DMP & Mutual Support Thread - Part 11

Boldhoof

Just a quick thanks for the discussion on Noodle, appreciate all the different experiences, it is useful.

tequilabird

Just checked my new Noddle report - Barclaycard debts which were transferred to PRA Group are back on there and have been defaulted So that's everything defaulted apart from Creation Finance - boooo!!!!

Sazzie23

carbootcrazy wrote: »

Great news about being accepted by a new energy supplier, January and Sazzie:T

I didn't realise they credit-check potential clients:o. My credit score is in the very poor category (or whatever the worst level is called:o) and I still have loads of debt but have never missed a payment on the DMP since spring 2013.

Also, however desperate I was in the pre-DMP days I never missed a utility payment so maybe my chance might be reasonable if I wanted to switch.

Am happy where I am at the moment, have got a lower price from my current supplier and £10 a month off my DD but will bear it in mind for when my current contract ends:T.

I think in terms of credit scores many of us DMPers are in the 'worst it can be' score bracket, so yes big relief when they accepted me, although I'd already decided I had nothing to lose by applying, since there is only me would know if I got refused and I already know my credit score is pants:rotfl:

Sazzie23

Boldhoof wrote: »

Just a quick thanks for the discussion on Noodle, appreciate all the different experiences, it is useful.

Just to add my 2pen'th about Noodle. If takes several months for some of the creditors to catch up, but as a long term view of where my credit is sitting, like the mortgage and the secured loan, it's been second to none.

January2015

Sazzie23 wrote: »

Same here, still a bit worried I might end up having 2 payments in one month as it's been cold this month and my useage will be over the payment, but see what happens.

Hi Sazzie

I am having 2 payments in one month for my energy

Old supplier collected on 1st and new supplier collecting on 23rd (Monday).

I have money due back from old supplier but it won't arrive for a couple of week apparently. I did have £100 in my emergency fund....transferred it tonight to cover the double energy payment in one month and will put it back when the refund comes from old supplier.

Fingers crossed for you that you don't have this situation.

January2015

Just to let folks know, I went through the MSE Energy Club to switch my supplier. Like I said, I was worried we wouldn't be accepted because of credit status, but it has gone through with no problem.

As Sazzie says - nothing to lose by applying. Worst that can happen is you have to stick with your existing supplier. However, I don't see why anyone should have to pay extortionate rates for gas and electricity just because they have debt problems.

January2015

One of our debts has been passed to a DCA - all fine and dandy

Got a letter today offering us a 25% reduction in the amount payable to settle the debt in full:eek:

OMG, how I wish we had the money to accept this offer - unfortunately we don't and so continuing with monthly DMP payments is all we can do - but it gives me hope that if we manage to save anything towards full and finals (aka partial and finals;)) they will be open to negotiation on the amount.

Happy days

Brogden

January2015 wrote: »

One of our debts has been passed to a DCA - all fine and dandy

Got a letter today offering us a 25% reduction in the amount payable to settle the debt in full:eek:

OMG, how I wish we had the money to accept this offer - unfortunately we don't and so continuing with monthly DMP payments is all we can do - but it gives me hope that if we manage to save anything towards full and finals (aka partial and finals;)) they will be open to negotiation on the amount.

Happy days

Good news Jan and don't take any notice at all of any 'dates' and 'deadlines' 'special offers' 'sell by dates' and uuuuurgh 'campaigns ' .....yes

Wot it sez is their deeling and now they've started deeling thayll orlways deel .

Take your time.....when you want them they will be there listening

......you've got a friend :rotfl:!!!!

Brogden

Growurown

Anxiously awaiting pay day. Couldn't afford to get the car fixed so basically keeping our fingers crossed that the darn thing starts. OH has taken the poker from the fireplace to hit the starter motor with in the event of an emergency! It was OK today but who knows what tomorrow will bring. Only a few more days to debt freedom so that will be something to celebrate. Can't wait.

phil67

please please can you give me some advice please.firstly sorry im in wrong thread im new and havent a clue how you start a thread.

but the main thing i came to ask for advice is

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we are have nearly completed 2 years on our dmp plan with stepchange. but my question is we want to move to a council bunglow which we have been offered but my concern is will we be accepted by the houseing org when they see we are on a dmp plan.at present we rent privately we have always paid our rent on time please can we have some advice .