Dmp Mutal Support Thread (Part Two)

newlywed

Or... if you can pay the minimum payment on the debt you owe to the bank your wages go in, then you should be ok to delay it for a little longer as they aren't likely to take money from you if you are paying say the minimum on your credit card balance.

If you speak to CCCS, they will be able to give you some advice on this as you are worried. I asked them not to contact my main bank until I was sure my wages had been moved to the new account. They said they have to hold off contacting all of them in that case but can do it for a few days without much trouble.

Hope that helps.

Once your DMP is set up, things will feel much better. I am with CCCS and made my second payment and all the chasing calls and letters have stopped. Interest has been stopped on one account, reduced to a third on another account and the third isn't answering my letters so who knows It will get better.

itsalldrivingmemad

Hello - all quiet for me on the dmp front but my mortgage has gone up loads now as I am out of my fixed rate period :eek: not sure how I going to be able to affors it as oh as you know isn't here anymore he's not helping with money or maintenance for the sproggs and my WFTC still isn;t sorted

Do you think its a good idea to enquire about interest only for a while? I am already on a payment break fr 3 months maximum I could have applied for and am due to start paying from end of next month I don't know what to do, the house id up for sale plently of viewers alot of interest but they all still need to sell too. Any advice will be greatly appreciated.

Toastie hope you are feeling better today

hugs to all

rayday2

If the house is up for sale then they could go interest only if you chat to them. We had this with my MIL they know they are getting the money eventually but I think they used to keep in contact every couple of months see how the sale was going.

craftingqueen_2

Hi everyone,
Welcome to all the newbies.Sorry i haven't been on for ages,but i have been reading all the posts.
Still no luck with Lloydstsb,letters and phonecalls still continuing....but everything quiet with all the other creditors.

craftingqueen

ilovegreatdanes

hi all,
welcome new posters and hi to usual suspects.
DH got the argos cc so will bal trans the argos storecard bal and saves loads of interest.didnt hear "thanks", etc, but whats new!!!

ireneh.....have cap1 debts,been really good.no letters then monthly statements with no interest or charges and bit on top of statement says you are on a dmp or something similar and they have been really great from early in dmp.m+s said they wouldnt accept my offer but cccs kept paying and now statements come with no interest charges, etc so long may that continue!!
i had barclaycard on a dmp for years and always found them very good also. only ones had trouble with were mint cc.loads of charges and issue default asap and prob will go to a dca.cant rem your other creditors, but try not to worry.main thing, if you have any debts with present bank then would open a new a/c elsewhere to make sure they dont take your wages, etc and cancal all the dds asap.
hope all is well with everyone.
sea.....did you get my pm that i sent you other day?let me know cos im not really comp literate and may have done something wrong.

ttfn. regards, xx

Dr_Jekyll

Hello everyone. Hope you are all well. currently having an inner ear problem causing slight dizziness but now picking up hence no posts recently. Have been unable to look down to type. Hope to get it sorted soon.

Thanks for the posts re our acceptances and welcome to newbies on here. No other news but very glad you now have a car newlywed.

Valley's_girl

Hi all
Hope everyone is well and not having too many problems with the post or phone calls. Sorry I haven't been around much but my health is causing me a lot of problems.
Hi to all the newbies I haven't had much chance to read all the posts.
Had a letter from Mercers this morning threatening to come and visit me at home,:sad: because they haven't been able to contact me by phone, they haven't got my new number, which I don't want to give them.
I am worried about them visiting me at my home because they will pressure me into paying more, which I can't, they haven't told me when they are coming which is worse, I am worried incase I have visitors how embarrassing will that be.
I rang national debt line who have tried to reassure me that they are not balliffs. The other suggestion they made is I could go down the CAb and ask them to take over the debts for me, I am not sure what to do, it is a shame because I have got the 5 creditors to accept payments already.
I will have another one of these letters off Mercers because they are dealing with littlewoods debt also.
Another suggestion made by ndl is to ask Mercers to take me to court. Just wondering what do you think I should do!! I can't think straight at the moment.

Feeling so C**p today have to go out the hospital this afternoon
Sorry about the rant.
Love to you all
Ally xx

rayday2

Maybe Mercers threats are just to get a phone number off you.

I would write back to them saying you see no need while they need to ring or visit you, you reply to all there letters and are willing to keep communications up with them.

The reason these companies want your phone numbers is they know you buckle under pressure on the phone by writing you are keeping the upper hand, keep sending the payments you have offered and stick to your guns.

Valley's_girl

Thanks ray
I have written to them recently, and have explained about my circumstances of my health and have enclosed a budget sheet for them. They are pobably peeved because they can't hassle me with phone calls.
I will write the them again.
Hope things are going well for you.
Thanks again.:A
Ally xx

newlywed

On other threads some have said it's just a scare tactic and they aren't that likely to send someone round because of the amount of money that would actually cost them (to pay someone to visit).

Sorry don't have any experience of Mercers though.

Hope that's the case for you and hope you are feeling better soon.