Gutted, Grumpy and need an ear

angeldiva

Gemmzie wrote: »

Payplan are right, if you are now paying the minimum then there's nothing they can do as you're now back under your creditor's contract. So they are allowed to stick their interest/charges back on as you agreed to them.

It's why I'm always skeptical of increasing DMP payments too much.

Yeah I guess you are right....how annoying, does this mean that becuase all my creditors are now getting paid more than the minimum I no longer need to be on a DMP?

dhassen

angels960 wrote: »

Yeah I guess you are right....how annoying, does this mean that becuase all my creditors are now getting paid more than the minimum I no longer need to be on a DMP?

I dunno but it sounds like it.......

RAS

angels960 wrote: »

Yeah I guess you are right....how annoying, does this mean that becuase all my creditors are now getting paid more than the minimum I no longer need to be on a DMP?

PLEASe ring the NDL or CCCS before you do anything. Unless you have enough money in your normal bubget to pay all the creditors the full whack with interest you need some sort of arrangment, so do not terminate your DMP.

angeldiva

RAS wrote: »

PLEASe ring the NDL or CCCS before you do anything. Unless you have enough money in your normal bubget to pay all the creditors the full whack with interest you need some sort of arrangment, so do not terminate your DMP.

Thank you RAS, Yes I was thinking about that if they all put thier interest back my debt free date will never arrive and no, I dont have enough money in the budget to cope with that. I wouldnt terminate the DMP.

Its sad though I felt I finally found a balance between paying debts and living some sort of life. Lets hope they are all as stupid and slow as there were in the start and take ages to realise they are getting more.

nimbo

good luck sweetie.

call CCCS ASAP as they sometimes get busy and you may have to wait for an appointment with them...

angeldiva

nimbo wrote: »

good luck sweetie....

Thank you, I love the care in this forum...its such a good place to be.

Gemmzie

angels960 wrote: »

Yeah I guess you are right....how annoying, does this mean that becuase all my creditors are now getting paid more than the minimum I no longer need to be on a DMP?

Afraid so, it means you need to tackle it yourself, it's ridiculous but it's the general policy

Definitely agree with contacting the CCCS too and re-jig your budget, if that means making a couple of amounts a bit higher or increasing your emergency fund a little then that's probably the best way