DMP Mutual Support Thread (Part 4)

maz1964

Hello evening to all

rayday - hope you get to feel well soon, sorry about your foot, cant be fun

ive read more posts along the way since i last posted and we are definately growing in numbers and good advice

anyway im tackling the credit card charges, and collecting all my saved paperwork and statements and getting them in some order, so thats my next point of attack

have a fun day tomorrow and catch up soon Ciao MAZ

Ex-Spendaholic

Good luck with that Maz. It is your money and you will get it back. Just keep at it.

rayday2

Gemmzie wrote: »

Age Concern have advocacy in most areas, they'll know. I think you might mean pension credit?

It was some kind of widows pension or something that if you didn't claim in the first year you couldn't claim ever - I hope they changed it because it was a pretty vicious rule. My MIL was about 57 at the time so she was stuffed until she reached pension age herself. In the first year she had more money from his personal pension hence she didn't overly look into benefits that and she took advice from a widow who had been made a widow two years before and that was before the new pension or something.

Ex-Spendaholic

Morning

I've been having a look online to see if I can find out about the widows pension. It seems you needed to be bereaved before some date in 2001 to be entitled to it. It seems to have been replaced by the Bereavement Allowance.

Janey it would be worth posting on the Benefits section on here. Someone over there should know something about all of this.

rayday2

That is sounding familiar MIL was bereaved in 2002.

very_silly_and_scared

good morning everyone and hope you had a good weekend

I promise I will settle down a bit and stop panicking, but I still feel very up in the air and out of control and very worried at the moment.

I have the CCCS paperwork and also all the information to go it alone and am definitely going the DMP route. BUT I am still waiting to hear about my 'alternative' bank account as they needed me to send them id. My DDs are due out next week as payday is on wed but I don't want to cancel them as I don't want to alert my bank that something is wrong. PLEASE help!

Any advice gratefully received! Felt like I had given myself enough time to get all this sorted and now am feeling panicked to point where I can't think sensibly...

rayday2

Are all your debts connected with your bank? The compromise would be cancelling the direct debits that are not directly connected for example if I had a Lloyds bank account, I would pay the Lloyds loan but cancel all the others.

Ossireo

((((((((( VS&S)))))))

Which DDs are we talking about here? Are they for debts with the bank your wages get paid in to or for another company?

very_silly_and_scared

Thanks for that

I just have an overdraft with the bank. None of the others are connected. I was just worried that the bank would realise something was going on and keep my wages- especially if they are getting token amount cheques from my creditors

GhostHunter_3

Hi

BIG HUGZ to VS&S its quite allright to feel out of control and worried and up in the air. Thats what us lot are here for to keep you grounded, be friendly and offer what support we can. I wish you well and if I can help I will, just ask or pm me - and that goes for everyone else as well!




Ok today I am trying to open a new bank account so I can start my DMP once I get the stuff from National Debtline.

I am also sending off letters to reclaim bank charges.

I am a little concerned however the banks are going to cotton onto what I am doing as my savings are with Nationwide and I have a credit card debt with nationwide and have just cancelled all my non priority Direct Debits on my account with them.

I have almost £700 in a savings account with Nationwide can I draw that all out in 1 go in cash today?

I also have money in Barclays account which I want to draw out, do I do that today also or wait (thinking they may see what I am doing and think its fishy me taking so much money from all my accounts on 1 day in 1 go).

Do I wait until new account is active? Am I better off keeping the 'savings' at home as cash or in a 'savings account'? Worried companies I owe debts to will still be able to find out what I have in savings accounts if its at home in cash I have 'nothing' :cool:

In total my savings amount to just under £2,000 and I am wondering if it may be wiser to use this to pay off a few of the smaller sums I have outstanding either on stuff I bought from Currys or on credit cards that they payment plans would usually come to an end within the next year or so. Rather than adding them to a DMP and dragging out the debts? Once the amount is cleared its 1 less DMP and 1 more amount I can save on???

Maybe I am wrong and its best to keep hold of the money, its taken me a long time to save it and I am quite reluctant to spend it but if its wiser to clear debts than keep it for a rainy day or as something to fall back on in near future then some persuasion could change my mind. The interest its earning compared to the interest of debt it might clear doesnt bother me its 'wasting' £2,000 that does if you see my view?

Thanks