DMP & Mutual Support Thread - Part 9

catandy

Quarry wrote: »

Hello again.
I've had my telephone interview with StepChange and my income is not sufficient for them to put in place a DMP. I'll still keep an eye on this forum but I'm obviously not in the same position as most members.
Does anyone know of any homeworking opportunities provided by honest organisations? I'm going to look at the various ways of making extra cash which have been posted on this website, however I really need regular work.
Thanks.
Q.:)

I had the same response from StepChange as you regarding income - did they not suggest you make nominal payments to your creditors until such time you are in position to put together a formal DMP? That was what they suggested for me and although the £1 per month to each of my creditors feels a paltry amount it has been enough for all but 2 of them freeze interest and give me a chance to get back on an even keel with a bit of an income coming in.

dont know if you're in the same situation but it worked for me so maybe worth speaking to stepchange again - first time I spoke to them their advice was to go bankrupt which I obviously didnt want to do.

anyway i hope it works out for you.

cocoloco

Quarry wrote: »

Hello again.
I've had my telephone interview with StepChange and my income is not sufficient for them to put in place a DMP. I'll still keep an eye on this forum but I'm obviously not in the same position as most members.
Does anyone know of any homeworking opportunities provided by honest organisations? I'm going to look at the various ways of making extra cash which have been posted on this website, however I really need regular work.
Thanks.
Q.:)

Hi Quarry! Sorry about that the DMP didn't work out - at this time. Once your employment situation works out this maybe more viable. In the meantime if you can only pay £1 per month - so be it!!! "They can't have what you haven't got"! Good luck with the future. x coco

Mossop01

Hi quarry, did step change not offer orher alernatives or options? Good luck with whichever path you choose
All the best

Beagles

Hopelessly_Hopeful wrote: »

The other thing I have learnt is a lot of what we worry about never actually comes to fruition and when it does is often not as bad as we feared. My fridge freezer has been on it's last legs for 4 years. I now have money set aside to buy a new one but the fridge freezer and I are having a battle of wills who will give in first. :rotfl:

One of the things we have learnt over the course of our DMP (seven years in and only two more payments to go :j) is that there's almost nothing that can go wrong with a washing machine that can't be repaired for a few tens of pounds, and things like freezers and dishwashers can be found second hand very cheaply on eBay. Before our DMP we bought nothing second hand but we changed our attitude and now look on it not only as saving us money but as environmentally better as well so in fact I'm proud of it.

RonniesMummy

I am currently being hounded by a payday loan company, yesterday was the missed payment date, they knew i was entering into a DMP a month ago as I told them and at that point they stopped me being able to look at my account online so I knew they knew.

But I have had about 20 calls a day, 20 texts and emails from them, and they won't listen when I say I am on a DMP, any other ideas what I can do? Currently have my phone on airplane mode to stop the calls coming to me as its driving me insane!!!!
x

Freshstart2012

Quarry wrote: »

Hello again.
I've had my telephone interview with StepChange and my income is not sufficient for them to put in place a DMP. I'll still keep an eye on this forum but I'm obviously not in the same position as most members.
Does anyone know of any homeworking opportunities provided by honest organisations? I'm going to look at the various ways of making extra cash which have been posted on this website, however I really need regular work.
Thanks.
Q.:)

Hi

I'm sorry to hear that Stepchange are unable to help you at the moment. As the others have suggested I would have a go at setting up your own DMP.
Does anybody have an idea of what amount Stepchange class as to low to set up a DMP. When I set mine up via National Debtline it was £100.

poohbear59

I found this thread and have enjoyed reading and learning about DMPs. We have been able to pay all our minimum payments except electricity and they are hounding me. We want to change provider but can't because of the debt. While looking for ways to pay the electricity bill I came across Payplan. They are going to phone me back but I am not really sure I am ready for a DMP, if that makes sense. We have lots of debt but can just about make the payments each month and it is going down.
The Gre3n Deal is ideal for us as we have an old house which needs more insulation. We can't take part in the offer as we are with an electricity company who are not taking part and we have the debt of £570.72 We really have a catch 22 situation where we need to insulate more to cut heating costs and can't until the debt is paid off and we are still stuck with a more expensive power supplier. I am so cold all the time it is making me miserable.


ETA Our son is currently coming to an end of a DMP of two years. the biggest problem for me was the constant phone calls from various banks and other companies. I have a pysical disability which is variable but constantly having to answer the phone was very difficult for me. I really couldn't bear to go through that again. At the moment the hounding is only by daily letters. We are paying £75 per fortnight out of my benefit payment to electricity company.

Hopelessly_Hopeful

RonniesMummy wrote: »

I am currently being hounded by a payday loan company, yesterday was the missed payment date, they knew i was entering into a DMP a month ago as I told them and at that point they stopped me being able to look at my account online so I knew they knew.

But I have had about 20 calls a day, 20 texts and emails from them, and they won't listen when I say I am on a DMP, any other ideas what I can do? Currently have my phone on airplane mode to stop the calls coming to me as its driving me insane!!!!
x

Sorry you are having the hassle

Have you written to them stipluating only contact in writing and if they do not stop harassing you that you will go to FOS?

HHx

Hopelessly_Hopeful

!!!!!!!!!!2012 wrote: »

Hi

I'm sorry to hear that Stepchange are unable to help you at the moment. As the others have suggested I would have a go at setting up your own DMP.
Does anybody have an idea of what amount Stepchange class as to low to set up a DMP. When I set mine up via National Debtline it was £100.

Sorry to hear your news Quarry. Have you tried the other free providors like Christians against poverty and debtline?

I always thought SC was £100 too, have seen a number of thread recently including the debt myths thread of SC where they deny this £100 limit.

HHx

Hopelessly_Hopeful

poohbear59 wrote: »

I found this thread and have enjoyed reading and learning about DMPs. We have been able to pay all our minimum payments except electricity and they are hounding me. We want to change provider but can't because of the debt. While looking for ways to pay the electricity bill I came across Payplan. They are going to phone me back but I am not really sure I am ready for a DMP, if that makes sense. We have lots of debt but can just about make the payments each month and it is going down.
The Gre3n Deal is ideal for us as we have an old house which needs more insulation. We can't take part in the offer as we are with an electricity company who are not taking part and we have the debt of £570.72 We really have a catch 22 situation where we need to insulate more to cut heating costs and can't until the debt is paid off and we are still stuck with a more expensive power supplier. I am so cold all the time it is making me miserable.

Hi and welcome to the thread. You have to do whats right for you. Personally I couldn't cope with being cold! Do shout up if you have any questions

HHx