DMP Mutual Support Thread (Part Three)

Marru

When opening your bank account don't forget to check the cashback sites. For example Quidco. I eternally will regret that I missed on £50.- because when I opened my account I didn't have a clue about cashback sites.

Summer1969

Thanks so much everyone. Just went for a little walk in the lovely sunshine to clear my head, its been so muddled up last few days!

Re Quidco, I am on Firefox, how do I make sure that my cookies are cleared.

CCCS advised opening 2 Bank Accounts, one for salaries to go in and for the debts and DMP and another for any spare money, so we know exactly what we have each month left, that sounds like a very good idea.

The A&L looks a good one, though have to make sure its not tied to any of my creditors. I was told to cancel my DDs to my loans and CCs and then next payment, just send them a token payment. That scares me as I have never missed a payment but she said I have to do that, then when I get a letter or phonecall from them asking why, I then tell them I am in the process of doing a DMP and that they need to be in contact with them to find out how much a month they will be receiving. Nervous but I know I need to do it.

Thanks again everyone, it means a lot.

newlywed

Summer - I was nearly wetting myself worrying about phone calls (don't like the phone anyway ). I got one phone call to say I'd missed payment, when I told them about the DMP with CCCS they said ok, we'll wait for them to contact us - then no word from them at all. One other company rang me and that was GE who kept ringing but were still fine - turned out they should have flagged the system not to ring me for X days until CCCS contacted, so when they did that it all went nice and quiet. The phone calls weren't even a quarter as bad as I was dreading

Next phone call was from another creditor saying they accepted - they are the nice phone calls that make you smile

newlywed

Firefox - do Tools, Clear Private Data. Then when the tick boxes come up, untick saved passwords (and everything else if you prefer) and just tick cookies.

Summer1969

Thank you, again!

Does anyone know what Bank accounts I could look into that are not tied to these creditors? Or perhaps I should do a thread in the Bank Account bit of the Board?

Northern Rock, Morgan Stanley, Halifax, Abbey, NatWest and M&S.

yellowmonkey

Hi summer

Glad to see you have popped in and taken the plunge

Refer back to rays post regarding linked companies.

As for the Quidco Etc I use firefox and i clean my cookies with CCleaner download here
http://www.ccleaner.com/

Also try here http://forums.moneysavingexpert.com/showthread.html?t=609037. Send Eager learner a Pm and she will send a guide that is invaluble for daily clicks. I have £32 in the bank just by doing them so far.

The biggy. Come and join us here http://forums.moneysavingexpert.com/showthread.html?t=445572 and try to give up the evil weed.

Good luck and welcome to the gang

Speak soon

ym

Summer1969

yellowmonkey wrote: »

As for the Quidco Etc I use firefox and i clean my cookies with CCleaner download here
http://www.ccleaner.com/

Also try here http://forums.moneysavingexpert.com/showthread.html?t=609037. Send Eager learner a Pm and she will send a guide that is invaluble for daily clicks. I have £32 in the bank just by doing them so far.

Just downloaded CC, clicked on Run Cleaner and it says that it will permanently delete these files, is that ok? And how often do I need to run it to clear the cookies?

I have sent Eager a PM, thanks very much.

yellowmonkey

Hi

Yes it is ok to click as these will be permantly deleted but that is not a problem.
I generally run it before I start clicking and then when I have finished with Say Quidco i close it down and then run CC before I go to the next site.

Hope everyone is doing OK and I hope you all have a great day

Ta Ta

ym

Jvic28

Summer1969 wrote: »

I have a question, well just one at the mo. We need to open up another bank account, not related to our creditors, I know there is a sticky about bank accounts but wondered what accounts you DMPers recommend. Our creditors are Northern Rock, Morgan Stanley, Halifax, Abbey, NatWest and M&S so can't be tied to any of them.

I had trouble opening a bank account as was declined for a few but just received my card for Co-Op. Make sure you ask for a basic bank account no matter where you go to ensure you can open another account.

x

Summer1969

Jvic28 wrote: »

I had trouble opening a bank account as was declined for a few but just received my card for Co-Op. Make sure you ask for a basic bank account no matter where you go to ensure you can open another account.

x

I was looking at Lloyd Classic - but I assume that is not a basic account? What is the difference? Thanks again.