Dmp Mutal Support Thread (Part Two)

Dr_Jekyll

DeeDee99, worry not. Default notices are common as muck and are computer generated as is a lot of banks mail to us. You'll be getting offers of loans next. They do seem to be linked to interest being stopped for me too so wait and see. Nothing happens after default notices in my case. It does help sometimes to ring creditors though as it shows them you are willing and trying to pay them something.

To other newbies. Give callers your CCS or Payplan ref. and try not to get involved in any discussions of any length and be calm. Remember they are just doing their job and usually don't know anything about you because most callers don't seem to read up on your record until they are actually talking to you which is a complete pain of course.

yellowmonkey

Hi.

If you want to have a look at your credit file go to
http://www.annualcreditreport.co.uk/

No card details required although you do have to register. Even shows my defaults (Not that i'm worried) as my rating is shot anyway

ym

Ps . Forgot to say it is also FREE !!!!!!!

newlywed

ym - i registered with them in Dec 2006 and it's still the same info - so presume they update it once a year So mine looks all nice whereas I know I've paid for the £2 version and it tells a slightly different story (ie pay arrangements, late payments, missed payment and one default)

yellowmonkey

Was not aware of that newlywed. Must admit mine seems Ok but will keep an eye on it. Thanks

ym

rayday2

I signed both me and hubby up to that we started our DMP back in June 06 so should have most the damage on that - what a sadist I am wanting to look!

Thanks for the link

Dr_Jekyll

YM, have just registered out of interest so thanks for that. Hope you are well and am still enjoying your posts.

ilovegreatdanes

hi,
ym..thanks for the cred rep link.just registered.that should make interesting reading:eek: bet its a really good score as well:rotfl: :rotfl:
think it was deedee asking about selling up to clear the debts.sorry if i got the wrong person:D please make sure that if you pay off your debts and start renting, that the rent is alot less than the mortgage payment.am worried that you have a £92 dmp that you are finding tough to pay, along with your essentials, which to me, forgive me if im being forward,rings alarm bells.is your mortgage really high?just wondering, cos i know sometimes, that renting costs nearly as much as a mortgage.so if the rent is high, wouldnt you still be in the same boat as now, except you have sold your biggest asset???hope you understand what am driving at here hope it all goes well for you.i have 26 years left on mine, paying £69 for 20 grand, approx

Dr_Jekyll

Very good advice ILGD if you don't mind me saying so.

ilovegreatdanes

read my last post and realised it may me sound awful, so apologies, cos i didnt mean any offense.its hard to give an op without all the facts, and doesnt help if you engage your typing finger:D before your brain is in gear, which i am apt to do alot:o will just ask the dane to dig me a hole to crawl into:rotfl:
ilgd xx

ilovegreatdanes

thank you drjekyll....wasnt sure ppl would get my drift.xx