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Is a DMP the way forward? Advice very gratefully recieved.
shell_girl
Posts: 642 Forumite
Hi everyone. I've just been on the CCCS website and given them my facts and figures and am gonna call them tonight for some advice. I think a DMP will probably be the way forward as I simply cannot afford to even start making the smallest of holes in my debts. Forgive my newbie naiveness but would anyone mind answering a couple of questions for me? Sorry I know I'll be talking to CCCS later but I'm literally shaking with fear here at work so it would be great to have a little more info.
I have some debts that are at a ridiculously bad stage- final demands, threats from collection agencies etc. But others, like my mortgage which is completely up to date. If I go on a DMP, will I still pay my 'up to date' things the same, or is that considered favouring some creditors?
Secondly, some months my OH will give me money towards my debts. We don't live together and have no joint obligations- he just tries to help as and when to help me out of debt (He's fab). This is not regular money and I obviously don't count on it- i just chuck it at a debt if it arrives. But how will this affect a DMP? Some months he gives me as much as £200, other months he has none spare. Will CCCS be able to help me if I can't be sure how much I've got coming in each month?
I've also posted this on the DMP thread- any help very gratefully recieved.
I have some debts that are at a ridiculously bad stage- final demands, threats from collection agencies etc. But others, like my mortgage which is completely up to date. If I go on a DMP, will I still pay my 'up to date' things the same, or is that considered favouring some creditors?
Secondly, some months my OH will give me money towards my debts. We don't live together and have no joint obligations- he just tries to help as and when to help me out of debt (He's fab). This is not regular money and I obviously don't count on it- i just chuck it at a debt if it arrives. But how will this affect a DMP? Some months he gives me as much as £200, other months he has none spare. Will CCCS be able to help me if I can't be sure how much I've got coming in each month?
I've also posted this on the DMP thread- any help very gratefully recieved.
Don't suffer alone - if you are experiencing Domestic Abuse contact the National Domestic Abuse Helplines
England 0808 2000 247 Wales 0808 80 10 800 Scotland 0800 027 1234 Northern Ireland 0800 917 1414 Republic of Ireland 1800 341 900. Free and totally confidential.
England 0808 2000 247 Wales 0808 80 10 800 Scotland 0800 027 1234 Northern Ireland 0800 917 1414 Republic of Ireland 1800 341 900. Free and totally confidential.
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