feel overwhelmed

fatbelly

Personally I'd prioritise getting teeth sorted over nonpriority debts.

I had problems with a tooth that was only sorted out with a root canal filling and a (good quality) crown. It cost a bit but it's 15 years on now and no issues

If it's a one-off problem, just pause the dmp for a bit. But ideally your budget does include something for dentistry and prescriptions

Jabby1

Roughly 18,000 across different cards and loans 
i rent 

Jabby1

Even if I could have a break for a couple of months it would hel

RAS

Please try a local teaching hospital if possible. Then find out how much the extraction will cost. Then tell Payplan you need to halt until that is paid off. You will not be performing at your best until it's sorted. They'll understand.

sourcrates

Jabby1 said:

Roughly 18,000 across different cards and loans 
i rent 

Folk worry about not paying non priority debts, and its really unwise to take that stance, they lent you money they never had in the first place, and you have been paying through the teeth, pardon the pun, ever since.

Non priority means if something more important needs paying, then the debts don`t get paid, its as simple as that.

Creditors are well aware of this fact, all you have to do is say your circumstances have changed and you won`t be able to pay anything for at least 6 months, you will look at the situation again then, that`s all you need do.

Jabby1

I have managed to get an appointment at the dental hospital so 🤞 they can help. 

Im still ever so slightly stressed and feel sick about my debt I just feel like a massive failure to some degree and quite stupid but then I think there have been reasons why I’ve ended up in this situation I suppose I just have to move toward doing the best I can 
thank you for all your advice 

RAS

So glad at least one thing is working out. A step at a time.

in_need_of_direction

We all feel like failures for different reasons.  For you, everything is fixable. Just listen to the good advice you get here, work to a plan and things will come good. Hang in there and look after yourself. 

HenryMSingh85

First off, you are not alone in this, and you are not failing. You’ve taken action by entering a DMP, which means you are actively working on a solution—that takes courage. It might feel overwhelming now, but this isn’t forever. This is just a chapter, not your whole story.

I think its just about reframing the narrative around DMPs:
1) It's temporary + every payment you make is progress
2) DMPs technically do stop things from getting worse
3) It's a far better option than defaulting

remember you're working your way OUT of debt and not getting deeper into it

Also, most employers don't check credit unless you're applying for a financial role (banking, accounting, etc)

You're not failing, you're just in a tough season, and tough seasons pass.

Hope this helps.

 

sourcrates

Jabby1 said:

sourcrates - i thought if i didnt stick to it they could then go for ccjs or court if i break the agreement? i hate this whole thing i'm so angry with myself ive ignored the problem and now feel like its just too big and i'll be in debt forever

There are quicker options to get out of debt.

Have you looked at a DRO? (debt relief order) check it out, see if you meet the criteria:

Debt Relief Orders. Eligibility & How To Apply. StepChange

If you don`t qualify, and you can raise £680, there is always bankruptcy.

So you do have options, now although I would not normally recommend bankruptcy for an 18k debt, if it was done for the right reasons, to clear your head, give you piece of mind, get rid of the debt in one go, and give you a fresh start, then you do have that choice.