DMP & Mutual Support Thread - Part 11

LadyMorticia

Evening everyone.

It's nice to have the weekend to ourselves without builders around! They'll be back on Monday though. The bathroom is looking lovely. Just needs tiling and painting now and someone from the HA is coming on Monday to look at our kitchen leak so hopefully that'll get sorted too!

Thanks Sourcrates for your reply to my post a few posts ago. I know that I worry too much. It's one of my major downfalls. I'm trying to rein it in but it can be hard sometimes. At the end of the day, I know that I am paying my creditors all I can afford and that's all I can do.

Spoonhead88

Got £700 saved up, just another £100 to go till I can clear one of my debts. I know Stepchange frowns on it but I got to do what's best for me.

January2015

Spoonhead88 wrote: »

Got £700 saved up, just another £100 to go till I can clear one of my debts. I know Stepchange frowns on it but I got to do what's best for me.

Exactly - it's your DMP and you do what you need to do.

Well done you :beer:

alistar

Hi,
Was just after a bit of advice regarding Shop Direct. Two of my debts are with them and while all other debtors are showing my first payment on 1st June, neither of the Shop Direct accounts have acknowledged it yet. Does anyone have any experience on how long it can take before payments show?

sourcrates

alistar wrote: »

Hi,
Was just after a bit of advice regarding Shop Direct. Two of my debts are with them and while all other debtors are showing my first payment on 1st June, neither of the Shop Direct accounts have acknowledged it yet. Does anyone have any experience on how long it can take before payments show?

Shop direct are a total !!!! pain, if I were you I'd with hold payment from them till they sell on the debt, then deal with the new owner.

Makes life so much easier when they are out of the picture, as they are a total pain to deal with.

racht

alistar wrote: »

Hi,
Was just after a bit of advice regarding Shop Direct. Two of my debts are with them and while all other debtors are showing my first payment on 1st June, neither of the Shop Direct accounts have acknowledged it yet. Does anyone have any experience on how long it can take before payments show?

Hi- my payment to Very is taken on the 10th but usually shows up about the 24th of the month!!! Its always taken longer then any others to be credited for some reason?

alistar

Thanks for the replies. Shop direct have been so helpful so far, I hope they don't become a pain 😖

blisteringblue

ramblehan wrote: »

Can I start the DMP arrangements with everyone else, even if we still have a bit of money on the H@lifax CC's? Should I just 'ignore' them on the SOA statement?

Yes, that's the beauty of self managed DMPS you can run it exactly as you want.

I would pay all the others £1 a month while you save up an emergency fund and use that to clear HALIFAX.

System

Thanks BB - that's what I was hoping!
Still feeling like I need to be a bit brave. I'm going to write to everyone, cancel direct debits and make manual payments. Am I likely to get hassled by phone at all? Or just letters? All the guidance I have read seems to couch everything in worse case scenarios, but I would die if anyone called my work!

blisteringblue

They won't even bat an eyelid. Tesco will default you within 3 months and MBNA were also easy to deal worth for me. They have agreed to freeze interest for the length of my DMP as it is under 5 years.