Dmp Mutal Support Thread (Part Two)

mummum2

Hi ST, some do reply to say they accept. For me it was NR & Cahoot. The others just accepted via DMC. What I'm trying to say is some might contact you directly, others will tell Payplan. I wouldn't write to request confirmation, but again I'm very nervous still about dealing with my debits, so happy to have a go between.

SortingIt_2

Thanks for that MM2 - I think I will just lay low for a bit and see what is what with Payplan in a few weeks time. I don't seem to be getting any phonecalls apart from barclay loan which stipulate that I call before 5pm which no can do as stuck in office all day and even lunchtime I am surrounded by people so they will have to wait or call me during an evening. I really really hope they all agree. It's a nervous time but I am sure I am doing the right thing.

scared_2

Well I got through it!!!! :T

They guy from Egg met me in the waiting room and went through my file he was really nice and made me feel really calm. He said that as our debt that we owe everyone is quite high then EGG feel they need to secure the debt on our house, which is'nt great, but he said they would never make us sell it would only be taken if we decided to sell. He said that they are starting to do this with some clients as so many people are unable pay debts back. We then went into see the judge and he told me not to worry this was a very informal hearing and that they would set the debt against my property, but it would mean that they will leave me alone now (well intill we sell!!!) so not as bad as I thought it would be and glad it is over. God how do we get ourselfs into this mess!!!!!
xxx

scared_2

Sorry I forgot to say thank you all so much for your messages it is such a relief to know I can post on this site and get so much support.

xxx

mummum2

Big hug Scared, glad to hear that all went well. Hopefully this mean you'll not get hassle from them. Well done!

MM2x

Boltonbwfc

Well done Scared! Do you still have to pay Egg a monthly payment or is it set against the charging order?

I have spoken to MBNA this morning and have hopefully set up my own DMP plan with them. They said they would write to me in 5 to 10 days and confirm or not confirm the proposed DMP I set up. Fingers crossed!

Also rung CCCS to discuss my account with them. I discussed with them about IVA's and they told me now that they are doing them through CCCS. Am I right in saying that you need a surplus of £250 to qualify for an IVA? Really tempted to go down this route for the long term if I fit the criteria.

Anyone got 6 numbers for tomorrows lottery? :rotfl:

yellowmonkey

Well done scared.

Glad it was not as daunting as you expected.

ym

ilovegreatdanes

hi guys,
i apologise for my absence.dhs been at home for a couple of weeks after his liver biopsy so couldnt justify the comp time.tbh, have enjoyed, if thats the right word, the enforced time away from the forums, as it seemed to be taking over my life and i wasnt getting on with the good stuff , like chores and exercise........mind you, i didnt eat or drink while on here so thats one positive thing.was on here for hours and so, although i wont be posting much, ill still try to keep up with you cos ive come to know you well and regard you all as friends.i have had loads of great advice from you and i hope i have returned the favour,......well ive been here for the essays ,anyway!!!!!
seems like ive missed so much in such a short time that it would take me ages to catch up on the posts.
so i hope its all going really well and you are all alittle bit nearer your dfday.
my creditors are much as was......m/ward is now nationwide.....but not sure if its still in house or what, so im just keeping on paying whoever.
am having trouble with cabot, taking over from citibank.....want £24 a month or a default....getting £5 and lumping it.......
lifes too short,what can they do??put me up against awall and shoot me???
think as i get older, i get pass caring......read the book, got the shirt!!!!!

dont get me wrong, im not trying to sound flippant and i find it increasingly hard to live within my cash only means, but their scare tactics are lost on me, im too old to care.
so dont let them grind you down.!!!!
am going now but ill be watching you all,
been a pleasure and an honour cos you are all very special, and dont forget it, do you hear???
all the best,
love ilgd xxx
btw,the dane is fine, if alittle greyer round the muzzle these days......ive pass all the debt stress on to him and he sleeps on it......works for me.

ttfn xxx

yellowmonkey

Hey

Nice to hear from you Ilgd.

Keep well

ym

rayday2

Hi Mrs Danes!

Hope your hubby is OK

I have to apologise I normally like to "help out" in this topic but have not been around, to be honest sounds stupid but I find the attitudes on the main part of this forum appalling and childish sometimes. But today I thought sod it they want to look like children with there little in clubs leave em to it!

Its not fair to turn my back on the wonderful support I have had here and pass a bit more on! So apologies that I have not been around.

Glad to see my favourite monkey is, though I suspect Queen albums will never be the same again for him lol!