DMP over, but now in temp severe financial hardship :(

beckstar1975

Today should be the happiest day, we've finally made the last payment on our £62,000 6 1/2 year DMP

Sadly, due to a glitch on our banking app the payment has gone out twice meaning we're massively overdrawn (although obviously don't qualify for an overdraft) and now rackng up charges left right and centre for bounced payments.

Bank are investigating and have themselves raised two official complaints, but just so upset that would should be a joyful occasion has been marred.

Still - one, unexpected child, three redundancies and several big changes in income later we've done it, and I can't quite believe it's over.

Just hope that Payplan can find the duplicate payment and return it quickly, to be fair they've been so kind and helpful today, if only same could be said for bank.

FatVonD

Congratulations and hope it gets sorted quickly :T

January2015

If the duplicated DMP payment was a direct debit your bank must give you an immediate full refund under the banking direct debit guarantee.

If it was a direct debit - do not accept the answer the bank are investigating. Demand the bank refund your money now and a refund of all charges incurred. In such cases where DDs have been paid incorrectly it is the bank's responsibility to recover the duplicated payment - not the customers.

Well done on clearing your debt - I am in awe of you

beckstar1975

Sadly - it was a standing order and manual payment. A glitch in the app meant the standing orders weren't displaying, as we had to extend the DMP by a month in January due to death of Mother in Law I assumed it wasn't showing as I had original set it up to end in February, and thus set up a manual payment.

So, today, the SO and manual payment both go out, bank admitting that checking the app at certain times of day makes SOs not display!!

Re the DMP it has been hard, it was much easier when the kids were younger and knew no better (and could have holidays in term time, we got weeks in caravans for about £200). As the eldest started secondary school and the other two are older it's been much harder for all of us as they see what their friends have and we can't afford. And, no matter how many times you tell family you have no money their idea of no money and ours (£30 to food 5 people for a fortnight) never quite matches.

I'm sure we'll look back on this and laugh, just a shame I've spent most of today (at work) in tears

National_Debtline

Congratulations on finishing your DMP beckstar.

If you’re short of money for essential things you could check whether you’re entitled to assistance from any charitable trust fund grants through Turn2us.

www.turn2us.org.uk

James
@natdebtline