DMP Mutual Support Thread (Part 4)

Yummy-mummy

Korkz wrote: »

Ugh, just tried to go through PayPlan for a DMP after my CCCS one lapsed, and they've just called to tell me that they're not willing to take me on, as in my current circumstances it would take me 11 years to pay off what I owe and apparently the creditors won't go for it. The girl on the phone suggested bankruptcy, but I would lose my job and rented home immediately if I went bankrupt. Was feeling so optimistic at the start of today too, sigh.... Just about to approach CCCS and see if there's any chance of getting back on my plan with them, but from what I hear it seems unlikely. Keep your fingers crossed all!

Hi. I'm just starting a DMP with PayPlan and they phoned me today to go through the assessment. After going through the figures I was told it will take approx 22 years to pay everything off (me & OH have about £60k owed between us). Explained that I was worried about bankruptcy and was told that the chances of that happening were very unlikely. The worse things that could happen to us are CCJ's and Charging Orders. Perhaps you could call them back and try again. Will keep my fingers crossed for you.

wen3

MadDogWoman wrote: »

Hi Wen,

I've been on a DMP with the CCCS for almost 2 years now.

I have 3 accounts with HSBC, all offers have been rejected and they continue to charge interest too!

On the two smaller accounts they have cancelled my OD facility but have continued it on biggest OD - HSBC are a law unto themselves I think.

MDW

Thanks MDW we will have to wait and see what happens:) On a positive note we have just switched gas and electric suppliers and did it via quidco so should get a little extra back.

Griswold

We have just started our DMP with CCCs so wondered if we could join in.

We have £114,000 included in our DMP, alot of credit cards and storecards but a massive debt of £70k to one of my hubbies old business debts. The reason we are in so much trouble now is we have paid them over £50k in 12 mths before we have finally had to seek advise.

They have issued a statutory demand and even after we have offered them everything we have they are still insisting they will be petitioning for bankcruptcy. If that happens it will wipe of my hubbies debts and depending on if we can even keep the house I will have roughly £23K in my name which I would carry on through a dmp.

We should know by next week whats going to happen and we have had such a crap time for the past year it might be in our best interests.

Anyway back to the DMP
Next have accepted straight away and stopped interest and so has Capital One. Natwest have issued a notice of default straight away with 17 days to pay in full or default goes ahead. Other than that we haven't heard fron the other 11 yet. Lloyds are our next biggest creditors with a credit card each and 2 overdrafts and I believe they are awful so I will let you know how we get on.

I have found the phone calls ok and have told them all about cccs and given them an acc mnum and they seem to have stopped.

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
Angels960 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

Two latest added - all present and correct - official welcome :T

Toffee_Penny

A big 'hi' to all the new members :j well done for taking the first steps, stick around on here the site is amazing I never knew about PPI, claiming charges back, CCJ's until looking at this site. Amazing information that no doubt will help someone somewhere including me!

Paid my £169 DMP payment slip at the Post Office yesterday, robbing doo dahs charged me an extra £2.35 aswell as a fee!! A fee for what? stamping the slip, what a cheek!

I sent my direct debit mandate form off to CCCS today, recorded delivery, can't trust the post these days and you could guarantee THAT letter would go missing.

With reference to the question about what to put in reasons for change on the template letter, I just put that I was finding it increasingly difficult to meet monthly payments to all my creditors. I was living off my overdraft every month, money went in to cancel it and bills came out and I'd be back to minus again waiting for the next credit to my account. I can't believe I lived the way I did for so long, it was so depressing.

So now I just sit and wait and hope all my creditors will think I am special and say yes to my plan. So far so good; no phone calls (changed my number free with Post Office home phone) and only 2 letters from my 5 creditors.

Good luck to everyone and I think its time I asked Rayday for a number (please), I'll be around for at least 5 years, don't want to feel odd one out

Griswold

I must admit that before finding this site and then using CCCS I didn't sleep for months, cried most of the time and struggled to find enough money for food whilst paying as many people as possible. Now its as if a weight is lifted. Knowing that we haven't committed a crime and thousands of people are just like us has brought it home. We have our health and our family and yes its going to be a long hard road but we have support now.

Sorry to gush but my marrage nearly broke up because DH kept it all from me and I blamed him for a while. I think we are stronger now though and it had given us a different outlook on our lives and whats important.

rayday2

Toffee Penny added you with great pleasure number 211 - Big official welcome with that clappy wavy bloke who I don't know the shortcut for

Griswold - I am glad to hear you are through the rougher parts, I would rather have money worries than family pressures any day. Take care!

Numpty_Monkey

Hi all
just waiting for my DMP pack from CCCS
I did thier debt remedy a couple of days ago, i filled it in when suffering from lack of sleep I'm not sure i can afford what they say i can,
and it said my first payment was due 1 July , i don't get paid untill 11 July

just want to post on this thread and say looks like you've got a pet Numpty to join your family, if you'll have me

rayday2

Do pet Numptys come with a pedigree certificate? We don't just want any Numpty

You want an official number?

newlywed

Numpty_Monkey wrote: »

Hi all
just waiting for my DMP pack from CCCS
I did thier debt remedy a couple of days ago, i filled it in when suffering from lack of sleep I'm not sure i can afford what they say i can,
and it said my first payment was due 1 July , i don't get paid untill 11 July

just want to post on this thread and say looks like you've got a pet Numpty to join your family, if you'll have me

Hiya, we already have a yellow monkey so come and join in

Don't panic. When you get your pack through, just ring them, ask them to go through the figures again. Explain you don't get paid till 11th and ask to start 1st August (after your 11 July payday)

They are there to HELP - and are so very nice. After you have been on a DMP for a few months (might be 6 but I can't remember now) they do a review with you so if you find you miscalculated, you can always amend it later on