Dmp Mutal Support Thread (Part Two)

newlywed

rayday2 wrote: »

The language in this thread is appalling today...

Cut out cakes and biccies completely that is well well that is sick!

Well, to be honest, if you placed in front of me a piece of lovely moist chocolate cake with chocolatey icing.... right now...

You wouldn't see it for dust!!!

scared_2

Toasti - Glad to hear you feel a bit better this week. Just tell your Dad when you feel it's the right time.


Bluediamond - We've got debt with Lloyds as well and they are being a nightmare!!!!!!! And we also have our mortgage with C&G can they really make you take money from mortgage?????

Hope everyone is ok today at least the sun is out, I think I might park myself in the garden while the little one is sleeping and get a suntan!!! at least it's free.

xxxxx

hunteress

hi all
i agree with rayday will you all stop saying that 4 letter word d**t
it brings me out in a rash

Jaks

I have been reading these forums for the last 2 months which spurned me into having my LBM. Me and my Dh have got £30,797.00 of unsecured debts between us. Before my LBM it was around £32,000.00.

I have just recently redone my budget for until the end of the year and discovered a shortfall after paying for all the housekeeping and creditor payments. I went on the cccs website and filled a questionaire for a DMP, while I was doing that I found a few things that I had missed of my housekeeping budget and that made the shortfall go up to £400 a month under.

My dh and I have made a decision to do a self DMP for the next 6 months as we would like to carry on making the normal payments to Greenwoods and Provident. Greenwoods payment ends 4th December 2007 giving us £100 extra a month to divide between our creditors and one of the Provident loans finishes 4th June 2008 giving us a further £150 to divide between the creditors.

I have used the template letters from National Debtline to send to my creditors. I will give them a housekeeping budget laid out by the cccs that is suitable for a family of my size (6). I will also be giving them a current creditors budget showing the £400 odd overspend and a revised creditors budget which does not exceed our income (will be left with 24p after revised creditor payments and normal housekeeping payments). I have stated that I haven't favoured Greenwoods and Provident, just explained that I wanted to pay them as normal as they soon finish and that they money I use to pay them will be devided between the other creditors.

We have already opened another current account with Nationwide as my current bank is Lloyds TSB and they are also my creditors ( 2 Loans and a credit card) - I am expecting a little trouble with Lloyds as I have read some posts from a few of you that are having problems with. I have decided to transfer my direct debits to my Nationwide account one at the time just after they have been paid out of our Lloyds account this month. I will also do the same with payments going into the account. We get child benefit payments on a tuesday so next Tuesday (providing our new bank card has come through) I will phone the child benefit office and give them my new account details, I will do the same for my dh's DLA (this is paid this wednesday, and he gets that every 4 weeks), and also our Income Support.

I will write to Lloyds tsb and tell them I want to close the current account and sent them the bank card and cheque book back whe everything is sorted with the new account. I want to do this so they don't try and recover any of their money from our empty bank account. I need to do this by 22nd August as this is when my loan payment is next due. I am hoping to set up S/O payments to my creditors for the 1st of September.

Here is a brief reason as to why we have got ourselves into this trouble: We were informed by our former landlord that he had to sell all his properties due to ill health at the end of March. We have 2 months notice and had to be out by early June. We had been renting the property for 11 years. I went to the housing people and was told that there was no chance for a council house, if we were made homeless we would be put in a B&B - that wasn't an option as there were 6 of us (including a 3 year old and a 6 month old baby). We had to find some where quick. I found somewhere within 24 hours but we had to find £600 deposit and the first months rent in advance. We also had to pay a firm to get rid of a lot of our old rubbish and a firm to move us. The house we are now renting in more suitable for our family needs - 3 seperate bedrooms - the last house had to 2 goodsize bedrooms and a small box room leading off 1 of the other bedrooms. My children are 14 (boy), 12 (girl), 3 (girl), 10 months (girl).

Sorry for the long first post.

Tracey x

toasti

Hi
Just want to say thank you for all your help these past few days you've all been wonderful:)
xxxx

ilovegreatdanes

toasti...many thanks and hope all goes well.keep in touch....xx
welcome jaks.....really good post.at least your new home is bigger and better for you all.new beginning now and you seem very organised.good luck and keep in touch.
love ilgd xx

Valley's_girl

Hi all thought I would pop in and say hi, still getting charged interest by barclay's and littlewoods although mercers are dealing with it they are totally useless, I have to wait until september before I go back to the cab this is when my benefits are lowered big time. Matt's ctc and cb stop so will have to see how it goes. I only wish my health wasn't so bad I could of got a part time job to help.
Hope everyone's dmp are going ok and that everyone is well.
Ilgd congrats on your 3 stars!
Newlywed sorry about the money situation I know how you feel I am sure things will get easier soon!
Toasti Good luck for when you tell your parents try not to worry though!
Jaks welcome :hello:good luck starting your dmp.
Love to you all
Ally xx

newlywed

Valley's_girl wrote: »

Newlywed sorry about the money situation I know how you feel I am sure things will get easier soon!

Thanks Ally, it's not even so much the money - it's more the lack of doing anything other than cooking for OH and the kids all weekend!! So have decided to try and do something and go out somewhere without the kids each month to stop the boredom. Also want to try and invite others over once each month (but OH is never too keen as he is paranoid about mess :rolleyes:). Haven't told OH my plans yet though

Good news is we have been invited over to friends Sunday evening so that's a brilliant (cheap) start to my plan We also have an evening wedding reception for next month.

Just need to work out ways keep this up


Hope your health improves - not for the sake of getting a job and your debts but just for the sake of enjoyment of life It's only money - life and health is more important.

in_debt_again_but_dealing_with_it

Just popping in to say hi, things are moving along for everyone on here its hard to keep up!! I've been spending most of my time on the giving up smoking thread which is why you've been neglected sorry!!! But wanted to let you know I'm still happy/grateful to be a memberand still fighting the good fight! HSBC still not defaulted the loan, so they keep going for it each month and stick charges on to my current account when its bounced - grrr - from a credit balance for the first time in years (thanks to charges refunded!) I now have a £17 ish o/d again - stuff them they can whistle for it!! I shall write a nice letter explaining my DMP - AGAIN and see if out of the goodness (?) of their hearts they'll refund it .... won't hold my breathe though!!!
Congrats Scared on the arrival of you daughter, children really do put a different (more expensive !) perspective on things!
To everyone else Hi!
love and hugs
IDA
x
PS: Where are they now;
95 Kelly Number 1
Ex-spenaholic 3
Smilealot 4
Huntress 5
Joek
Lonely
YM
Amani
Scottish mummy

rayday2

Welcome Jaks - I do my own DMP with the National debthelpline and have found it good, no major problems at all, I also have dealt with Lloyds so if you want help just shout in this topic we are all experts in here lol!