DMP Mutual Support Thread (Part 4)

andytwonames

lmw1977 wrote: »

HA...

finally caught up...well with this part of the thread anyhow!

Can someone point me in the right direction of what the NR saga is with CCCS or give me the potted history?

I'm literally on the verge of sending token payments (tomorrow am) with the accompanying CCCS letter first payment due to CCCS on 10th July.

The DMP is solely for the credit in my name with four creditors.

My wife and I have a joint mortgage with an unsecured loan attached: a Together mortgage.

From the parts I've read here it would appear that CCCS appear to want to force that onto the DMP; surely they can't if it's in joint names and this isn't anything to do with our joint accounts as this would obviously mean NR would pursue my wife for the money; ergo I'd end up paying it as she's stopping at home raising the kiddywinks.

When I filled in the forms for CCCS I just told them that I have to make a mortgage payment of £800 (approx; well they got the exact figure but I don't remember it off hand) - I didn't even think about it not being a standard mortgage?

hmmmm I think there's going to be some food for thought depending on the responses I get as I don't think I have the stamina right now to go for it alone (i.e. without a charity/company behind me; I know you guys/gals are here but I'm just not ready to do my own DMP yet).

If your name is on the NR loan, they are one of your creditors and CCCS will want it in there.

See post no 218 on this thread for an explanation.

You don't need to do a self managed DMP, just go to payplan.

rayday2

lmw1977 wrote: »

Fair point if bernie mentions it all outright I guess there's no quarrel to be had...but from all the docs etc. I've seen (which I'll freely admit is not many as I'm just starting out) they all seem to be saying you need to try to avoid extra credit...

having said that I guess it's not extra if you've told them about it up front...:D

honesty is the best policy after all!

Technically speaking it is not additional credit it is existing credit that you are not including.

I would tell CCCS that you need it for expenses in order to do your job - here is the biggie though - is that card related to any of the companies you are including in your DMP - because there could lie a problem!

archers_addict_2

how do you find out if cc companies are related? I have just started a dmp with cccs, so would like to join in this thread.
AA

Shazand

bernie_inn wrote: »

Hi all I have finally got round to setting up my DMP and am now awating the forms I have to sign and return. Its quite a relief. i have a couple of questions though. I have a credit card for work that I claim expenses for and have to pay back that month so it never accrues would I still be able to use this? And am I obliged to provide cccs with details of any extra money I get so it can instantly go on my DMP?

Oh i'll be here a while too there is a fair bit to pay off

Hi Bernie

Well done for dealing with your debts. :beer:

I have a company amex card that I use for expenses, the company then pay me through my salary and I pay the CC, like you all within the same month so I don't accrue interest. The CC it a company CC not my own personal one, therefore I think shouldn't count as your debt. To be on the safe side, mention it to CCCS but I don't think it would be a problem.

rayday2

archers_addict wrote: »

how do you find out if cc companies are related? I have just started a dmp with cccs, so would like to join in this thread.
AA

http://www.payplan.com/debt-library/miscellaneous.php

The above link is a list of related creditors although it is not the best, you may need to check your individual card to see who underwrites it that information should be on there websites.

I will add you to the list for this topic in a mo!

rayday2

rayday2 wrote: »

Not sure if this is wanted but will post just in case:

This is the third part of the support thread for anyone on a DMP
The original started by 95Kelly, and the second started by nearlyrich BG have got so big they are in danger of slowing the site down. I have copied the list of contributors from the thread and reproduced it below:

Members Numbers:

