Started my DMP with Stepchange tonight.....

Chrisblue1962

Good Luck Jemma.

Welcome to the merry band of folks who, like you, are taking control of their finances.

You'll have good days and not-so good ones but you can't finish a journey unless you start it lol !

Sazzie23

TimeToDoIt wrote: »

Ah I see, you sound much better organised than me

TTDI, don't let that put you off, once you get the ball rolling, things will start to change for you too

Bedsit_Bob wrote: »

You could move the DDs in days (sometimes hours), if you do it manually, using DD mandate forms.

That's what I do, when I move my account to a new bank.

I just rang up the companies and told them I had closed the previous account, didn't say why, and most of them just took new details by phone. Any that didn't had to wait until I set up the new dd. Bear in mind the creditors dd didn't need to move there were not too many.

sourcrates wrote: »

Gemma,
When I was in a similar position to you, I too got the phone calls, all the time, sometimes 10-15 times a day from various creditors.
So I took matters into my own hands, changed my phone number, and went ex-directory, and it certainly worked, it removed there first weapon of choice, BT will actually do this for you for free, if you tell them you are receiving malicious or harassing phone calls, which these calls can defiantly be classed as, of course you can now get a call barring service from nearly all providers, and some handsets allow you to barr certain calls (I have one of those now) as well.
I would certainly look into one of those options, as it gives you back some control over the situation.

Just to add, from reading these threads a lot, the catalogue people like Littlewoods and very can be quite aggressive by phone. I'd write to them telling them not to contact you by phone, only in writing. They wil reject your DMP too, like HBOS, but ignore and carrying on paying fixed amount. Remember you can only pay what you can afford and no more.

P.s. I'm an escapee from the DMP support thread too, come over and see us, we're very friendly.

corkey5068

please follow my blog it might help you guys out. helpwithmydebt.weebly.com

corkey5068

im bloging my dept free goal with Step Change

silentkiller

nathanp wrote: »

Hi Gemma

Did StepChange advise you to contact them directly?

I'm thinking of taking out a DMP with them and have the paperwork but don't know what to do with regards to making next months payments.

I was told to speak to mine directly to offer token payments - some of mine have taken token payments (I have 10 creditors), some have just put the account on hold.