DMP & Mutual Support Thread - Part 9

Time_to_face_the_music

nextyeartina wrote: »

Started 2014 with lots of motivation & determination. Was doing well until this month. I always find this time of year very hard. It should have been our daughter's 16th birthday on the 25th March. She sadly passed away at 5 days old . Our other daughter was rushed into hospital with diabetes on 14th March. Not only were we all in shock but we had so much to learn before we could bring our daughter home. I know people with diabetes but never actually knew what it was. The budget's gone out of the window this month & the little emergency savings we had has now gone. I've not been able to do any overtime this month & we've got our son's 21st next month. Today is the first positive day I've had for what feels like an age. Our daughter's home . She's happy & coping amazingly well. We're so very proud of her. I'm now ready to continue my debt busting journey. Thanks for taking the time to listen


Tina xxx

Hello Tina :hello:

Am so glad your daughter is home with you and things are starting to look positive again.

Love and hugs to you and your family
TTFTM x

Mrs_Arcanum

Time_to_face_the_music wrote: »

Do you mean a month or 3 later? Doesn't apply to me now as I self manage so know to the exact penny how much we owe on any single day but when with Stepchange (then CCCS), I checked every single statement and updated my totals on their website every month. If anyone is being charged interest and/or fees, they need to know ASAP to start the fight.

Great news on the £800 less owed :j

Actually 3 years on. Although it did take 18 months for all the hoo-hah with this particular CC to sort out from starting the DMP and there is still a charge registered on the property. It was because this one was the CCJ so Step change do not include this when working out any payment increases that I didn't bother checking very often. Same payment goes out every month so why bother.

Thing is the £800+ is not even the same as the court costs so I am baffled as to where it has come from (never took PPI either).

HRKL14

Hi Guys,

Not been on for awhile, been having a few family problems ill health etc. I am looking for a bit of advice please. Been on DMP with SC since Jan 14. Second payment went to creditors but one of my lower CC's with just a few hundred outstanding balance, have returned my payment this month. They took last months payment, little concerned any advice or thoughts why this is...

Time_to_face_the_music

HRKL14 wrote: »

Hi Guys,

Not been on for awhile, been having a few family problems ill health etc. I am looking for a bit of advice please. Been on DMP with SC since Jan 14. Second payment went to creditors but one of my lower CC's with just a few hundred outstanding balance, have returned my payment this month. They took last months payment, little concerned any advice or thoughts why this is...

Sorry to hear about family problems and hope things are getting better now.

Re returned CC payment, they may have transferred it to a DCA, this happened to us with Lloyds TSB and they never bothered to tell us :mad:

A couple of weeks later Cabot got in touch and asked us to pay them instead. Despite the bad press DCAs often get, they were actually much easier to deal with.

Give Stepchange a call on Monday and ask them if they know what is going on.

HRKL14

Time_to_face_the_music wrote: »

Sorry to hear about family problems and hope things are getting better now.

Re returned CC payment, they may have transferred it to a DCA, this happened to us with Lloyds TSB and they never bothered to tell us :mad:

A couple of weeks later Cabot got in touch and asked us to pay them instead. Despite the bad press DCAs often get, they were actually much easier to deal with.

Give Stepchange a call on Monday and ask them if they know what is going on.

Thank you TTFM I will give them a call next week.

Sazzie23

nextyeartina wrote: »

Started 2014 with lots of motivation & determination. Was doing well until this month. I always find this time of year very hard. It should have been our daughter's 16th birthday on the 25th March. She sadly passed away at 5 days old . Our other daughter was rushed into hospital with diabetes on 14th March. Not only were we all in shock but we had so much to learn before we could bring our daughter home. I know people with diabetes but never actually knew what it was. The budget's gone out of the window this month & the little emergency savings we had has now gone. I've not been able to do any overtime this month & we've got our son's 21st next month. Today is the first positive day I've had for what feels like an age. Our daughter's home . She's happy & coping amazingly well. We're so very proud of her. I'm now ready to continue my debt busting journey. Thanks for taking the time to listen


Tina xxx

Hi Tina,

Thanks for sharing, sounds like daughter now doing well and under control, Just like debt busting, there is a lot to be learnt about managing diabetes, and what works for one doesn't work for all, and in the same way as diabetes, keeping on top of things in debt busting can save troubles in the long run. I think you'll all be in even better shape and doing great this time next year:D

Happy 21st for son, can still be celebrated, old enough to understand you can't stretch to big celebrations at the moment, maybe weather will be nice enough for a family BBQ and some beers in the garden or summat?

Hope it's a good weekend for you

Hopelessly_Hopeful

Morning All


Popping into to say hello.


Hope everyone enjoying Spring and looking forward to driving debt down one bit at a time but all heading in the right direction.


HHx

Sazzie23

Hopelessly_Hopeful wrote: »

Morning All


Popping into to say hello.


Hope everyone enjoying Spring and looking forward to driving debt down one bit at a time but all heading in the right direction.


HHx

Hi HH

Thanks, another gloriously sunny spring day here yesterday.
Was surprised to find how time had flown overnight, oops it was clocks forward...good job I didn't need to get up for work:rotfl:

Time to update my SC totals I think.

Time_to_face_the_music

Lovely day here too, really makes you feel good :j

I am updating my spreadsheet and looking at end of next month's targets - I want to be under £25K and 70% paid off. Watch this space ......

HH - you are getting so close, I can't wait to see my twin's name on the debt free role of honour :T

Growurown

Time_to_face_the_music wrote: »

I am updating my spreadsheet and looking at end of next month's targets - I want to be under £25K and 70% paid off. Watch this space ......

Me too. Next month we should be just under the £20,000 mark! Plus we have paid off another debt in full. Fourteen debts (12 creditors) are now down to eleven and hopefully another one will be gone by the summer. :j:j