DMP & Mutual Support Thread - Part 10

City1

Help,

I have been trying to use the budget tool:

https://www.adviceguide.org.uk/england/debt_e/debt_help_with_debt_e/debt_budgeting_e/debt_budgeting_tool_e/nonprioritydebts.html


It doesn't have enough rows for all our debts, any ideas how I get around this problem?


Cheers.

City1

Sazzie23 wrote: »

Hi City

I think this is possibly not the best thread, for this one, and I'm sure I'm not the best to answer but I'll give you my ideas and see if you can get anywhere with them.

1. I think you are not yet into your DMP, if you were to pay token payments like recommended by Puzz and others earlier, would this give you enough breathing space to pay back the tenant?

2. Could the tenant use the direct debit guarantee scheme to reclaim the payments back out of that account, I truly don't know how this works but it's a suggestion. The only thing is from my understanding a direct debit is managed by an organisation claiming the money, in this case you...so it would be on you that it wasn't cancelled, although yes tenant should have cancelled it too, if it was a standing order, then it was on him to cancel it and the direct debit scheme wouldn't apply in which case this doesn't help you at all.

3. Ask national debtline for advice (free and sometimes appear on the forums)

Hope this helps you start fixing it

Thanks for the reply, I think we are going to work something out between us. It is just another thing ...

Time_to_face_the_music

City1 wrote: »

Help,

I have been trying to use the budget tool:

https://www.adviceguide.org.uk/england/debt_e/debt_help_with_debt_e/debt_budgeting_e/debt_budgeting_tool_e/nonprioritydebts.html

It doesn't have enough rows for all our debts, any ideas how I get around this problem?

Cheers.

I would suggest you do this via the NED CAB DMP website, I think you can add as many non-priority debts as you need to.

https://nedcab.cabmoney.org.uk/dmp.asp

Powered_By_Pies

Well, I've well and truly fallen off the wagon....

Turns out I forgot to budget in my DMP payment for this month, complete rookie mistake and now I have virtually no money to last me the month. I have the £100 I'd put back for the car's cambelt which is now going to have to be used, as well as going down to the bare minimum in expenditure until the next payday.

Kicking myself on this one, I thought I had about £300 more than I actually did! What a monumental ****-up that was!

On the plus side I contacted HMRC yesterday to see if I qualified for a rebate - bittersweet result with that, I'm due a rebate of about £120 but it's going g to take them about 2 weeks to send the calculations and cheque to me. So in theory if I can live on a shoestring for the next few weeks until payday, I'll be able to replace the cambelt fund with the rebate money.

I'm still learning, it seems

Monkeyballs

Hi Pies,

Tsk tsk tsk how very dare you!

It's only a couple of weeks at least, so a great excuse/time to see just how cheaply you can live! I always try to think positive

MB of G x

Powered_By_Pies

Monkeyballs wrote: »

Hi Pies,

Tsk tsk tsk how very dare you!

It's only a couple of weeks at least, so a great excuse/time to see just how cheaply you can live! I always try to think positive

MB of G x

It's more an irritation than anything else, a classic case of me thinking I had more than I actually did due to a moronic miscalculation. Won't be making that mistake again. Thankfully I live at home with the parents so food and day to day costs won't be high. Only expenditure I need to account for is fuel...

On the plus side, I got the letter through from the car finance company today to confirm The hire purchase is all finished - after 4 years I'll have an extra £164 per month from now on, so that's one sustainable debt cleared!

Growurown

Kate_fixing_it wrote: »

It's here...My milestone day...

I have a grand total of £3.23 to my name (until Monday) which admittedly I'm stressing about a little and I don't know why because I don't need anything but...

TODAY MY PAID TOTAL CROSSED THE £5000 MARK :j :j :j

Oh and I'm prescription free finished the last one off yesterday.

Kate x

Well done Kate:j

Monkeyballs wrote: »

Noooooooooooo...

Oooh sooorrrrreeeeee, I just love Haribo more:D

Powered_By_Pies wrote: »

Turns out I forgot to budget in my DMP payment for this month, complete rookie mistake and now I have virtually no money to last me the month.

Oops, easy mistake to make. Can you sell anything on fleabay, car boot etc.?

I know some people in the past have been able to get step change to refund some of their DMP payment when an unexpected disaster has happened, and then a reduced payment goes out to creditors. Probably not an option you want to go for though if you can manage to struggle through.

Powered_By_Pies

Growurown wrote: »

Oops, easy mistake to make. Can you sell anything on fleabay, car boot etc.?

I know some people in the past have been able to get step change to refund some of their DMP payment when an unexpected disaster has happened, and then a reduced payment goes out to creditors. Probably not an option you want to go for though if you can manage to struggle through.

Nothing to sell on fleabay etc. A mate's got a bike he wants me to put on there and if he gets about £300 for it I can have a £50 cut, apart from that I just have to convert the cambelt fund into an emergency fund and hope I don't need to take any more from the rebate money that's coming in and I can put that into the cambelt fund when I get it. By that time I should have been paid and hopefully all will be back on track. Although car tax and MOT is due at the start of August, so next month could be fun as well!!!

blisteringblue

Hello all and welcome the newbies.

Another busy week in BB Land. Up and down the country as per normal.

Weekend away golfing so today is my Friday, woohoo.

Sainsbury's Bank still giving me grief, although to be fair it does seem to be as much SCs fault. Sainsbury's insist I should be paying their normal retail collections but Stepchange say it is the in house DCA.

Only 1 payment has made it through from the DCA to the main account so something is amiss.

3 phone calls later I think we are sorted. SC have a listing for the account and sort code that Sainsbury's want me to pay so they are going to change the account to that from this July payment.

Sainsbury's frozen the account again while they wait on more paperwork from SC because my non payment! has resulted in my payment plan being cancelled.

P1ss Up and Brewery springs to mind, but as the sun is shining and it looks like its sorted I'm happy enough.

And I'm currently averaging 55mpg in the new car (Hybrid) which is brilliant, will be quids in from the last company car which can all go in my emergency fund.

Happy Days :j

Suseka

Just popping on to see how everyone is doing. I've no particular news, still waiting to see if the two BCs have been defaulted and that'll be them all done :j

Great as always to see that newbies are receiving sound advice and there's some good ole banter going on - nothing like a bit of humour to cheer the day

I've been busy beading (my new hobby) whilst on leave this week and planning on building up a stash to sell at a Christmas Fair. Don't expect to make much, but anything will be welcome and it helps keep my mind focussed when things start to get on top of me (work's a bummer at the mo).

I've still got a PPI claim to pursue, a case that's been going round in circles for at least 2 years now and I'd almost given up thinking I can't deal with that on top of the DMP....but with my first annual review behind me and the DMP in full swing I'm going to dig all the paperwork out again.

But for now I'm just enjoying a bit of R & R