Dmp Mutal Support Thread (Part Two)

newlywed

rayday2 wrote: »

Daft me if I read my sig they are now with CL Finance and they have been OK just asked me to keep sending them the money now and have not yet - touch wood - asked for a review.

To be honest I will feel better when all of mine have sold on I think so long as you pay then you are less likely to get a CCJ - just think probably wrong.

Yeah that's them. They say just carry on and they will contact CCCS and I don't need to do anything

Hopefully blinkin Mint will pass mine on to a DCA and stop ignoring me and charging me more interest than my monthly payments :mad:

rayday2

Have you tried writing a formal complaint to mint about it, that could spur them on.

I know I must bore people about complaints but its worth a try when nowt else is happening. Read the above mammoth post see if they are actually going against any of those guidelines and throw it at them. I did that with Lloyds and pointed out that they financially sponsored national debt helpline who I was using so why would they not do there bit!

newlywed

Tried to get to my online account with Mint and apparently I can't get access because it's been passed to "another department". Hopefully that means they will stop interest some time soon or sell it on :rolleyes:

rayday2

Fingers crossed for you the limbo period is horrible when it drags on - once they all have suspended interest you feel you are getting somewhere with balances going down.

Valley's_girl

Morning All
Sorry I haven't posted much lately hope everyone is ok I went to see a guy in the cab a couple of weeks ago, he has written to mercers but they are still adding on the charges, I have to wait until the end of august to go back because my benefits are going to reduce a lot.
Matt is going to uni so I will lose my ctc and cb it works out that I will be down about 63.00 a week :eek: so he will have to take over all my cc debts then so I will see how it goes.
Newlywed I hope that mint have passed your account on it is a pain when they keep charging the interest.
Love to you all
Ally xxx

newlywed

Thanks rayday and Ally.

Well the other balances are all coming downwards now, so there is just one that is more than it was at the beginning of the DMP - ie Mint CC.

So even with that still going up each month, the full HUMONGOUS total debt figure is at last falling. But it's annoying as it would fall a lot quicker if Mint stopped charging me £190 interest each month :mad:

5 years ago, if someone could have told me how much I would owe now, I'd have cut all the cards up and sorted it out when I had more spare income (ie living at home with parents).

Oh well. Live and learn :rolleyes:

Ally, hope you get Mercers sorted, and hope things work out for you when your benefits reduce.

rayday2

The power of hignsight! Or however you spell the thing!

Thing is we are learning life lessons now, so all experience is good if you learn from it!

craftingqueen_2

Morning everyone,

Drizzley,Dark and windy here.Postie not delivered anything good today.
Default notice for c/c with lloydstsb today,NEXT have informed me they are passing me over to a DCA on 13th August.
Next can't seem to leave me alone thats two letters in two days from them.

Hope you all have better weather than what we got.

cq

amani_2

HI EVERYONE and welcome to all the new posters.

Sorry I have not posted on here for a while, I have been reading the thread but not on a daily basis. (slapped wrist) :rotfl:

Hope everyone is well and their DMPs are running well. Mine is ok I think all of my creditors have now excepted. I have a 3 month review with CCCs, I will call them on Friday (God Willing).

Nothing else to report really.

newlywed, thats terrible £190 a month interest

newlywed

amani wrote: »

newlywed, thats terrible £190 a month interest

Erm..... but you should see the balance

But when I started struggling they put my interest rate up from about 16% APR to 20% then up to about 24% APR. Which is when I lost all feelings of guilt about going on the DMP.