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Additional borrowing on mortgage whilst in DMP

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  • recklessmurmur
    recklessmurmur Posts: 51 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    Hi all. An update. 
    For everyone asking about my position, I had saved a healthy emergency fund which needed to be used after life throwing me things over the last 3 months. I was glad to have the money aside, but it now sits at about £500 left which obviously is not covering a boiler replacement. No one can generally plan for their boiler being condemned, and I'm only a year in, so cut me some slack please. I haven't used any type of credit since April 2024 now.
    I am doing my very best, with two children & being a single income household not entitled to any benefits at at all & working full time. 
    Okay so officially I guess the DMP hasn't started as I am not paying anything towards my debts yet. I just save this into my emergency fund. 
    My SOA is up to date & working well, with me saving each month & I have pots for planned annual spending. 
    I was just looking for some emergency help/ideas as I'm sure others in my situation would too. 

  • recklessmurmur
    recklessmurmur Posts: 51 Forumite
    Fourth Anniversary 10 Posts Name Dropper
    Just the two creditors. No other debts except mortgage 
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