DMP & Mutual Support Thread - Part 10

havecourageandbekind

Hi everyone,

Hope you don't mind a newbie joining in. My first payment went out to Stepchange the 1st of this month, looking forward to clearing my debt however long that takes (current projection is 11 years, hoping to get that down!). Been lurking around here for a little while now, thought I'd join in as you lot are full of useful information

Sazzie23

Hi Have courage and Spamtomorrow

Sorry can't help with details of any PDL details, but sure someone on here will have something to go on.

Welcome to DMP land and the thread, and wishing you a speedy DFD. You both sound pretty organised already so sure you'll be the ones giving advice in a few months.

:hello:

sourcrates

SpamTomorrow wrote: »

Can anybody help me with account details for these guys?

Mr Lender
Payday UK
My Jar
Pechy

I want to make tokem payments, which I would prefer to do electronically for simplicity.

Hi,
This is something you will have to ask the lenders directly, a quick call or email, will get you the info you require.
You should not rely on second hand information where bank details are concerned, although they could be given with the best of intentions, if they are wrong, you lose that money.

Growurown

SpamTomorrow wrote: »

Hello All

First post. Started my self maanged DMP as of today

havecourageandbekind wrote: »

Hi everyone,

Hope you don't mind a newbie joining in.

:hello: Welcome to the best, most helpful and friendliest thread on MSE. As Sazzie says you seem to be up and running, so good luck on your DMP journey.

SpamTomorrow

You're right, I guess I was avoiding speaking to them but it needs to be done. Feeling remarkably positive despite a spreadsheet full of scary numbers.

Best

Fitz.

SpamTomorrow

Thank you!

glitterunicorn

I've discovered a great tool to help with budgeting and I thought I would share with anyone who needs it.

Money Dashboard (I also got cashback through TopCashback even though it is a free service!)

It links to your bank account and you can tag all transactions. You can also add in recurring payments for the future.

I know there is a budgeting tool used by a few people here but you only get a free trial and then have to purchase so this may be a useful alternative.



I had my Credit Union loan take the DD payment from me and claim that SC hadn't been in touch! I thought I had cancelled the DD but it hadn't went through. Thankfully I reclaimed the money and SC have confirmed who they have spoken to as well as the address they have sent a cheque to so we will see how this pans out!

alamaya

First payment gone through to stepchange.
just curious. I have one debt that is only £65, stepchange are doing the minimum payment of £5 so of course interest is still being charged.


Am I able to make extra payments if I can or better to save and clear it?


Can I do this?

phoenixx

Hi all - been a bit quiet on the forum after a friend died suddenly a couple of weeks ago.
Hope you are all well and knocking down those debts. BC now on token payments - no backlash yet but no sign of a default either. Have taken on another job (no 6) but no5 goes shortly so there should only be 3 weeks of overlap. I am a bit daunted but may be able to offer a F&F if I can pull it off so feeling the motivation! Will update my sig in a minute.

Sazzie23

alamaya wrote: »

First payment gone through to stepchange.
just curious. I have one debt that is only £65, stepchange are doing the minimum payment of £5 so of course interest is still being charged.


Am I able to make extra payments if I can or better to save and clear it?


Can I do this?

Either or both, SC like payments to go through them but plenty on here done them direct, and you can just update the balance on SC website. As it's such a small amount do net foresees any awkward questions and it'd be good to clear at least one creditor.

Good lucked with it.

Sazzie, ps I'm on holiday in Uk with some mates:D