Just started DMP, seem to be getting deeper in debt??

thepinkladez_2

hiya i dont really have any advice for you about your dmp but just wanted to send my support! i too have just contacted cccs and am about to embark on a dmp too. also wanted to say claiming back your charges is a fairly easy process, i took on hsbc and won back a large amount of charges which i used as a f&f settlement on one debt of theirs!best of luck with everything

moneydesperate_x

thepinkladez wrote: »

hiya i dont really have any advice for you about your dmp but just wanted to send my support! i too have just contacted cccs and am about to embark on a dmp too. also wanted to say claiming back your charges is a fairly easy process, i took on hsbc and won back a large amount of charges which i used as a f&f settlement on one debt of theirs!best of luck with everything

Hi

Thank you for your post, its good to hear others who have successfully managed to get money back. I must admit I was told about claiming them back a while ago but I was so upset with the amount of debt I owed I didnt think claiming back charges would help.
Having thought about it, I should get about £3,000 back over 6 years so I am definately going to do it. The link I was sent earlier today gives me a step by step process so i am going to give it a go.

Thanks again for your support

Gemmzie

moneydesperate_x wrote: »

Thanks for your post.
What happens about F&F payments? As i dont have any money and cant get any credit I cant really pay any large sums to any creditors. Unless of course I claim back the charges, but Lloyds can be nasty about these Ive heard?

From bank charges, most DMPs let you build in some sort of emergency savings for repairs in household etc - you could use that if nothing goes wrong. And most importantly.....using this very clever website to generate extra income