Dmp Mutal Support Thread (Part Two)

hitback

Have been checking this forum for some time, prior to commencing with a DMP with CCCS in Sept last year.
Have picked up some excellent tips and advise from the forum too!

Total joint Debt at Sept 2006 £65,000 :eek:

Total Debt at Aug 2006 £ 60,611

Debt free at Sept 2014 :j

newlywed

Hi hitback, welcome.

I am with CCCS my DMP started in May. They have been great. I wish I'd done it sooner

Your's will soon be under 60k - bet that feels good?

hitback

Hi Newlywed

It certainly does. I wish we'd done it before we did! Hubby and I nearly split because of the rows and worry! CCCS have been fantastic and sleepless :eek: nights are a thing of the past! It's great to see the debt reducing each time the CCCS statement comes through , and we are currently in the process of reclaiming of £2k in charges from Natwest which should also help to reduce the total debt!:D

craftingqueen_2

Morning everyone,

Quiet on the DMP,apart from the weird phonecalls i've started getting.Lloyds still adding interest etc.

Hope you all are enjoying this lovely weather.

cq

paulal29

Hi Everyone,
I Have Just Registered So New To Forum,just Wandered If Anyone Can Tell Me How Long It Takes To Set Up A Dmp With Cccs.i Applyed Online Yesterday And Am Waiting For Paperwork.
Its Been Great Reading All Your Posts,gives Me A Great Idea Of What To Expect From Crediters

rayday2

You have to remember there is postal disruptions with the strike so you may have to wait a tad longer than what others have.

But keep coming in here there are some real good CCCS experts in here that can answer all your questions!

paulal29

ok thanks i will def keep reading,do i stop all of the direct debits now or wait til it is set up.
thanks
paula

newlywed

Hi paulal - I think the papers came within the week, so shouldn't be too long to wait unless the post strikes holds it up

I am with CCCS and they have been great.

I stopped all my DD's when I knew what date my DMP was starting and sent token payments of £5 instead.

Have you set up a bank account with a bank you don't owe any money to? This is the first step as if your wages go into a bank you have a debt to, they can take your wages to cover the shortfall in the debt payments :eek:

So if you owe your bank any money - change now!!!

paulal29

thanks newleywed,
luckily i have managed to payback my overdraft so no reason to change bank.my direct debits are due out on 1st of sept so hopefully my dmp will be sorted before then as i dont think i will be able to pay them this month.
thanks for your advice i appreciate it
paula

rayday2

I would cancel the dd you are telling them that you can't afford the full amounts and sending letters so if look at it common sense if you dont cancel the direct debits they are going to think hang on she just made a full payment!

With regard to your bank account do you have a credit card or loan with the same company? Sorry just clarying because they can take money out your bank account if you have!