DMP & Mutual Support Thread - Part 10

Growurown

Sazzie23 wrote: »

Not impatient - motivated !!:T:T

Yes indeed!

Kate_fixing_it wrote: »

Upon nosing through some paperwork I have also discovered that a share save scheme I'm locked into with work ends in May and...I hope you are sitting down...There will be enough to clear half of my remaining debt if I get no F&Fs!

Excellent news Kate. I had an interesting letter from the DWP sent to me on behalf of Equitable Life recently. Many moons ago I worked for a company and joined their pension scheme which was with Equitable Life, and back then it was regarded as a very good scheme to be in. Then they lost their court case and everything went pear shaped. Anyway it turns out I may be entitled to some compensation. They couldn't tell me how much and as I never earned much whilst I was there I'm not expecting a lot, but it all helps:beer:

Kate_fixing_it

flowerpotter wrote: »

That is fantastic progress Kate! :beer:

I have had two F&F responses. Lowell have offered a 20% discount on a small debt which I am accepting. Wescott have refused ANY F&F offers as apparently their client Three will no consider anything other then the full balance, whether or not it takes years to pay off.

xxx

BC initially refused because I'm "managing" the account and paying on time. I was furious so complained and they accepted my offer!

Worth considering that collection teams have monthly targets to hit too and we all know how tight January can be so perhaps call again near the end of January when they're unlikely to hit their targets

Kate x

FuzzyDF

Just wanted to thank all of you on here that have helped me this year. I really couldn't have started my debt free journey without you.

Wishing you all a happy and healthy 2015.

Slothy88

Everything is set up with SC!! They are now in the process of contacting all of my creditors, I have my log in and have updated all of my debts on there (since they have strafed charging me for being in arrears haha). My DFD is going to be 30th May 2018 according to SC, but my 30th birthday is 1st March, so my aim is to be debt free by then. Realistic I'd say, assuming everything goes well.

My OH took me shopping and to the cinema today as part of my Christmas present, and he bought me a very plain cardboard ring binder file. He said we're going to decorate it with colourful, pretty things and photos of us, so that even if my DMP contents are ugly, at least they'll be in a pretty file

Hope everyone has a LOVELY New Year's Eve - I'll be on call in my volunteer job with the ambulance service, so if you're celebrating have a drink for me (and for everybody else considering or on a DMPS right now!)

Sazzie23

Happy New Year everyone,

may 2015 bring you health, happy memories and successful debtbusting

ailz95

Happy New Year everyone. One step closer to DFDs.

fermi

If people have a sec, please add yourself to the running totals on the How much did we pay off in 2014? thread.

Time_to_face_the_music

Happy New Year everyone :j

Let the 2015 debt busting commence!

TTFTM x

Ellieseleven

Slothy88 wrote: »

My OH took me shopping and to the cinema today as part of my Christmas present, and he bought me a very plain cardboard ring binder file. He said we're going to decorate it with colourful, pretty things and photos of us, so that even if my DMP contents are ugly, at least they'll be in a pretty file

I love this!

Well done on getting your DMP set up.

Ellie xx

flowerpotter_2

Kate_fixing_it wrote: »

BC initially refused because I'm "managing" the account and paying on time. I was furious so complained and they accepted my offer!

Worth considering that collection teams have monthly targets to hit too and we all know how tight January can be so perhaps call again near the end of January when they're unlikely to hit their targets

Kate x

Thanks for that Kate.

[FONT=&quot]I will certainly try again at the end of January but this offer was my second F&F to Wescot of 2014 with a very similar response so I think they may stand firm. It’s not the end of the world as it is one of my smallest debts just annoying as nearly all the other creditors are open to some sort of settlement offer.

xx[/FONT]