I have got is just under £1000, but every time I think I am getting somewhere, another 'emergency' appears, leaking roof, car problem, etc you know the story.

How have you managed to save for F&F settlements? Any tips?

thanks

BlushingRose

hello folks *waves like mad*

Missed me or have you all forgotten me? lol

antonic

Hi BR !

How can we forget such a nice person like you ??

BlushingRose wrote: »

hello folks *waves like mad*

Missed me or have you all forgotten me? lol

poohbear59

Well done antonic!!!! You are an inspiration, it is good to see it is possible to end a DMP.

My journey is still in it's infancy. It is quite strange how different the various banks behave when they receive a DMP letter. I heard from coop, capital1 and LIoydstsb immediately but nothig from b4rclaycard. I have just phoned them and they have agreed to freeze interest for us. Phew!

I am over my limit on b4rclaycard so need to find £79 to put me within credit somehow. Not sure but I am presuming I will be charged for being over limit??

poohbear59

Still_skint wrote: »

Just completed the final step with payplan. First payment comes out on 18th June 13. Wish me luck.
In the meantime 2 or 3 of my creditors will not have received any payment. What should I do about that ?

Hi Still skint, I can't answer your question but I am at the same stage as you with Payplan so just wanted to wish you luck o your new journey.

Growurown

antonic wrote: »

Good people of this august site, I am proud to announce that I made my last payment to Payplan today

:j :j :j :j :j :j :j :j :j :j :j :j

BlushingRose wrote: »

hello folks *waves like mad*

Missed me or have you all forgotten me? lol

:hello: Hey BL hope all is well with you and Mr. BL. How is your DMP going?