Dmp - Cccs

lucybabs

Hi all,

I'm a newbie to these boards.. found them after getting myself in a state and looking for info online! Long story, but my income was cut quite dramatically last year and I have been topping up my income with credit and burying my head in the sand.

My outgoings are more than my income. I spoke to the CCCS who have devised me a DMP which I am waiting for in the post- but I just wanted to ask other people on here with DMPs what I can expect to happen next? I know my credit rating will be completely wrecked going forward - which is fair enough to be honest. The lady at the CCCS told me I could still probably get a mortgage going forward if I went through a broker - has anyone got any experience of this? It wont be for a few years as can't afford it - but I'm thining long term. We have a mortgage at the mo which my OH HEAVILY subsidises so I can try to pay back as much as I can to my creditors.

Could I lose my house? And am I likely to get taken to court by my creditors or have bailiffs knocking on the door?

Sorry for all the questions - I just feel like a prize idiot for getting in such a mess and just want to know how bad this will get so I can get my head round it all!

Any advice or words or wisdom very gratefully received!

Thanks xx

yellowmonkey

Hi

Well done on sorting your finances out. Have really got to nip out. Try this link and there is heaps of advice from like minded people

http://forums.moneysavingexpert.com/showthread.html?t=729285

Ta Ta

ym