DMP Mutual Support Thread (Part Three)

carlos700

When i sent my token payments off i got a letter back from Lloyds saying thanks for your token payments we have added it to your account so i rang them to ask whether they were accepting my DMP with CCCS and they told me they was but i have not got it in writing .

Nothern rock & MBNA i have got a letter saying they accept

Lloyds credit card i have not heard back they did not write to me they wrote to CCCS saying they do not accept .

CCCS say you do not always hear back they just take the payments .

Northern Rock & MBNA i think i only have it in writing because i rang them and asked could they put it in writing .

I am only 1 month into my DMP I did not think that i would get decisions so quickly back from creditors .

gonna_be

hi everyone this is my first post, but have been reading with interest for weeks now. you have all been inspiration to me. I had my lightbulb moment in feb just gone .we knew (dh and me) had alot of debt but just kept our heads frimly in the sand never adding it all up!!!!! when i did i felt sick.credit cards paid for food etc.in fact we wee both in tears. Its the old old story of spending more than earning, taking up offers of loans, cc, etc etc anyway I rang debt help line. the wonderful lady on there made me feel energized. and I no longer feel a failure.we have been accepted with CCCS and TODAY MADE THE FIRST PAYMENT. I have got to say I felt so proud. We have a long way to go with 12 creditors (90k gulp) but at last it feels like theres a light at the end of the tunnel.(I can see the glint!!). the best thing for me is being happy to come home not worry about letters and being happy to answer the phone. A BIG THANK YOU to you all for helping me get switched on so to speak.I am so proud to be dealing with my debts

gonna_be

oh forgot to add my name gonna be =gonna be debt free will take a while but gonna be. lol

Bigdi

Good morning gonna be! For the record, your post is an inspiration to me as even though I am 4 months in with my DMP I feel exactly the same as you with letters, phone calls etc. I too, felt physically sick when I took my head from out of the sand. How good does it feel to have cash in your purse? Can't measure that feeling! We have absolutely done the right thing. Welcome!

ald65

Hi Gonna be

we are now six months into our DMP. We owed approx 89k to 15 creditors.
We now owe approx 84k. We were in the same situation as you [paying for food etc with credit cards] and I can honestly say the DMP has been the best thing ever.
good luck and well done

mumzyof2

Morning all another 2 creditors cashed my cheques today im just waiting on nationwide to cash theres, and when i have my new bank card here im sending the payment and dmp letter to natwest for my o/d i have with them Hopefully do this b4 my hols which is a week on sunday. I then before i go on hol need to ring everyone who i have dd's with and my benifits to change of bank details but with 2 weeks away with no money (as benifits dont pay u for about a week) i will be fine as my mum paying

mumzyof2

Well done gonna be.. Im just setting my dmp up with cccs first payment is may 1st

mumzyof2

Can someone answer my question which is at top of this page..must of missed it again

newlywed

mumzyof2 wrote: »

thankyou for your replys will creditors write to me or cccs?>

(I think carlos answered your question just under it )

Depends entirely on their moods!

When CCCS sent them the proposal for payment:
One rang me to accept the DMP and confirmed in writing.
One never replied to any letter at all I sent but later claimed to have told CCCS they had agreed the DMP for 6 months.
One wrote to accept.
One never wrote anything or told me anything - so I've no idea.

So it does seem to depend.

When I sent off token payments, they cashed them and never contacted me at all, except one who rang to ask for the rest of the minimum payment

rayday2

gonna be - Nice to hear you sounding so positive, be helpful to so many people who come in here and worry about thinking about DMPs. Nice to see you!