first DMP payment made!!!

debtmummy10

had my next meeting with CAP and have decided to go ahead with a DMP, as most of the debt is already defulted this is the least damaging option and i want be safe in my conscience that I did all i could to pay it all back regardless of the circumstances they were aquired in.
I have just today gone to the bank and paid the first payment of my DMP!
Im sooo happy. I feel great knowing this is the start of an amazing journey.

debtfree*wannabee*

I am with CAP too and it is best thing I ever did. Well done and hope you all goes well for you. It gets better as the months go by and it is good to have them supporting you all the way.:j

Deep_In_Debt

Good luck with it. There is a light at the end of the tunnel and you are heading towards it. It will soon start to shine brightly.

antonic

Congratulations !

It brings back memories to me of Dec 2005 , when I made my first one.

Now only 2 to go.

debtmummy10 wrote: »

had my next meeting with CAP and have decided to go ahead with a DMP, as most of the debt is already defulted this is the least damaging option and i want be safe in my conscience that I did all i could to pay it all back regardless of the circumstances they were aquired in.
I have just today gone to the bank and paid the first payment of my DMP!
Im sooo happy. I feel great knowing this is the start of an amazing journey.

moohound

Well done in getting it sorted and taking the first step on the road to debt freedom.

Remember to write to any creditors who still apply interest.

Don't worry about calls and letters they eventually cease.

zenshi

I made my first payments this month too but am going it alone!

The first few weeks after I sent my letters were a nightmare! The phone was ringing about 20 times a day, I just couldn't answer. But it's all gone quiet now

eyeopener2

Well done all of you, that first step is the hardest. I remember mine 3 years ago next month, best thing I ever did.

5 more payments left now all being well.

E2

moohound

zenshi wrote: »

I made my first payments this month too but am going it alone!

The first few weeks after I sent my letters were a nightmare! The phone was ringing about 20 times a day, I just couldn't answer. But it's all gone quiet now

well done on going it alone, you are braver than me, but I guess it gives you more control.:T

zenshi

moohound wrote: »

well done on going it alone, you are braver than me, but I guess it gives you more control.:T

LOL, not my choice!!!! Stepchange and National debt line both said I didn't have enough spare money to enter in a DMP with them.

The thought of it was terrifying but as you say I am in control and even now, less than a month in, I'm feeling better

plum44_2

I started a DMP with Stepchange in 2010 and it was the best decision I've ever made. We are all reluctant to admit things are out of control but the sooner you get on a DMP the sooner you can get rid of the debt. Our resistance to our credit file being affected keeps us from going on a DMP but the fear is unfounded- this path is going to save you.
I am now debt free and the defaults have made no difference to me and will drop off my file in 4 more years.
Now I live without credit, I dont buy things I dont need, I have this years holiday booked and I have money saved.
Throw everything you can at your debt and you will watch it melt away...

Suseka

debtmummy10 wrote: »

I have just today gone to the bank and paid the first payment of my DMP!
Im sooo happy. I feel great knowing this is the start of an amazing journey.

Woohoo :T well done and good luck. Don't start mine until 1st June and looking forward to and dreading it at the same time! Good luck.

zenshi wrote: »

LOL, not my choice!!!! Stepchange and National debt line both said I didn't have enough spare money to enter in a DMP with them.

The thought of it was terrifying but as you say I am in control and even now, less than a month in, I'm feeling better

Crikes.. but well done to you to :T