DMP Mutual Support Thread (Part 4)

Gemmzie

All is very quite on our DMP, just waiting for the six months to be up with Halifax for a pass over and then a re-budget in August. Think we are gonna have to drop the payments though

rayday2

angeldiva wrote: »

Hey RayDay im number - 183 but I changed my username, please could you update me???

Tis done!

I am doing all my editing on page 2 because its easier for me to remember where the list is - I am old

rayday2

Gemmzie wrote: »

All is very quite on our DMP, just waiting for the six months to be up with Halifax for a pass over and then a re-budget in August. Think we are gonna have to drop the payments though

I doubt companies will be suprised this is hard times for us all and the whole point of a DMP is to have the money to live on. With the interest stopped that my sort of count each other out - touch wood for you!

Numpty_Monkey

yellowmonkey wrote: »

Always nice to see a fellow monkey on here

Hi and welcome Numpty :hello:

Morning all

ym

thanks from another monkey:T

Ok this is an example of the numptyness i can achieve without trying:o
Goingout to open a new bank account, got down there and realised i had no id,

so on the bus home it dawned on me :rolleyes: what about the A&L account on Quidco???

do you think i should try?

newlywed

Numpty_Monkey wrote: »

Goingout to open a new bank account, got down there and realised i had no id,

so on the bus home it dawned on me :rolleyes: what about the A&L account on Quidco???

I opened my A&L account online (but forgot quidco ) but they didn't even ask for any id. They did say they might request that I post them some, but they verified me from the electoral roll, credit search and current bank account details I gave them (I assume ).

Just make sure you request "no overdraft"!!! When you sign up to your dmp you say that you won't take on any extra credit

rayday2

Other thing to make sure is that A&L is not related to any of your creditors. I opened mine through Quidco it is my shopping account, I have a complex set up of bank accounts!

Numpty_Monkey

Thanks newlywed and rayday
hope i get it, its gonna be my main account

flounder1

Hi all
I'm new and have just paid my first amount to the cccs with most creditors accepting the payment.
One question i have though; my mortgage is fixed for a couple more years. In a couple of years when the market picks up and i want to move and change mortgage company would i be able to and how does it work with the cccs?

Thank you all in advance for help given, hekp offered and can i join the family?!

Thanks

rayday2

Not sure how it works with the CCCS but if you were negotiating smaller payments then you would inform them that there was more in the pot to go around.

I shall add you to the list in a mo!

I remortgaged a couple of months ago I was with a sub prime lender before but am now with a mainstream high street lender, so the interest rate is not as bad but not as good as someone with a perfect history. They did say that when my two year deal comes to an end if I have never been late paying or missed one then they will ignore what my credit history says and take me on as a mainstream customer.

Edited to say added you in the list number 215!

flounder1

Thanks for that.
One more question, any suggestions of the best pre-paid credit card?
thnaks