My Current DMP Plan

[di30]

Re: My Current DMP Plan

Thanks Di, i never took out any PPI's so thankfullythis is not something i need to claim against. I always strictly refused to take it out.

This site is great, ive done alot today in the start of sorting my debts out, well not really but in my head i have and its making me feel great just to be able to speak to people going through the sme thing and also get the great advice!

Have a fab evening everyone. xx

Hi hun

Good on you too!

I agree, these peeps on here have been amazing, when I fell into some hardship difficults some time ago they helped me through it, and now everything is sorted more or less and I have both feet on the ground again.

You too have a lovely evening. xx

[Life Goes On]

Re: My Current DMP Plan

Thanks Di, i never took out any PPI's so thankfullythis is not something i need to claim against. I always strictly refused to take it out.

This site is great, ive done alot today in the start of sorting my debts out, well not really but in my head i have and its making me feel great just to be able to speak to people going through the sme thing and also get the great advice!

Have a fab evening everyone. xx

[di30]

Re: My Current DMP Plan

Hi JenJen

You've been very busy, and welcome again.
Glad your thread have been set up, and can see the excellent help and advice you received so far.

You will get through it, I promise, and your right - this site is like a breath of fresh air.

I normally deal with mis selling issues of insurance, Payment Protection Insurance, or any mis sold insurance to that matter, so just to add if you think you may also have a case of being mis sold let me know.

I don't want to confuse matters but the link below will lead you to the PPI reclaiming thread if required (to keep it separate to this one, so we know where we are).

http://forums.all-about-debt.co.uk/f...splay.php?f=33

Good luck JenJen, and there is help all the way.

Catch you later.

[Life Goes On]

Re: My Current DMP Plan

Both applied for!

Yep im done too, off home at 5 and no laptop as its broke

Speak to you all soon and thanks for you help xxx

[Never-In-Doubt]

Re: My Current DMP Plan

Thanks, ill apply for my report now..

ha ha ha ill send him the link see what he says!!.. and its ok we dont fight, never have..even when we split up!!

And minted..i wish!!!.. im new to the role so still a bit green and cabbage looking, but hopefully it will turn into a good career, and good thing about it, lots of pay rises..yey!!!

Ok good luck, obviously you need both Experian & Equifax so it'll be 2 x £2...

Ahh - never knew you were a newbie

So, are we done? Can I go for the day now

[LooLoo]

Re: My Current DMP Plan

You're brave - on that note, time for me to leave this thread lol

It's ok I will be polite and keep quiet as we are on Jen's thread! (but Swanny watch out I will get you later!)

[Never-In-Doubt]

Re: My Current DMP Plan

Yea, LooLoo's not exactly the silent sort.

You're brave - on that note, time for me to leave this thread lol

[Life Goes On]

Re: My Current DMP Plan

Thanks, ill apply for my report now..

ha ha ha ill send him the link see what he says!!.. and its ok we dont fight, never have..even when we split up!!

And minted..i wish!!!.. im new to the role so still a bit green and cabbage looking, but hopefully it will turn into a good career, and good thing about it, lots of pay rises..yey!!!

[swanfan]

Re: My Current DMP Plan

Well you will fit right in here then!!

Lots to take in today for you!! I personally feel I wasted a year on my DMP but with hindsight i really do wish I had thought of going down the UE route sooner..... but hey ho I am on the way now...

Yea, LooLoo's not exactly the silent sort.

[LooLoo]

Re: My Current DMP Plan

im a bit of a gobby cow at times and might be enclined to tell them to eff off..then run and hide!!!

Well you will fit right in here then!!

Lots to take in today for you!! I personally feel I wasted a year on my DMP but with hindsight i really do wish I had thought of going down the UE route sooner..... but hey ho I am on the way now...

[Never-In-Doubt]

Re: My Current DMP Plan

Hubby is in same position as me, think he has 4 credit cards like i had, but my mum paid one off for me when we first split up as i was in flat out panic mode about the house!.. ill tell him, you never know he might join ha ha ha!!

Send him the link, no harm in him joining - unless you pair start fighting in which case i'll ban ya both

Regards to doorstep collectors, ive never actually come face to face with one as yet, but im a bit of a gobby cow at times and might be enclined to tell them to eff off..then run and hide!!! but the whole letters being received was worrying i must admit.

