Dmp Mutal Support Thread (Part Two)

SortingIt_2

Hi Upsy daisy,

I am yet to be fully on a DMP but you have most def come to the right place. Everyone here is really supportive and will answer all your questions.

I contacted Payplan via the telephone and they arrange appointments to call you back initially to go through all your income and expenditure and now I am waiting for a call next week from my caseworker to I assume go through the next course of action.

I hope you get the help you need xx

ilovegreatdanes

hi,
welcome to all the new posters whose names i will try to rem as we go along, so apologies.
upsy daisy....its not quite as simple as we make it out but dont worry!if you want to check out the cccs website, it tells you all about the stuff you need and works out expenditure and stuff.is very good and im with them for my dmp.
pinkkat ..good bargains.well done...but dont let the spendin go to your head.lol.
sortingit...hope you have a lovely evening.x
ttfn.love ilgd xx

yellowmonkey

Afternoon all.

Hope you are all well. Just got up as i am on nights. Welcome to all the new members and look forward to sharing your journey.

Got to go as i have dinner to cook

TTFN

ym

ilovegreatdanes

hi all,
been lovely here today.me and ds have walked the dane for miles.have hung out the washing, mowed the lawn, tidied the garden and generally had a very productive day.makes me feel like a more useful person after not wasting my day on gonnas and not doing.
hope you all had a good one as well.
ym....have a good one at work ,ill be dreaming of you on nights.take care.x
ttfn.ilgd xx

malvena_2

Hi everyone.

I have been reading this thread for a while now, but never got round to posting. I went on a DMP with payplan in march and it has run quite smoothly, but I am starting to feel as if I am sticking my head in the sand again. I have been thinking about selling some junk - er I mean some high class goods;) - on ebay. I was wondering if its ok to make the odd overpayment on a DMP or will it cause problems! Sorry if this is a stupid question but I really feel like I need to do something to bring forward my debt free date as I don't want to spend another 10 years living like this.

Trying to give myself a kick up the bum.

Thanks in advance

Malvena

Dr_Jekyll

malvena, it is a good idea to make overpayments I believe but why not ring Payplan and see what they suggest? You would need to tell them anyway I would have thought if you are sending extra. I have found them to be very helpful.

SortingIt_2

Morning all,

I would be interested in peoples views or experiences of making overpayments or extra payment too??? I am just pending a call from payplan re setting up a DMP etc and want to know about extra payments. Sometimes I am lucky and parents give me a bit of money now and again, only a few hundred and not regular but I would like to pay it off of my debt if possible.

pinkkat8910

Moooooorning all!

How are we today?

I am poorly with an ear infection (boo) but over the moon as I've received a letter from Ikano this morning offering me a full refund of all charges applied to my account amounting £192 ... yippee!! Has been a pain doing all the correspondence and so on but it has truly paid off ... now just awaiting a decision from Capital One - argh!

rayday2

Sortingit - if I was you I would save the money that is given you as you can when you have enough make an offer to settle one creditor for approx 50% or thats roughly where you start negotiations and would be the less complicated way of paying someone off rather than explaining say in May why you had £200 more if you get where I am coming from.

Sorry to hear about your ears but well done on your charges!

SortingIt_2

Hello,

Rayday - thanks for that. I know it sounds stupid but I am just worried I would get told off or something for having a savings account whilst on a DMP. This is all new to me and I am just trying to get informed as much as possible before it all starts.

Kat - sorry to hear you are poorly. But fantastic news on the refund of charges!

Thanks again everyone for your help and advice - sadly I am really looking forward to my call from Payplan this week. Do I sound mad??

x