We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

DMP help :(

Good morning all

Im currently in a dmp with stepchange who have been so helpful. However im in a bind.
My car has needed some repair work- taking it to a big dealer to enable me to pay in 4 payments believing that id be able to budget around it. The car place has quoted me nearly 900 for the work that needs doing. I know i could be possibly being ripped off too but i could not get my car back as they had stripped it down to find source of problem and deemed it not safe.

Could i add this 4 payments to my DMP once its set up and running?

Im so embarrassed and ashamed. Ive never been so poor. My circumstances do not allow for me not to have a car for work ect and my partner is due baby anytime now. Due to pregnancy related issues have lead us to where we are now debt wise :(

Any help wil be appriciated.

Comments

  • sourcrates
    sourcrates Posts: 31,833 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Hi,


    I doubt the garage would be too happy about such an arrangement, and its not really a viable solution for you to consider.


    What usually happens in this kind of situation is the garage bill becomes a priority, and you reduce your DMP payments in order to manage it within your budget.


    Call stepchange and explain what you need to do, they will be fine, it is a common occurrence, and the way to deal with it is as i I have described to you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.8K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.8K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.