And so it begins my DMP journey

timeforaction_2

Well the stepchange papers have come haven't looked at them properly yet im worried sick ,but yet strangely relieved , cant wait to be settled on DMP.Don't know what to expect I think that's the worrying thing please wish me luck .......

Historybuff

Good luck TFA, you will feel a whole lot better once you have filled the papers in and sent them off. You won't look back. All the best.

Olivia-Louise_2

Good luck

*Subscribes* Will follow your progress

timeforaction_2

Thank you HB and im sure I will and Olivia thank you for subscribing xx

timeforaction_2

After looking at the stepchange letter today it calculates it will take 19 years to repay the debt OMG ,a sobering thought indeed. But you never know things can turn round in a heartbeat ,

Sickofthisdebt

Good luck timeforaction I am just beginning the DMP process with SC too. I am scared and relieved at the same time

I will subscribe and follow your progress

timeforaction_2

Hi everyone a catch up as to what has happened
All dd changed


Got a refund from our old bank for an additions account so drew out the cash and that's our emergency fund


So the overdraft has now gone courtesy of the refund


Posted all papers to Stepchange


Just need to do token letters now to the 3 banks involved


and hopefully will finally get some peace of mind

timeforaction_2

Got a letter today from RBS wanting to know my income and outgoings am I right in thinking that stepchange will see to that as I have given them our I &E thanks

timeforaction_2

Well got an email tonight our DMP is all set up SC has contacted our creditors so we are good to go, now to start getting rid of those debts OH knows that we have a debt prob and that SC are dealing with it big relief I would like to thank everyone on here for your support im going to be here for a while guys so relieved though

changeforbetter

Hi Timeforaction,

I'm still considering whether to do a DMP myself - can I ask how it has gone so far? I know you were similar to me in not letting your OH know about all of this, did you let her know the full amount of the debts, and about the DMP? Also, have you had a lot of contact and letters from creditors so far? Sorry for all the questions, but I'm not yet in the DMP and I'm very worried about it must admit.

Best wishes and hope yours is good!