debt managment plan

bluebell1962

hi I'm in such a mess , I've done something stupid ! last year jan.07. started dmp. i owed about 2.000 ish . but in Jan i had to leave the home i was living in with my disabled daughter , [not my fault landlord selling ]& relationship break down at same time . i walked away with NOTHING
i managed to rent somewhere else all very good so far! but i then i became a grandma 2x and what with that buying stuff for new grandchildren and stuff for my home Ive run up a 1,000 . debt i know stupid:o but i have depression, fibromyalgia asthma epilepsy and panic attacks no excuse i know but it does cheer me up to make others happy , but I'm know being treated for my depression again , and am beginning to see things a bit more clearly , what i wanted to know will ccccs throw me off the plan ?
I'm too scared& thoroughly ashamed of my self to contact them , just wondered if any one could give me some advice please , don't get mad at me please i feel so bad already , just honest answers . thanks

Sassers

Oh bless you (((hugs)))). I'm sure others will be along soon enough on here but it seems that while you are feeling strong enough, might it worth calling CCCS and explaining?
It's very hard I know but I'm sure they will understand - I was thrown out of my house not once but twice with little more than I stood up in 10 years ago and if I'd known at the time how much help was out there, I would have snapped people's hands off!
You aren't alone remember - there are plenty of people and organisations out there who will help you and not judge you. Even the peeps on here will help you as much as they can......
Very often we judge ourselves too harshly - don't do that as life is hard enough as it is without putting the boot into yourself as well!
Take care now
Sassers xx

bluebell1962

thank you sassers , Ive just spoken to cccs and they have now kicked me off the dm plan ,as ive broken the term of my agreement with them , but they are going to send me a self help pack . that i have to sort out my self ,ill keep you up dated .dont know how this is all going to work out

debrag

I've added to my DMP once it was started

debrag

you can go to Payplan

loneranger

bluebell -If you feel up to self managing your DMP it can be quite therapeutic -anyone who has done it will tell you that it is really empowering to sort it out yourself.If you don't feel able to do that then there is always payplan or the CAB. Whatever you decide you can always get help by posting on here -you will get loads of support.

keelyjrs

Hi Bluebell
I have fibro too and also hget a lot of anxiety attacks particularly over our debts. Am trying to pluck up the courage to call cccs and set up a dmp. pm me anytime if you want to have a good old moan about debt or aches, pains and fibro fog!!

mummytofour

As suggested, try pay plan.

bluebell1962

hi & thank you all do i have to tell pay plan that I've been kicked off cccs dmp . ? i find it so hard to concentrate on stuff [fibro fog , ] and dont think i could get to my local cab , as i don't get out that much ,but maybe try pp, thanks again for all your helpful replies . . BB

debrag

I'm not sure if your ceditors will question the fact that payments will be different. I would get everything down on paper and then phone them.