DMP Mutual Support Thread (Part 4)

lmw1977

andytwonames wrote: »

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.

!!!!!!y...!!!!!!y...ball-cocks I knew it was going too well. I've just got off the phone with CCCS and they do need to put the unsecured part on to the plan otherwise I'm giving NR preferential treatment...I can see their point...but...ho hum - onward and upward and all of that.

Don't worry andy I know there's nothing wrong with PP...the only reason I went with CCCS is because they offer a online initial service...but I'm getting ok at fessing up to having a problem...so going through with payplan wouldn't be a hardship. I am quite a lazy fella so I think I may have to go with PP.

There's a couple of things stopping me going self managed right now:-

I'm not normally around in the day
I'm not ready for 'em; I have to build up the reserves - hopefully you know what I mean.

I think for me it'll have to be - doing the budget again with PP for now...possibly switching over when I'm not feeling so... C*** (Not the best)

Thanks for the friendly words of advice (in a non-legally binding person-to-person advice sort of a way )

Alpinestar_2

lmw1977 wrote: »

!!!!!!y...!!!!!!y...ball-cocks I knew it was going too well. I've just got off the phone with CCCS and they do need to put the unsecured part on to the plan otherwise I'm giving NR preferential treatment...I can see their point...but...ho hum - onward and upward and all of that.

Don't worry andy I know there's nothing wrong with PP...the only reason I went with CCCS is because they offer a online initial service...but I'm getting ok at fessing up to having a problem...so going through with payplan wouldn't be a hardship. I am quite a lazy fella so I think I may have to go with PP.

There's a couple of things stopping me going self managed right now:-

I'm not normally around in the day
I'm not ready for 'em; I have to build up the reserves - hopefully you know what I mean.

I think for me it'll have to be - doing the budget again with PP for now...possibly switching over when I'm not feeling so... C*** (Not the best)

Thanks for the friendly words of advice (in a non-legally binding person-to-person advice sort of a way )

Hi lmw1977

I'm in exactly the same situation as you. Got a NR Together and am now getting started with PP. I've canceled most of my direct debts this weekend. The payment should be going out today, it sure feels strange at the moment. I have asked PP for the token letter template to send token payments, however still have not received one !!!

andytwonames

Alpinestar wrote: »

Hi lmw1977

I'm in exactly the same situation as you. Got a NR Together and am now getting started with PP. I've canceled most of my direct debts this weekend. The payment should be going out today, it sure feels strange at the moment. I have asked PP for the token letter template to send token payments, however still have not received one !!!

Use this if you like


Dear Sirs,

Re:- Account xxxxxx

We are writing to inform you that we are seeking advice and assistance regarding our current financial difficulties. To this end, we are in the process of setting up a Debt Management Plan with the Payplan and our client reference number with them is xxxxx.

We would appreciate if you could hold any action on the above account for a period of at least 28 days. In the meantime as a gesture of goodwill we have enclosed a token payment of £1. Postal Order number xxxxxxx

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

We do not wish to deal with this matter by telephone and respectfully request that all communications are made in writing. We look forward to hearing from you as soon as possible.

This letter was sent by recorded delivery xxxxxx

Yours faithfully

kpwll

This is what I sent
Address
Date

Account Number:- =



Please find enclosed a token payment of £1.00. Postal Order number: XXXXXXXX. I find myself in financial difficulties and I am currently going through Payplan. My ID number is :- XXXXXXXX.
Please contact Payplan directly regarding this account.



Yours truly,



Mrs XXXX XXXXXX

I didn't actually sign this though.

kpwll

Andytwonames letter is better than mine.

Alpinestar_2

Thanks both of you.

Have a cold refreshing :beer: on me. I'll join you after work !!!!

andytwonames

kpwll wrote: »

Andytwonames letter is better than mine.

They both do the same job. I didn't sign mine either

lmw1977

Alpinestar wrote: »

Hi lmw1977

I'm in exactly the same situation as you. Got a NR Together and am now getting started with PP. I've canceled most of my direct debts this weekend. The payment should be going out today, it sure feels strange at the moment. I have asked PP for the token letter template to send token payments, however still have not received one !!!

Well there are two perfectly decent examples; you gotta love this place haven't you!!! I'll guess I'll poach one of them when I get the ref number etc.

when initially dealing with PP did you mention the together mortgage up front?

When I was dealing with CCCS I just said it was a mortgage payment because that's just what it feels like: we've been paying it for approx 4yrs now. I never gave it a second thought. I'm wondering if this is the reason it's come back to bite me; as I've said before...honesty policy and all that...

clairet1961

Hi to you all, i'm new around here!
a bit about my debt status!
Have been in dmp with eurodebt for past 4 years but found them unhelpful, late paying people and charging me every month, so have just switched to payplan...first payment due 01.08.08
current debt is £47,543, and dmp should be paid in around 23 years...seems so long, but hey same as mortgage after all.
as all the debt was in my name (coerced by previous partner who kindly spent most of it) they did not take my partner's wages into account, i just reduced my bills to 'my contribution', and payplan insisted i add amounts for hairdresser (like i can remember when i went to one last!) onto monthly expenditure so less disposable income, which in fact will make me better off then when paying eurodebt!

clairet1961

at_my_wittsend wrote: »

Thanks all.

I just rang CCCS and the lady there seemed to think Nationwide was on their list. She is kindly sending me a list in the post as one never came to me initially.

I have everything crossed that they accept me as will be !!!!!!ed if they don't. Helps me massively.

hi, i had the same problem, and have gone with halifax, who only wanted a utility bill and passport, no credit check for basic account:j