DMP Mutual Support Thread (Part 4)

tishywish

Am I the only one with a NR Together mortgage that Payplan have included in the DMP then? So far I haven't heard from NR but should I be speaking to Payplan again to tell them it's the Together mortgage and not a separate unsecured loan? I'm having some hassle from one creditor already and don't need another one.

I wrote to Bank of Scotland's DCA on Monday, recorded delivery, and had another letter from them today saying that despite their efforts (one letter!) to contact me, they still haven't heard from me and it is important that I phone them now. Of course I'm not going to phone them so they can bully me but should I write to them again? It has annoyed me that I haven't heard anything from them at all for nearly 3 months and now suddenly they are implying I have made no effort to contact them - I wrote to them the day I got their last letter and Payplan have sent two payments to them already.

newlywed

wen3 wrote: »

First question what does a default mean? Do they do this before they accept the DMP? Sorry if being thick just getting concerned and worried:)

It's a black mark on your credit rating that stays there for 6 years from the date of default (so the earlier you get them the better ).

Mint does seem to issue defaults and then they stop interest and charges My mint card hasn't been referred on and was defaulted several months ago.

wen3

newlywed - thanks for that:) am I right thinking that mint are part of RBS?

newlywed

wen3 wrote: »

newlywed - thanks for that:) am I right thinking that mint are part of RBS?

Yeah. But don't get this confused with HBOS (Halifax Bank of Scotland) who are different and often referred to as Hellifax

kpwll

Feeling very low at the moment, I have had to change all the direct debits that are coming out of joint account (account needs to be closed) and put them into my husband's new account (not joint). He has never dealt with any of the money side and of course he is having to speak to people to give them permission to speak to me. This has gone down like a ton of bricks and he lost his temper with me again for putting us in this position and getting myself into so much debt (none in his name). I'm not blaming him for how he feels or for telling me how angry he is with me, he has told me that we will get through this but this won't be the last time that he gets angry with me about it. I know it's going to take a very long time and it's early days for both of us. He's gone to work now and I'm on my own. I am doing my level best to keep all the hassle from him, but I guess I needed your collective shoulders to have a cry on this afternoon. Sorry for the ramble, I just needed someone who understood to talk to. Thanks x

rayday2

I feel for you, and I guess its a case of we always take things out on those we are closest to but its always little compensation knowing that.

Everyone is here for you so have a ramble away you are more than welcome.

I am in the "bad books" too so we can be in bad books together! Mine is because I said I had not rung the petrol station up about that job. When he asked why I told him I didn't think it would work with him coping with the girls in the morning and never got chance to say the rest he just went off on one about being a scape goat - oh well if the cap fits and all that

andytwonames

kpwll wrote: »

Feeling very low at the moment, I have had to change all the direct debits that are coming out of joint account (account needs to be closed) and put them into my husband's new account (not joint). He has never dealt with any of the money side and of course he is having to speak to people to give them permission to speak to me. This has gone down like a ton of bricks and he lost his temper with me again for putting us in this position and getting myself into so much debt (none in his name). I'm not blaming him for how he feels or for telling me how angry he is with me, he has told me that we will get through this but this won't be the last time that he gets angry with me about it. I know it's going to take a very long time and it's early days for both of us. He's gone to work now and I'm on my own. I am doing my level best to keep all the hassle from him, but I guess I needed your collective shoulders to have a cry on this afternoon. Sorry for the ramble, I just needed someone who understood to talk to. Thanks x

I'm sure that if you could, you would turn the clocks back and not spend the way you did. Me too.

He has to remember that you are where you are. Maybe ask him how many times he wants to tell you off for the same thing and how many more times he wants you to apologise.

You shouldn't have to deal with it on your own (for better or worse, for richer or poorer...etc). You've had better (and will again) and you have been richer (and will be again) so he'll just have to put up with it for now.

andytwonames

rayday2 wrote: »

oh well if the cap fits and all that

What? If the cap fits you'll not have so many kids? Is that the saying?:rotfl:

rayday2

Darn I went by the telly advice for family planning and it was a coin slot one

andytwonames

rayday2 wrote: »

Darn I went by the telly advice for family planning and it was a coin slot one

A coin slot telly? My nan had one of those.