DMP & Mutual Support Thread - Part 9

hopeful_at_last

oh checked my PP and now 6 of my 8 creditors have accepted the plan, don't know if they're freezing interest yet though but at least theyve accepted
just barclaycard andcapital one to go.... onwards n upwards and hopefully a good sleep now my plan is moving forward:):j

Hopelessly_Hopeful

hopeful_at_last wrote: »

oh checked my PP and now 6 of my 8 creditors have accepted the plan, don't know if they're freezing interest yet though but at least theyve accepted
just barclaycard andcapital one to go.... onwards n upwards and hopefully a good sleep now my plan is moving forward:):j

Good news.


Every day after deciding to apply for a DMP is a day forward in the right direction, not static, not backwards, but going forwards and looking forward to a new life


Some of you will know I am a massive fan of celebrating the positives and I can make a milestone out of anything!


HHx

Sazzie23

Thanks HH Positives are positive :-)

ianmak

Hopelessly_Hopeful wrote: »

Hi Ian


Looks like they to at least try -Your Insolvency Practitioner has an obligation to maximise returns to creditors, which includes investigating any and all assets.

http://www.debtadvicefoundation.org/questions/how-ppi-compensation-dealt-iva

Good luck and let us now how you get on.


HHx

Thanks HH for your excellent advice as always! Their charges ended up being £125 in total, so as I'm not paying for it, they can do the work!

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Good news.


Every day after deciding to apply for a DMP is a day forward in the right direction, not static, not backwards, but going forwards and looking forward to a new life


Some of you will know I am a massive fan of celebrating the positives and I can make a milestone out of anything!


HHx

I'm a firm believer in milestones too. Something to celebrate can make a real motivational difference.


Have just noticed we reached 45% paid off last month :j

Hopelessly_Hopeful

Time_to_face_the_music wrote: »

I'm a firm believer in milestones too. Something to celebrate can make a real motivational difference.


Have just noticed we reached 45% paid off last month :j

Brilliant news. Am expecting an invite to the half way party too

HHx

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

Brilliant news. Am expecting an invite to the half way party too

HHx

Watch out for a big milestone ... or two or three towards the end of January :j


I never thought I would say it but roll on redundancy!

Puzzcat

Sazzie23 wrote: »

Hi all, back again

came across this post on the DFW forum board
https://forums.moneysavingexpert.com/discussion/4818729

Might interest some of the readers here.

Hope its OK to post the link here

I forwarded my details for this and have got an interview with them next week.... quite excited sadly as I have never talked about my debt with real people before....

Samjangi

OK This was a new one for me. Yesterday in the post we got an odd looking card from Santander saying they would be calling our home next week with a contact number if not convenient.
Well once I'd calmed myself down and repeated the DMP mantra and convinced myself they couldn't show up and 'inspect' the house or anything I gave them a call (had visions of hiding behind sofa lol!!).

I stated on a DMP and queried why they were contacting me.

She said that they were trying to find out if anything had changed at all in our situation. I told her we had only made one payment (had forgotten 2nd one went out at beginning of the month!) To which her reply was that they last spoke to us in October and would be 'touching base' with us every month to see if anything had changed!!!
I know I was behind with payments and struggling- that is why we went on DMP. I know it will affect our credit rating- we went into DMP knowing all that.
Is this normal?? It is going to be a very long 11 years ( hoping it will be less!!) or so if I have to talk to them every month!!:o

Time_to_face_the_music

Samjangi wrote: »

OK This was a new one for me. Yesterday in the post we got an odd looking card from Santander saying they would be calling our home next week with a contact number if not convenient.
Well once I'd calmed myself down and repeated the DMP mantra and convinced myself they couldn't show up and 'inspect' the house or anything I gave them a call (had visions of hiding behind sofa lol!!).

I stated on a DMP and queried why they were contacting me.

She said that they were trying to find out if anything had changed at all in our situation. I told her we had only made one payment (had forgotten 2nd one went out at beginning of the month!) To which her reply was that they last spoke to us in October and would be 'touching base' with us every month to see if anything had changed!!!
I know I was behind with payments and struggling- that is why we went on DMP. I know it will affect our credit rating- we went into DMP knowing all that.
Is this normal?? It is going to be a very long 11 years ( hoping it will be less!!) or so if I have to talk to them every month!!:o

Write and tell them that StepChange are administering your DMP so all future communication should be with them.


If telephone communication persists, you can write again and state you will only accept future contact in writing and will consider any further phone calls to be harassment, which will be reported to the FOS.