DMP Mutual Support Thread (Part 4)

rayday2

newlywed wrote: »

It was me that posted the GE money article - I had a Debenhams card (GE Money) with a huge balance and am now a little concerned about this. At the moment CL Finance seem happy to accept the DMP and it is all going smoothly. Guess I will just have to read any A&L terms and conditions updates very carefully :rolleyes:

http://forums.moneysavingexpert.com/showthread.html?t=1039731

Think this topic answers our question, someone owed Halifax, debt was sold onto Blair Oliver & Scott in the Halifax group and £3k was taken out a Halifax account.

So maybe to be on the safe side it could be worth changing things a little - which is quite scarey as I bank with Cahoot and A&L, may have to switch things over to the Yorkshire Bank, hubby has an account with them but its not in joint names and to put it in joint names Yorkshire make you reapply for the account.

Not ideal.

WhoopieDoodle

rayday and maz, thank you both for your support and words of encouragement. I feel suitably ready to tackle whatever is thrown at me. Mind you, my brain cell is feeling a bit tired and I've gone meat free this week (to keep shopping costs down) and all I can think about now is a bacon sandwich!

Mind you, apart from that I've had some lovely meals this week which has been very cheap without the meat!

See you soon and take care

andytwonames

rayday2 wrote: »

Off topic but has Andytwonames been in the topic this week - and if not what was the weather like "down saff" on the weekend

We "soft southern jessies" got rained upon on and off on Saturday which spoiled the fun a bit.

Sunday the sun beat down on us at the London Bikeathon. We arrived to see a couple of Gazebos being constructed and started to help. Gazebo 1 had the roof put on and 6 of us raised it to its full height. Then we found that the roof was on inside out and so there was nothing to attach the guy lines to. Having sorted that, we found Gazebo 2 had no roof at all so we improvised with a tarpaulin (which I had taken in case of wet weather) and reels of gaffer tape.

A good stage hand can fix anything with gaffer tape. Even credit histories.

rayday2

*puts phone to emergency services down*

Hello there

I might buy some gaffer tape now, maybe you should set a website up offering a credit quick fix and post them out tape lol

Whoopie we switched to economy middle bacon that is as far as my meat cut back can go! We don't eat meat every day but I buy it every week.

lisa-r_4

* passes Rayday her holiday rock *

Hi guys,

Can I officially join your group pleeease? After a near breakdown and endless soul seeking over the past couple of months, i've made the decision to opt for a DMP opposed to bankruptcy. Of course i'm still worried that I might be made bankrupt by my creditors anyway, (I owe around £80k to my absolute shame) but will give a DMP my best shot in the meantime. I received my pack from CCCS today, and I have to admit it made me cry seeing everything in black and white. BUT, with the support of you lovely people on here i'm hoping i'll be able to turn my life around and get back to being my "usual self" again soon. Baby steps.

I'm hoping i'll be able to grow my small business, perhaps even take on some part-time work, up my DMP payment, as well as putting back some money each month if possible for full and final's. Does that sound like a good plan? Any words of encouragement would be much appreciated.

rayday2

rayday2 wrote: »

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

This is the support thread for anyone on a DMP. The original started by 95Kelly, the second and the third 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
Claireyfairy31 218
Singsalsing 219
Yummy-mummy 220
Lisa-r 221

Officially added :T

And thanks for the rock! Your plan sounds very good, who knows what lays around the corner its not always bad stuff!

ANY_CHANCE

Hi Lisa

your doing well, you are trying to do something about the situation you are in and thats good

remember to take each step at a time, get your forms filled in and send them off

Then think about ways you can cut expeniture/make more money

hang in there you can do it

I find it difficult to plan food shopping and meals etc:rolleyes: so i am going to try my best to do that this week

alona1

Has anyone had dealings with Halifax? How are they at accepting a DMP?

WhoopieDoodle

Afternoon folks. Rayday, we are having bacon tonight! I've been meat free for a week so decided bacon sarnies were in order. It's back to the veggies again tomorrow as I've found loads of recipes and it's keeping the grocery cost down quite a bit at the moment.

Lisa, try and keep positive and have goals to achieve as this really helps. Once your DMP is up and running you will feel much better. As rayday says, we don't know what is around the corner but if we cover all angles and keep positive, we can deal with whatever is thrown at us. It's only money after all and the b****ers can't have what we ain't got!

newlywed

ANY_CHANCE wrote: »

I find it difficult to plan food shopping and meals etc:rolleyes: so i am going to try my best to do that this week

Ooh I can plan meals... (check out the Old Style thread there's a meal plan thread on there most friday's where everyone posts their plan). My problem is sticking anywhere near my budget!!!