DMP & Mutual Support Thread - Part 10

Sazzie23

zenshi wrote: »

Thanks

Not quite sure what happened really! I just got out the habit of being online....mainly because my internet was so awful. Took eons to load pages. Anyway, I swapped providers and it's brill

Life chucks ups and downs at you every now and then but getting back on track. Couple new debts surfaced, my roof has developed a leak but I'm won't let that get me down. Onwards and upwards they say

Must admit, being involved on here really does help to focus so I will try and get myself organised and keep up to date

Sounding very positive, I know what you mean about getting about of the habit...but glad you're back and not completely flooded out.

Out if interest, What happened with the new debts ? Did they get added to DMP ?

lewpster

Hi, I need to send token payments to a couple of creditors as i've forgotten to do it and I cannot find how to do it. Tried to do it online but that option is not available?

Tesco have added a late payment fee and obviously not had my letter or just decided to do it anyway?

I don't get statements and can't see how to send a cheque or who to make them payable too for the ones I can't do online?

Thanks

lumpyspaceprincess

Hiya all, hope all is well x

Dipping back in again, paid the overdraft off and my DMP starts again without a payment friday. Pretty skint month, selling lots of bits to go on with, but will be back into it 1st november.

It's going to be nice not having the OD I think, for the first time ever it'll really make me concious of what money I don't have. Also determined that for november I'll actually get YNAB working again, it will be much easier now I'm not trying to work around overdraft reductions etc. Clean slate again.

blisteringblue

Been so busy almost forgot another payment had gone out! LOL, having a well deserved week off this week too. Anyway happy new signature day.

Storming towards to 40K's like a steam train.

zenshi

Sazzie23 wrote: »

Sounding very positive, I know what you mean about getting about of the habit...but glad you're back and not completely flooded out.

Out if interest, What happened with the new debts ? Did they get added to DMP ?

I'm having to do self managed, so I just added them. Had to cut my frugal food budget even more. There's nothing else to cut back on

Growurown

lewpylew wrote: »

Hi, I need to send token payments to a couple of creditors as i've forgotten to do it and I cannot find how to do it. Tried to do it online but that option is not available?

Tesco have added a late payment fee and obviously not had my letter or just decided to do it anyway?

I don't get statements and can't see how to send a cheque or who to make them payable too for the ones I can't do online?

Thanks

I found creditors did add fees and charges at the beginning of my DMP until everything settled down. Tesco did stop all interest and charges for me once everything was up and running. Could you phone those creditors and pay over the phone, or ask them for details where to send payment?

lewpster

I've managed to fathom it out! Get no statements so printed off the RBS/Natwest ones and sending off £5 cheque with the payment stub. Others I've done online.

Guessing I just keep my head down, 1st Stepchange payment for £70 goes out next month then it goes up to £180 a month in December. My temporary overdraft whilst I get sorted will be gone and I'm getting there.

So so so hard having no money but keeping away from shops, trying not to go out which I feel bad living like a hermit but it's not forever and will be worth it once things are up and running

Just hope I don't get a flurry of horrible letters but guess this is part of the course and will be ok once things are sorted and my payments are stable etc

Karen777

Hello - there is normally an increase in attempts to contact you from creditors at the beginning but open them and file them and remember that you are dealing with it. Payplan used to let me send my post to them which felt like a huge weight off - I spent years not opening post so evening opening it was a big step for me! Do stepchange let you do anything similar? Just remember it is generated by a machine and not personal. You have a plan and let Stepchange help you. Things will calm down and you will hardly recognise yourself most likely! My life is so different now I can't tell you. I have been at this for a year and a half and kick myself for taking so long to realise I could get myself out of this darn hole!

About shops - I have issues with not comfort shopping - so my advice would be as you said, just stay away from temptation or don't take cards with you if you do have to go near shops.

You're doing good!

Karen777

On another note - does anyone else get a bit twitchy waiting for their statements (on a self managed dmp) - it's the gap between being paid and making my payments to creditors - it's not that I want to go and spend the money, far from it, I want to get the debt down and have the buzz of getting my new figures each month. It's funny to think that I lived in dread of post/ contact from any creditor and now it's like 'c'mon tell me my numbers!!!!'

Monkeyballs

Growurown wrote: »

Weird. I got a letter addressed to me (where I am living now and have been for the past ten years) asking me to confirm my address...

Ha, I just got a follow up email from Moneyshop thanking me for replying to the email they sent to me asking for me to give them permission to email me using the email address I gave them to contact me on! They have said that if they need to contact me in future they will email me...

Perhaps business is slow and they're bored?

MB of G x