DMP & Mutual Support Thread - Part 10

kb_soma

Thanks Puzz, xxx

Ellieseleven

kb_soma wrote: »

Hey everyone, I made it to my DFD.

I'm in shock at the moment, but I finally got here. Without all the support on the forums and especially this one, I really don't think I would have made it.

You really are a very inspiring lot.

Keep going all of you, you're all doing so well!

(((hugs)))

Fantastic news! Well done xx

Sazzie23

kb_soma wrote: »

Hey everyone, I made it to my DFD.

I'm in shock at the moment, but I finally got here. Without all the support on the forums and especially this one, I really don't think I would have made it.

You really are a very inspiring lot.

Keep going all of you, you're all doing so well!

(((hugs)))

Absolutely fabulous, did you sign the debt free roll of honour yet?

You have returned the favour by offering your support and experience to others, that's what makes us mutual


&&&. Big hugs &&&&

Sazzie23

emsiedoodle wrote: »

Hi, this is my very first post. We have been on a DMP since 2010 with stepchange. Our payments are up to date, all creditors have agreed to our payments and as far as we have been concerned it has all been tickety-boo (as far as DMP’s go). We did have to reduce our payments a couple of years ago (agreed with all creditors) when our child was born due to me going on SMP and then the costs involved with nursery. I’ve just looked at our credit report on Noddle and realised that some of our creditors have waited 3, some 4 years until they have defaulted us. My question is, is it ok for them leave it so long before they issue the default? I understand and accept that defaults are par for the course, but it seems mightily unfair that they have left it so long, in turn adding years to us putting this debt saga behind us. In addition, a family member (my parents) have offered to pay off the remainder of our DMP and we pay them back interest free to help us get back on an even footing. Could we use this to help our position and get our defaults dated back to the start of the DMP. Has anyone had any success with this? Thank you all in advance.

Hi Emsie, welcome to the thread. Well done for making it this far.

I think the lending code says something about early defaults where there is little chance of being paid back promptly, if you try looking back at some of January15's post back in Feb March time, there might be something to quote, but I'm not absolutely sure of that so don't look there unless your have nothing better to do.

It's certainly worth complaining, first to the lender and then to the FoS.
Regards paying off your DMP with parents money, don't think anyone will quibble about that, but how they will view it regarding connection to defaults I'm not exactly sure. I think I'd be tempted to try getting the defaults backdated first and then pay off the DMP. No real evidence for why I think this, just a feeling....

KID77

Well done kb_soma xx

kb_soma

Sazzie23 wrote: »

Absolutely fabulous, did you sign the debt free roll of honour yet?

You have returned the favour by offering your support and experience to others, that's what makes us mutual


&&&. Big hugs &&&&

Yes, I did that. Feeling a bit odd today to be honest. Money's going to be tight this month.

Everyone, keep going, you can do it!!

Karen777

Well done kb_soma!! that's brilliant!

in my own good news - Hellifax have stoppe dinterest and charges - *keels over with dead shock* after 2 years and going to FOS twice - third times a charm I guess!

Triangle

Kb I'm so so pleased for you! Amazing news :j:j:j

Ellieseleven

Fantastic news Karen - well done:j

kb_soma

Karen777 wrote: »

Well done kb_soma!! that's brilliant!

in my own good news - Hellifax have stoppe dinterest and charges - *keels over with dead shock* after 2 years and going to FOS twice - third times a charm I guess!

This is great, and will help you get the debt down quicker!