DMP Mutual Support Thread - Part 12

System

sourcrates wrote: »

I've heard the Norfolk broads are nice this time of year, no credit card needed there.

Yes that would be about all we could manage....actually going to Whitby for 3 days in June for my BIG birthday.

sourcrates

ploppy57 wrote: »

Yes that would be about all we could manage....actually going to Whitby for 3 days in June for my BIG birthday.

Just up the coast from me, a very popular resort, and busy all year round, if your into your wildlife, go out on one of the whale watching trips, usually see a few minke whales feeding.

Then there's the Steam trains, fish and chips, Yorkshire heaven lol !!!

System

sourcrates wrote: »

Just up the coast from me, a very popular resort, and busy all year round, if your into your wildlife, go out on one of the whale watching trips, usually see a few minke whales feeding.

Then there's the Steam trains, fish and chips, Yorkshire heaven lol !!!

Yes, we love Whitby, been several times. Love the steam railway and the quaint little shops on the other side of the bridge. Love it. Saved long and hard for a 3 night break for just £170.:T So looking forward to it.

Sazzie23

ploppy57 wrote: »

Yes, we love Whitby, been several times. Love the steam railway and the quaint little shops on the other side of the bridge. Love it. Saved long and hard for a 3 night break for just £170.:T So looking forward to it.

Oh amazing place, so many happy memories of holidays there as a kid as well as an adult. Enjoy :T

Caequinn

Thanks January, I didn't like the idea of a credit builder so will just stick with how I am

January2015

Morning everyone

So I've just checked the credit reports for this month and the MBNA unenforceable debt we settled for 10% is now showing as zero balance - but better than that they have removed the default and the payment history is all a lovely green colour. All records of late payments and default removed and account showing as settled in full. Result !

make_the_change

make_the_change wrote: »

All my accounts have finally been dafaulted :T including B-Card. However, B-Card agreed to backdate the default after I made a complaint and havent done so. Can I challenge this?

Can anyone help with this? Thanks!

January2015

make_the_change wrote: »

Can anyone help with this? Thanks!

How long ago did BC agree to change the default date ? It can take a few months for credit reports to update.

If it's been a few months then write to BC with another complaint they have not done as they previously agreed. Notify them they have 28 days to rectify the information on your credit agency reference files or you will take the matter to the ombudsman.

[Deleted User]

January2015 wrote: »

Morning everyone

So I've just checked the credit reports for this month and the MBNA unenforceable debt we settled for 10% is now showing as zero balance - but better than that they have removed the default and the payment history is all a lovely green colour. All records of late payments and default removed and account showing as settled in full. Result !

I couldn't be happier for you:j. A brilliant outcome and well done to you for putting the effort in and sticking at it:T. What a star:A


I hope you realise how much you're inspiring the rest of us to 'go for it':).

DavesDevil

Hello everyone,

I am very much a lurker on here but this forum is my daily lunchtime reading and it has given me so much confidence. I am 2 years into my DMP - first introduced myself in February 2015 and oh what confidence I had then - and not really making much headway - started off with 7 years and we are now at 24 years before our DFD - anyone else like that?

Since we started our DMP we have had another baby and when I returned to work my hours were reduced by 50% (lost a major contract so no choice), we also have a second property we rent out and had a nightmare tenant last year and it cost us all our EF plus borrowing from relatives to get them evicted. Since September we have been paying 2 mortgages, 2 lots of insurance & 2 lots of council tax (well couldn't afford to pay that so being taken to court). We have our second property up for sale and thought we'd sold it in January but the buyer pulled out after six weeks!

I am struggling to see the light at the end of the tunnel at the moment as I feel our debts are increasing not decreasing BUT all you lovely lot have given me the confidence not to worry about the debt. I am quite happy talking to my creditors and my mortgage providers when I struggle to make my monthly payments as you have all taught me they can't take what I haven't got. So as long as I pay my mortgage on where we live I feel relatively safe.

I will try and contribute more to the forum as I have little pen pictures in my head of the regulars and would love to have a drink with some of you -Ii think it would be very enlightening and entertaing!

So thank you all for giving me confidence to plod on and know that things will get better xx