95 Kelly 1
teecee 2
Ex-spenaholic 3
Smilealot 4
Huntress 5
sea78 6
gemmzie 7
goldigger 8
IDAAS 9
Bloody HEll 10
Joek 11
Jumps 12
shearerbobs 13
Bluediamond 14
ashden 15
newgirl 16
lonely 17
emmy1 18
leixlip1 19
greengrocer 20
daisyblue 21
scared 22
njc12 23
franny 24
bessy 25
neith 26
rustybucket 27
kevster1009 28
fay66 29
valleys girl 30
totallyfedup 31
newlywed 32
brassicks 33
vpmamt 34
4maxine 35
looby75 36
nugsfarnham 37
yellowmonkey 38
amani 39
dlb 40
ticktock1973 41
auntie pie 42
pan 43
alfredsmum 44
llewelyn 45
vickaycon 46
Scottishmummy 47
wewillclearthis 48
Winkus 49
ilovegreatdanes 50
hopeful 51
mioliere52 52
charlie2301 53
readhead999 54
VivCk 55
dumb debtor 56
Cuba Cat 57
Lennymfo 58
Michelle73 59
welshjojo 60
craftingqueen 61
onamission 62
rayday2 63
sweety83 64
lonelytoo 65
Dreamer999 66
everclear1973 67
DrJekyll 68
ankleshaggers 69
lily-ella 70
bowz25 71
LoubieLou 72
itsalldrivingmemad 73
rainbowsapphire 74
cath 75
toasti 76
Heregoes! 77
lonely2 78
Pompeymark88 79
worrygirl 80
eripmav 81
xgingerx 82
Katchambers 83
Boltonbwfc 84
Coochycoo 85
Knotty29 86
itsnowtime 87
tinytot143 88
Jaks 89
Stillsmiling 90
MadDogWoman 91
Weezypoos 92
Weemac 93
Pinkkat8910 94
SortingIt 95
Archer85 96
JacksXXX 97
Sofa_bean 98
Surfer_Chicky 99
JillyOJolly 100
CharliesAngel 101
Chipbeck 102
Spendthrift66 103
BluePanther 104
Jodenice 105
Orpheus 106
donnacarteruk 107
mummytofour 108
debtman2007 109
debrag 110
cloudnine 111
moneydesperatex 112
Compulsivespender79 113
Limana68 114
Stargazeratdawn 115
KeelyJrs 116
TakeittotheLimit 117
Sallyx 118
Amyv 119
learnthehardway 120
monkey22 121
Janey51 122
tracytaxi 123
Bigdi 124
Sanshing 125
ald65 126
piptom&AndyPandy 127
CBI 128
tara66 129
barbie doll 130
afur 131
GlassHalfFull 132
timetobefree 133
Alex Fyfe 134
geoffmr1 135
tomandjerry 136
Gooner87 137
Sam89 138
telboy99 139
MUMMYMOO 140
Marru 141
Mogminnie 142
Debtfree2015 143
pinksparkle82 144
UKroseblue 145
Gingerish 146
Whoopiedoodle 147
mumzyof2 148
madrocks 149
Carlos700 150
Coolmum 151
Lovella 152
Kitty 153
Tinkerbell12 154
10past6 155
ailsajayne27 156
mazmc 157
ticklepenny 157
loopylu36 158
tickertyboo 159
maz1964 160
Shineyhead 161
Creditwreck 162
fedupandworried 163
lisabell 164
gonna be 165
Dski 166
Geddy 167
Skibadee 168
tass 169
Tigert 170
Silou 171
Reformed Shopaholic 172
hamsterpoo 173
milliejon 174
indebtstudent 175
rugby6ft8 176
Violet1 177
Andytwonames 178
Donedoingdebt 179
sunshine38 180
lostalot 181
Hollyb 182
Angeldiva 183
Piggsy 184
longforthesun 185
Wen3 186
moneysavingmumofone 187
Just Me 188
HollyB 189
Jvic28 190
Therelda 191
Itsnowtime 192
Angel Cake 193
MclarenGurl 194
So Sad Angel 195
Shazand 196
louietudor 197
tishywish 198
simbalou 199
spent too much money 200
lmw1977 201
GOLDGPR 202
katyw 203
kebabed 204
Mary Mungo + Midge 205
mummum2 206
Jackie710 207
kpwll 208
ben79 209
Griswold 210
Toffee Penny 211
Numpty Monkey 212
pinksparkle 213
Alpinestar 214
flounder1 215
Ikkle 87 216
archers addict 217

There you go welcome! :T

kpwll

Has anyone else received a private message from a ursulawhelan as follows:

How YOU Will Make $10K or More in ONE Weekend!
How YOU Will Make $10K or More in ONE Weekend!

Get it right now with FREE!

Just visit http://www.!!!!!!!!.com

Value: $495
Sales Page: http://www.!!!!!!!!!!!!!!!!!.com/

Don't reply me with PM, You can contact me with subscribe email.

Welcome to http://www.!!!!!!!!.com


Any advice as to what to do about this? I don't mean whether to answer or not but whether it should be reported or not.

lmw1977

andytwonames wrote: »

If your name is on the NR loan, they are one of your creditors and CCCS will want it in there.

See post no 218 on this thread for an explanation.

You don't need to do a self managed DMP, just go to payplan.

Thanks andy - seeing post 218 is what made me question it...CCCS haven't mentioned it yet...I was going to (since I saw your post) call them today to see what they say, then as you say I can either go with PP or _pale_ go self managed - I'm sure it's not that bad...I am so disorganised though I'm just not sure I'm ready for it, and it strikes me you just need to have "girded loins" to go the self managed route...I guess it could cure my complete disorganisation with regard to money I'd be watching every penny and every account I'd guess?

I'll have to have a read through some of the earlier posts to see how people fare on the self managed route.

Thanks again.

kpwll: personally I'd report it...it may completely innocent but it may be praying on members inconvenient money situations to get details to sell on...who knows?

sam89

kpwll wrote: »

Has anyone else received a private message from a ursulawhelan as follows:

How YOU Will Make $10K or More in ONE Weekend!
How YOU Will Make $10K or More in ONE Weekend!

Get it right now with FREE!

Just visit http://www.!!!!!!!!.com

Value: $495
Sales Page: http://www.!!!!!!!!!!!!!!!!!.com/

Don't reply me with PM, You can contact me with subscribe email.

Welcome to http://www.!!!!!!!!.com


Any advice as to what to do about this? I don't mean whether to answer or not but whether it should be reported or not.

I'd definitely report it! What a cheek using PMs like that :mad: .

andytwonames

lmw1977 wrote: »

Thanks andy - seeing post 218 is what made me question it...CCCS haven't mentioned it yet...I was going to (since I saw your post) call them today to see what they say, then as you say I can either go with PP or _pale_ go self managed - I'm sure it's not that bad...I am so disorganised though I'm just not sure I'm ready for it, and it strikes me you just need to have "girded loins" to go the self managed route...I guess it could cure my complete disorganisation with regard to money I'd be watching every penny and every account I'd guess?

There's nothing bad about going with payplan. For me it was really just laziness preventing me from wanting to go through the whole process again with another organisation.

I am organised enough and strong enough to deal with a DMP myself. I also have the resouces I need to make it easy to do during the day. Only go down the DIY route if you are sure you want to. If you have doubts, use payplan. It's what they are there for. Once you've been at it a while, perhaps you could take it over for yourself later if you really want to.