DMP Mutual Support Thread (Part 4)

Toffee_Penny

Evening all! :beer:

Southern Softie I wish you all the very best and hope you stick around on this site, it has a fantastic support network and you will realise you are not alone. Big hugs xxx

Jvic28 - WOW!! you have obviously being staying in as much as possible to beat the credit crunch :rotfl: congratulations on the little one and it's your first too! (All the mums on here will be thinking 'aahhhh'! and then wishing you luck with the sleepness nights, baby stuff taking over your house and the sickly smell of poo and nappy sacks in your wheelie bin!) Wish you the very best! Remember to eat as much as you can, after having the baby you can then join the rest of us mum's and forever blame him or her for that saggy belly look you never get rid of!


Hope everyone is doing ok? I sent a letter of today to Capital One, despite me asking way back in June to cancel ppi, they are still charging me for it! :mad: Ooooooh I feel like Rocky I really do!!

They even wrote to me to say CCCS have written to them saying they are no longer acting on my behalf!! CAN YOU BELIEVE THAT???? I called CCCS staright away and the lady said we have sent no such letter!! I am bloody fuming and have sent my letter recorded delivery. I have told them I want evidence of this otherwise I am going to the Financial Ombudsman to complain for not cancelling my ppi despite me paying reduced amounts if they don't refund the charges since June and telling lies. Idiots! :mad:

Can't wait to get the replies back from my ppi reclaiming letters for OH because he is self employed. We just feel so damn stupid that we have paid into something he might never have been able to claim on. How could we have missed the small print? Mind you it's only through this site and research on the net that I found out there could be a possibility to claim it back as PPI is such a rip off, although he's been paying for it years I doubt we have much of a case but we have to try. I'm desperate to claw anything back to get that total debt down.

I have a few days left at work and then I will break up for holiday for two weeks, I have put my tree up and discovered half of my lights don't work but hey ho looking forward to having a debt free christmas. I haven't been able to buy sackfuls of stuff like I used to but half the time I think you overspend and overbuy at christmas because you worry you don't enough. Not this time! What the kids have they have and will be a happier-debt -free-not-worrying-about-January-coming-to-pay -for-it -all -christmas in our house!

Take care all of you xxx

Kudox

Hi Toffee,
Good to here you're doing ok and still fighting your corner regarding PPI.

Things with me are a bit hit and miss at the moment, everything was very quiet but it feels like someones rattled the cage of some of my creditors, I've had a couple of letters in last few days of the "phone us now or else" variety, and this from those who have already accepted the DMP.
Oh well will have to put pen to paper again I guess, but it's made me feel a bit unsettled and worried again.:mad:

Take care all and have a good debt free christmas.

Toffee_Penny

Yeah we have had the same Kudox. We had to lower our DMP payments to all so could be just trying to scare you into paying more. MBNA even said they would NOT be able to accept our reduced offer of payment. Oh ok then! I'll add a few hundred more then eh? :rolleyes:

Capital One actually sent me a budget sheet to complete and wnated my last three bank statements and a copy of my latest wage slip. I don't care whether they threaten me with a ccj, I just don't think they are entitled to that kind of info. I called CCCS and I told the woman if I let them have a copy of my wage slip then they will know where I work and I'll be damned if I am getting phonecalls from creditors at work. I'd die of shame! :eek:

I think it depends how you deal with your creditors by what letters they send you. I know for a fact they are peeved with us because I changed the phone number so they have no way of contacting us (thank god!) except by letter and so the letters telling me to call immediately to discuss my account, er why?? are you going to write my debt off? NO! well sod ya then! . I'd prefer to keep it by letter so I have prove of everything.

Without this site I would have folded under the pressure and strain of dealing with creditors on the phone. The bull that people have reported them saying to them is wrong. I just didn't want to be put in that situation I'd have worried over bankruptcy, baliffs, doorstep collectors. I feel I have control if everything is kept in writing. I can ignore the letters if I want, with phone calls you can't unless you unplug the thing!

Toffee_Penny

Also creditors are very aware of the current situation and must realise by the sheer volume of customers going through CCCS and payplan that people really are genuinely struggling. If they want to help then stop the interest and charges not write loads of letters to say call immediately so some robot can reduce you to tears, make you feel like a failure and force you into paying a few quid more! :mad:

I know they are business and to be successful you have to make as much money as you can but be reasonable by all means. If it wasn't for the ridiculous amounts of interest and charges we have all paid throughout our accounts lifetime then we wouldn't be in the kinds of positions we are in now and the amount we have paid over the years we must have paid all of them twice over anyhow!

I did worry before about going to court and getting ccj's but have realised because we don't have a house and am paying regular payments to them, what would be the point? what would they gain? That's the only reason why they haven't pushed for a ccj with us, they HAVE to accept the situation and the payments we can afford as this time to make to them.

We would love to be paying up to £700 odd quid a month and be debt free in a few years if we could afford it. I don't want to be here in this mess continually eating sleeping debt matters everyday for 15 years or so but that's the reality. The creditors have no choice until things get better.

I fully understand though Kudox, it's just a pain in the harse dealing with those damn letters! There just seems to be no getting through to some creditors. and that's the most frustrating part of it all.

symesd

Yippee , not been on for a while, have been feeling down coming upto Christmas, lack of money and all.

BUT today - ABBEY have finally paid out on unfair Bank Charges - Claimed £1048 - they paid out £1224.90 today straight to my bank account - what a nice surprise that was. Can buy a few nice presents for the kids now and pay off about 5 Bills. Could not have been better timing..

Happy Christmas Everyone
& a Happy New Year

Hope you all get some good news over Christmas too.

D.
xx

Kudox

Thanks Toffee for the words of encouragement:beer:

I know deep down they are just trying to scare me or bully me into paying more etc, and usually I can deal with it and see it for what it is, but somehow this time it's got to me a bit.

Good to hear from others what they think, as always the support on here is amazing:A
Hey Symesd what a wonderful surprise for christmas, you must be chuffed to bits, what a result:j

tunathe_cat

southern soffte

Hugs n xxx
keep popping back to this site and pick up tips from here and there
you are allowed to be sad but dont forget the happy times.......:A

fermi

Any thoughts?

http://forums.moneysavingexpert.com/showthread.html?t=1360709

Gemmzie

Fermi, while your here, do you think we could have a new thread soon please? This one is getting a bit massive!

fermi

Gemmzie wrote: »

Fermi, while your here, do you think we could have a new thread soon please? This one is getting a bit massive!

OK. I will get that sorted.