DMP & Mutual Support Thread - Part 10

Slothy88

Hope things pick up for you soon Kate xx




I had my LAST COUNSELLING SESSION ON FRIDAY!!!!!!


I am now 'depression free' to put it bluntly. I'm not sure if it's quite as straightforward as that, but man do I feel a million times happier than I did six months ago! And it had been going on for the last year and a half! :T :T :T


Even car troubles can't get me down right now!! I need a new exhaust, as mine has a hole in it so it sounds like I've got a souped up engine haha! It's ok though, the damage is only approximately £80, so that's definitely doable!


First payment to SC is going today over the phone


I have updated my diary too


Hope everyone's Monday isn't too bleak! ONE STEP CLOSER TO THE WEEKEND!!

Rooster01

Here is my dmp information so far........

Dmp started 1st January with payment to creditors 25th of each month.

Halifax - Accepted plan with interest frozen. Review 6 months time.
Nationwide CC - Accepted with interest frozen. Review 12 months time.
Aqua - Accepted and all interest frozen.
Littlewoods - With RMA Resolve - Accepted and interest frozen.
Very - With RMA Resolve - Accepted but BNPL interest to add on.
Sunny - Accepted with all interest frozen.
Quickquid - surprisingly accepted and all interest frozen.
Barclaycard - Accepted but have reduced interest to 3%. Won't budge.
Springcoin - SEVERAL TIMES INFORMATION SENT VIA STEPCHANGE BUT CONTINUE TO STATE NO INFORMATION RECEIVED..........????????

So far so good......Hope Springcoin accept but seem to be playing a game.

Time_to_face_the_music

Rooster01 wrote: »

Here is my dmp information so far........

Dmp started 1st January with payment to creditors 25th of each month.

Halifax - Accepted plan with interest frozen. Review 6 months time.
Nationwide CC - Accepted with interest frozen. Review 12 months time.
Aqua - Accepted and all interest frozen.
Littlewoods - With RMA Resolve - Accepted and interest frozen.
Very - With RMA Resolve - Accepted but BNPL interest to add on.
Sunny - Accepted with all interest frozen.
Quickquid - surprisingly accepted and all interest frozen.
Barclaycard - Accepted but have reduced interest to 3%. Won't budge.
Springcoin - SEVERAL TIMES INFORMATION SENT VIA STEPCHANGE BUT CONTINUE TO STATE NO INFORMATION RECEIVED..........????????

So far so good......Hope Springcoin accept but seem to be playing a game.

You will normally perform an annual review with Stepchange and they tell your creditors of any changes. As you have a 6 month review date in there, you need to set yourself a reminder for a couple of weeks earlier and then remind Stepchange to send out the information again. It sounds like something they should do automatically but it helps if you trigger it.

TTFTM x

hopeful1983happy

Sazzie23 wrote: »

Hi Hopeful, congrats on baby 2, a true DMP baby:D. Pleased to hear it's all going well.

I remortgaged for different reasons, but was only able to get a remortgage with my existing lender, which was surprisingly straightforward once I fessed up to the, about the DMP. They gave me a better rate than I had been on so I wished I'd done it before:rotfl:

Regarding defaults, might be useful to say which creditor as someone else my have relevant experience, and have you complained either to them FOS or both?

Have a good debtbusting day everyone.

Thank you so much for your reply.

Sadly NRAM don't do new mortgages- they are the body that picked up northern rocks mortgages. Anyone any suggestions of how to remortgage on a DMP? Which lenders take people?


Re not being defaulted: it was originally an Egg loan, then it went to Moorgate DCA then Idem Servicing DCA. Is there a link or thread somewhere that has template letters for asking for a default please? Thank you so much for your help so appreciated

H1983H

Kate_fixing_it

Oh you wonderful people xxx It's not something I'm in a place that I can talk about at the moment but I'm getting better about it.

It seems that I DON'T need to chase creation about interest stopping or reducing and won't need to bother the FOS. Just received a statement and the estimated interest for next month is £6.81. I can live with that. They'd "reduced" it to 0.97% when I entered the DMP but my payment each month was only 50p more than the interest on the debt (of nearly £3k).

AND... They've refunded £219.61 to the account :j :j :j it's titled "Goodwill Compensation" which sounds like a bit of a paradox to me but I'm ecstatic!

On my last post I'd got my 8s and 3s mixed up - and not in a good way. I now owe £8,835...or at least I thought I did until 10 minutes ago. I in fact owe £8,623 (and January's SC payment is yet to be taken off that so really £8,493) so I won't be seeing the 8k line in March it'll be May, which is my birthday and I'm happy with that

Kate x

Debt-queen

Evening all I'm just in the process of sending letters to my creditors to freeze interest has anyone got the address for barclays and Mbna to which I sent them to I checked on their website but got the address just for complaints wondering is that where is send them.

SquirrelNuts

Debt-queen wrote: »

Evening all I'm just in the process of sending letters to my creditors to freeze interest has anyone got the address for barclays and Mbna to which I sent them to I checked on their website but got the address just for complaints wondering is that where is send them.

You found the thread Debt-Queen - Welcome! :j

For Barclaycard the address I sent my letter to was:

Barclaycard House
PO Box 5592
Northampton
NN4 1ZY

cheers,
Squiz

Debt-queen

Thanks Squiz you always come to my rescue you have done so much in such a sort time well done I enjoy reading what you achieved it's gave me hope thanks

Rooster01

Any advice about Springcoin dmp folks????

Stepchange state they have sent info off several times but Springcoin insist nothing received. Springcoin have asked for information to be sent via email but Stepchange refuse due to data protection act? I did ring Springcoin and ask to be put through to debt management department but nobody available?????? Strange ? ??

minkeymootoyou

So my loan DD came out early, i cancelled the payment and DD on Sat. The money should have been refunded within 24 hours, it wasnt.
Numerous chats with Natwest said it will be back tomorrow morning.

Problem: I had no money in my account, minus amount now, and £330 in my esaver. Rent comes out tomorrow !! If i put my rent money into my account, the money will be eaten up by the minus amount ! The guy on chat said if i put money in after 2:30 it will show £207 ish but it will be ok in the morning, I bloody hope its returned and my standing order for rent can go out !

Anyone else had this problem??

Basic card account literally just opened: took over 2 weeks.