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too scared to make a call
Comments
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There is no big secret to this, its no different to paying your accounts like you did before, except you pay a lesser amount.
Once you have set up online payments to your creditors, it takes seconds to pay them every month,
easy,
quick,
and free to do !!!!:TI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Did you have to include your income and expenditure
Its best practice to do this, you don't have to, but it can only help your cause.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Ah thank you0
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I see and you get all the financial details of which debt is which and who it is with on the call and phone / write and tell them how much you are happy to pay them? Is that what you did. Did you have to include your income and expenditure
Pretty much, Yes you would need to include your income and expenditure so they know you are paying what you can afford, That what gregory pennington have done0 -
Ah ok - and how would I track all of this?? Is it a lot of work?!! Sounds like it is until I get the hang of it?! Some of the debts are my partners we have a joint dmp if you could call it that with Gregory Pennington0
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Ah ok - and how would I track all of this?? Is it a lot of work?!! Sounds like it is until I get the hang of it?! Some of the debts are my partners we have a joint dmp if you could call it that with Gregory Pennington
Not really a lot of work, same principals apply whether its a joint DMP or single,
If its alot of creditors might be easier writing rather than ringing round, but its really not difficult0 -
The thing is the payment for the arrers catch up is 3/9/14 of 264 and I am just starting new job so need a bus pass and car needs new tyre..so can't afford it really and so don't know what to do0
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Oh from reading what you and others are saying the effort is worth it.. and hopefully I can get it paid off quickly - is there like a sheet that explains what budgets household you can have that they will see as acceptable0
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Oh from reading what you and others are saying the effort is worth it.. and hopefully I can get it paid off quickly - is there like a sheet that explains what budgets household you can have that they will see as acceptable
yes that link i gave you will pop up and tell you if you are over acceptable limits0
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