The letters are the easiest part, we can laugh at them and bin them - nothing to get mad/upset over, its simply a letter - right?

Honestly im under no illusion that the credit card companies are "alright" and im sure they will get shitty with me at some point as its coming up to 2yrs since i started my DMP but had no problems so far, so im hoping i can continue this way while i decide whats best to do, as soon as they get funny with me then its BRING ON THE WAR!!!

Best of luck, you may get lucky and find they're happy at the repayments - then again, maybe not - only time will tell. I thought in your line of work you'd be minted!

[Never-In-Doubt]

Re: My Current DMP Plan

Look here--> Credit Reference Agency Addresses

As Jen uses Barclays, its worth paying £2 for the Experian and Equifax files only - get a paper copy, sod the online version (its kinda crap in fairness) and then you'll know what is showing on there......

Barclays tend to record with Equifax but also started using Experian over the last few years so best to get them both!

[swanfan]

Re: My Current DMP Plan

Credit file, how do i get one, is that still a credit check?

Look here--> Credit Reference Agency Addresses

[Life Goes On]

Re: My Current DMP Plan

Thanks for your time with me today!!

Credit file, how do i get one, is that still a credit check? ( sorry once again im being dim!!)

Hubby is in same position as me, think he has 4 credit cards like i had, but my mum paid one off for me when we first split up as i was in flat out panic mode about the house!.. ill tell him, you never know he might join ha ha ha!!

Regards to doorstep collectors, ive never actually come face to face with one as yet, but im a bit of a gobby cow at times and might be enclined to tell them to eff off..then run and hide!!! but the whole letters being received was worrying i must admit.

Honestly im under no illusion that the credit card companies are "alright" and im sure they will get shitty with me at some point as its coming up to 2yrs since i started my DMP but had no problems so far, so im hoping i can continue this way while i decide whats best to do, as soon as they get funny with me then its BRING ON THE WAR!!!

[Never-In-Doubt]

Re: My Current DMP Plan

Yes makes sense, i dont have any defaults, i did a credit check last year about Sept and nothing shows on there as in Default and nothing has changed since then.

Your credit file changes monthly, with monthly feeds - remember that

I was hoping to up my payments to £150 per month on the DMP once i get my pay rise in July so in 6yrs i could have paid all my credit cards off, plus in 6yrs id be hopingto earn more money so there its possible i could pay it off earlier than in 6yrs.

Ok, that's presuming they freeze interest and don't up the payments/get heavy? They will. Sorry, ask looloo and others, they will never keep something like a self managed DMP ongoing - it's not in their interests to, so expect them to sell it at some point (usually after a year or two) with the DCA making all sorts of threats.... i'm not trying to scare you, i'm trying to make you see through the image that these scum are *alright* - they simply aint! read some of the diaries and you'll get a better idea

When the husband left i had baliffs and debt collection agencie letters come to my house alot and it was a bit scary, once they knew he no longer lived there they did leave me alone but im not sure i can handle going through it all again, plus my ex left approx 2 months ago and he still has CCJ's coming through the post for his debt, although nothing to do with me so i know they cant do anything about that, just not sure i want the harrassment.. its something i am going to have to seriously think about though.

They would be doorstep collectors, debt does not warrant bailiffs (ie court appointed) and as it is civil, you'll never meet one! Point here, they have less authority than your postman - did you know that? They have NO rights whatsoever, some of the 'older' people on here have had doorstep collectors and handled them perfectly well, and I mean big burly men - but you know what, quote the law and they soon bugger off back under their rock.....

Do you think it'd be an idea to get hubby to join us (lol sorry, just a joke) as he seems bad in debt too!

Ill get all the paperwork out and check the total balances and see if i have any of the agreements etc and answer those questions you asked and take it from there....im a bit of a chicken when it comes to not paying things!!!

Okies, but you'll get most the info from a credit file and/or the lender - the agreement/dmp will not be able to confirm anything as data changes monthly, like I said earlier.

Now you're gonna be proper confused - good! Means that you're taking all this on-board