My Blog

sam89

Hi Jvic,

I haven't read your diary before but I've seen you give lots of lovely support to people on the DMP thread so thought I'd be nosey .

Firstly congratulations on your engagement :j .

Secondly I had quite a difficult time at the start of our DMP with GE Money (Debenhams Mastercard), it took them almost 5 months to accept in which time they added over £1000 :eek: in interest and charges. Once they accepted though they almost immediately passed it to CL Finance who have been no trouble at all. They sent a lovely letter saying that they would accept my payments, and add no interest or charges. They are the only DCA I've dealt with and, after reading some horror stories on here, I was pleasantly surprised.

Take care and enjoy the cinema :T ,
Sam,
x.

Jvic28

Thanks Sam,

I hope I can provide some help for people who are in the same situation as me. It's such a worrying time being in debt and I have found this site really useful.

GE Money haven't been the easiest to deal with but hopefully they've given me a bit of a break, even if it is only for a few months.

I hope everything gets a bit better for you. If there's anything you need help with you know where I am and I'll try my best. (and if I can't you know someone will be along shortly who can)

x

Jvic28

Jvic28 wrote: »

Recieved a free ticket to any film at Cineworld yesterday? Don't know how I ended up with that.

Woop Woop!

x

Well I found out where it came from and it was a competition I entered through this site. My first competition win! Strange they didn't put anything in the envelope other than the ticket, but Woopee! Maybe my luck will change and I'll now start winning stuff.

x

OliveOyl_2

YaY to the win.

Can you update us on the job situation? Did you take the new job - more money, more stress, more hours? (just being nosey)

Jvic28

I declined the job offer. I'm sure some people will think I'm being stupid given my current debts.

My current job

£16,000 pa. No overtime, no bonus and I work every other weekend.
37.5 hours

Job Offer

£18,000 pa. Up to £4500 bonus pa. work occassional Saturday mornings.
45hours plus rota'd Saturday mornings.

However, I have done that type of a job before and practically lived at work and went home stressed. The hours I'm doing now mean I can have a home life too. And as my boyfriend moved 200 miles to be with me and just proposed and we're TTC, I think I made the right decision (I hope).



x

Jvic28

HHH wrote: »

yes they are usually scare tactics. when i first had those types of letters and phone calls they really worried me but through this site i have learned a lot more about what they really can and cant do so im no longer worried. CL finance seem to have accepted my payment with no problem. often the DCAs are much easier to deal with.

Well they've finally accepted my payments of £5 for a period of 3-6 months and haven't passed me to a DCA. They probably will in 3 months I know but it's a start.

x

Jvic28

Jvic28 wrote: »

The advisor said that my payments are Ok as they are not charging my line rental at the moment. I didn't expect them to reconnect me, I just wanted them to be aware of the situation, however the next day they disconnected me completely (now people can't get in touch with me) Gutted!

x

Well, I wrote to Orange as they have charged me even though I'm meant to be on a free tariff (I'm disconnected) . Sort of backfired though as they've now taken me off the free tarriff and put me back on Dolphin35. The letter they sent me also said I owed them more than I did at my last count so looks as though they've already charged me another months worth of line rental.:mad:

Jvic28

Jvic28 wrote: »

Well they've finally accepted my payments of £5 for a period of 3-6 months and haven't passed me to a DCA. They probably will in 3 months I know but it's a start.

x

I had my 1st statement since they agreed and what d'ya know there is interest on there. Yet another letter to be written. Grrr!:mad:

Jvic28

Jvic28 wrote: »

Well, I wrote to Orange as they have charged me even though I'm meant to be on a free tariff (I'm disconnected) . Sort of backfired though as they've now taken me off the free tarriff and put me back on Dolphin35. The letter they sent me also said I owed them more than I did at my last count so looks as though they've already charged me another months worth of line rental.:mad:

Even though the letter stated that they were putting me back on Dolphin35 I have had a statement since with just £7.83 worth of charges on there. Not complaining as such but I would like to know what they are for. 2nd Letter. Grumble Grumble.:mad:

Jvic28

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1060
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1060

Monthly Expense Details
Mortgage................................ 487.62
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 50
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 80
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 56
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 13
Pet insurance/vet bills................. 0
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 80
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 844.62

Assets
Cash.................................... 0
House value (Gross)..................... 83250
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 83250

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 79204....(487.62)...7.45
Total secured debts........... 79204.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
CCCS...........................10083.4...103.......0
Dads Capital One...............1825.86...54.78.....34.27
Total unsecured debts..........11909.26..157.78....-

Monthly Budget Summary
Total monthly income.................... 1,060
Expenses (including secured debts)....... 844.62
Available for debt repayments........... 215.38
Monthly UNsecured debt repayments....... 157.78
Surplus(deficit if negative)............ 57.6

Personal Balance Sheet Summary
Total assets (things you own)........... 83,250
Total Secured debt...................... -79,204
Total Unsecured debt.................... -11,909.26
Net Assets.............................. -7,863.26

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.