Dmp Mutal Support Thread (Part Two)

rayday2

ilovegreatdanes wrote: »

am mad now.just wrote long catch up and lost it all.
have been transferred to cabot from citicards, told cccs and will swap.just fone later to tell them at cabot.
agree withYM and RAYDAY,,,,re the other threads.b/r thread is very strange.condesending at times and not fond of dmp threads cos of the time ill take to be debtfree.b/r to me always seemes like an easy get out but its my op,so ill hide behind this wall for abit!!!!lol
welcome to all the new guys and old mates.
dhs back at work.wants to go abroad next sept but told him couldnt save any dosh cos of dmp and stuff.wasnt impressed but 1500 quids alot of dosh plus new passports, dane kennels and spends.tbh, going abroads not a hol for me cos i always seem to get the cr*p end of all the stuff ansd need a hol to recover from the hol, iykwim.wont consider this country so no cheapos there!!!
take care,
love ilgd xx

Yayy! There you are missed you hope you are all Ok in your part of South Yorkie!

WorriedMart

Jaks: Im not sure, as you have already sent an I/E.. and thats what they are asking for on the phone, then I wouldn't bother calling or writing.. they've got what they need, and if you called might just give you more hassle. I've never dealt with creditors though yet, so thats only what I would do

cuemix: I guess as long as you dont put a sarcastic comment in this box :rolleyes: then you will be ok. I put loss of income due to childbirth, living beyond our means and overstretching ourselves, as it has been a combo of the 3 that has caused us to be in this position.. the last 2 being the main ones as if we had been more sensible with money and planning, no 1 wouldn't be a problem Oh well

jimsworld

Hello everybody,

We have just started our CCCS DMP and in response to the offer they have sent to our creditors, Toyota is the first and only one to reply. They have rejected our offer and have threatened court action.

Has anyone else had dealing with Toyota finance?

Jim

P.S hope everyone else is having a good day.:o

newlywed

cuemix wrote: »

Has anyone else been in my position-without a good reason for their debt but been successful in getting creditors to stop or lower the interest payments? I just don't know the best wording to explain my situation any suggestions would be much appreciated.:o

I just put down that I had overreached myself on credit. No one has questioned it.

rayday2

jimsworld wrote: »

Hello everybody,

We have just started our CCCS DMP and in response to the offer they have sent to our creditors, Toyota is the first and only one to reply. They have rejected our offer and have threatened court action.

Has anyone else had dealing with Toyota finance?

Jim

P.S hope everyone else is having a good day.:o

Not personally dealt with them but very few companies accept straight away you have to be consistant same offer this is what you are getting keep sending them the payments whether they have accepted them or not and wear them down like they want to you!

Good luck!

newlywed

Sorry, hello everyone. Sorry can't help with Toyota finance. But I wouldn't worry too much over it just yet - GE money said nope not accepting, then a month later accepted it. Some of them will wait till they get the actual payment (or two) before they agree to the plan


Anyone had their 3 month review with CCCS yet? Have to arrange mine - problem is although a couple of things have gone down slightly, there are things I've actually missed off (monthly chiro treatments, car repair budget not enough etc) and am struggling a bit but don't really want to lower my payments to my creditors as it is now set up Not sure what to do really

rayday2

I don't use CCCS as you know but for a payment review I did have to lower payments but I worded it as interest rates had gone up people accepted and interest remained frozen not sure what CCCS do though.

newlywed

Thanks rayday. Think I could use that if I had a mortgage but not sure it works when you rent??

Will have to work out all the other figures and see what CCCS say. Just chiro alone is meant to be £32 every 3 weeks but I always have to put it off a bit longer till payday. My car cost £100 last month, new exhaust needed this month and it needs the suspension checked and at least one new tyre!! Think it's just that we haven't had it long so bits need doing, so hopefully that should stop after these bits are done.

cuemix

Thanks all,

Glad i'm not the only one.

I will be posting my letters today, I shall feel so relieved and pleased with myself for making positive steps towards sorting my debt out.

:T

newlywed

cuemix wrote: »

Thanks all,

Glad i'm not the only one.

I will be posting my letters today, I shall feel so relieved and pleased with myself for making positave steps towards sorting my debt out.

:T

You'll feel even better when you make your first DMP payment - like a huge weight has lifted