Dmp Mutal Support Thread (Part Two)

dlb

Iv always turned down the bank mystery shops unless it states in my instrutions that no credit search will be done.
But thats just what i do, doesnt mean you cant do it. Will not effect you dmp in any way, just make sure the mystery shop company will pay out if account isnt opened successfully.

newlywed

PompeyMark88 wrote: »

I have been making monthly payments of £400 since July 2007. This is increasing to £430 this month.
However, on my statement I looked at on-line today, it is showing £0.00 being paid on my Barclays loan and the Payments to date on this don't really add up.
Although I made the £400 payment in December, not all of this went to my creditors as £0.00 went on my Barclays Loan

Do the payments usually show up? The reason I ask is that one of my debts has been transferred to another department and so the statements come through with the original debt figure and no payments showing but when I rang to query it, they have been receiving payments regularly

One of mine is very slow in updating the amounts they receive too.

debrag

does CCCS have a facilities online like Payplan where you can see you payments, creditors, budget etc?

cloudnine_2

Hi Debrag. Yes, CCCS do have an on line service. I've just forgotten my passord and today applied for another. Cheers, Cloudnine

debrag

great I'm looking at reviewing my budget next month, is there any point to moving to CCCS from Payplan?

Also what happens when you get to near the end of your debt and are making the min payment or above? Do creditors continue with the DMP or look for you to come off it?

dlb

One of my creditors class my debt with them as running in line, as the payment they get each month is now above what the minimum payment is, they still except payment via the dmp, but have started to apply interest again
Now what i am trying to do is save to pay off this account in full, but in the mean time they will continue to get £40 over the minimuim payment via dmp,.

debrag

oh thats good hopefully soon I'll be paying more on a few creditors

toasti

HI again just another quick question about that mystery shopping assignment.

It says there will be a credit check and not to open an account if you have a CCJ (Which I don't). It gives a number to phone the mystery shopping company on if I cannot open an account.

What do you all think?

Thanks again!
x

toasti

HI another question about my mystery shopping assignment.

It says they do a credit check and not to do the assignment if have CCJs (which I don't). There is a number to call if I cannot open an account.

Any ideas what I should do?

Thanks
x

smitty2702

Argh gulp big breath, I have finally posted my SOA on another thread. its really hard seeing it in black and white and TBH I still dont know what to do! Payplan wont help as they insist i put higher figures for housekeeping yet I know I can manage on the figure ive put (altho it would be tight) they suggest token payments but I feel I can pay more than that so will try again to persuade FD to take a lower payment and freeze interest as its them thats the problem now!