DMP Mutual Support Thread (Part 4)

maz1964

catwoman150 wrote: »

Hi all
I have a couple of questions. I have started on a DMP (1st Oct) myself with the help of the CCCS. I have recieved all the paperwork from them and sent them off to my creditors with a pro rota payment attached. They are MBNA, Citi egg and halifax. all credit cards. I have had a letter from MBNA who have asked me to ring them, so I did and they will not look at my account until they have my OH's income. I have spoken to CCCS about this and they have said stick to your guns and you don't have to give them that info. I rang MBNA again and I explained this to them. They are still not listening to me that I do not want to include my OH's income on the form. Can anyone suggest what I can do next. I have also recieved a letter from the Halifax saying to ring them as well. Will this happen with the Halifax as I don't really want to ring them I would rather write to them. could anyone point me in the right direction of what kind of letter I can send them.

Cheers

hiya catwoman

and welcome

couldnt ignore your post neither, sorry will get to bed soon lol

dont call mbna, they are my worst creditor and nightmare, they will try all sorts,,,,stick to what you are being told,,,,is this dmp for you only and your debts> or is it a joint debt for both of you by the way?

mine is my sole debts and my income only and i pro rate each debt with my income only, thats why i ask

anyway i have sent a letter only in writing if i can locate it tomorrow will send it to you

dont worry we are here to help

off to bed or wont get up in a few hours

good nite to all and see you laters and over the weekend

ciao maz:beer:

eveie189

Can I have a number pleas?????

Jvic28

uptomyeyes1984 wrote: »

i have heard that natwest are not very nice during the DMP.

Hi,

I've got a loan and overdraft with Natwest and made my 1st payment to CCCS on 1st June. I haven't heard a thing of Natwest, not a sausage, no letters or phone calls. I called them to get balances (as I was online only and they blocked my access) and the balances weren't as high as I was expecting. They don't seem to be charging the extortionate charges they were. In fact my overall balance with them, has now gone down by £132.82. I know, it's very wierd as I was expecting them to be awful. I'm sure it won't last.

rayday2

eveie189 wrote: »

Can I have a number pleas?????

I have added a couple more so here is the last few on the list:

JES_F1 240
Nicki-Sue 241
TotallyBrassic 242
ianmak 243
skintandscared 244
poohbearmufc 245
eveie189 246

Big official welcome to all :T

rayday2

sarriep wrote: »

Hey Rayday how did OFSTED go? I too know the fear......:eek:

Thank you and to Maz too.

OFSTED went fine but I am not impressed with the inspector he did not seem bothered not that he would have found stuff if he had. But its insulting that he did not seem to care. He came in his words having read the paper work assuming we would be in special measures or notice to improve. Which seems unprofessional not coming with a neutral opinion. Anyway he had to change his mind and we are satisfactory with a few goods which is all we can expect as the setting of the school is in a "poor" area so not a school able to get the results for leaguetables if you get me.

Family (maz) are doing well so nice to spend every evening with them worth the financial risk even if it is pretty scarey! I am so much more at peace and tired through work but not drained and I never realised there was a difference between the two.

I was a bit worried when I came back to the board and people are talking about companies securing debt on the houses etc but then I thought why worry it won't change what they do and even if they do secure debt they can't take my house off me and house values are falling so its a pointless exercise!

Either that or I am being far too casual about it!

sam89

Rayday,

Nice to hear things are settling again for you.

I know exactly what you mean about the house. This time last year we probably had about £40-45K equity and I was worried about being forced to sell. Now we would only have about £15k. It's the same house, we're still happy living here, but it's no longer worth our creditors going after it.

Ever cloud has a silver lining .

Love,
Sam,
x.

debtmuncher

hi folks! hope all is well as can be expected?

wondering if i can join you all

rayday2

Yep! I have no interest in the value of my home because to me its priceless and to my creditors its worthless rofl!

rayday2

debtmuncher wrote: »

hi folks! hope all is well as can be expected?

wondering if i can join you all

Hi I added you to the list on page 2 you are officially number 247.

Welcome :T and I hope things are going Ok for you.

debtmuncher

rayday2 wrote: »

Hi I added you to the list on page 2 you are officially number 247.

Welcome :T and I hope things are going Ok for you.

thankyou!!!

so and so at the mo.....we were meant to have made our first payment of 679 pds on wed but unfortunately the bank withheld our funds. popped in yesterday to get 680 pds out for living expenses.

hubby thinks the money should go to cccs and he will get some money from his sister to tide us over till end of month. i am so totally not happy with that because its the completely wrong path to go down. flipping furious cos the whole point of this was to wake up and do things properly. him just going "oh its ok we can borrow from my sister" is the wrong thing and he certainly doesnt seem to understand that borrowing is what got us in this mess.:mad: