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My Current DMP Plan

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  • #91
    Re: My Current DMP Plan

    they siad 70% would be the min they would accept and might not even accept that so thought it was good that they agreed to £500??
    Barclay Card Flexi Rate - £721
    Barclaycard - Gold Mastercard - £5436
    Barclaycard - Cashback Card - £2605
    Total CC Debt = £8762

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    • #92
      Re: My Current DMP Plan

      Originally posted by Life Goes On View Post
      really?? i thought it was a result as its £220 cheaper and its one more card closed down?? they can take the piss all they want with the other cards cos they are big uns and i def cant pay them off!! lol
      Yea that's the problem, you're setting a benchmark. As the big ones won't be settled, why the urgency to settle the small debt? Just agree to £10 per month and it'll be gone before the other two anyway!

      It's a bum deal, alland recently went for a £2k settlement on a £10k debt, 20% is a good deal. 70% is pointless on a small debt.
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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      • #93
        Re: My Current DMP Plan

        Originally posted by Life Goes On View Post
        they siad 70% would be the min they would accept and might not even accept that so thought it was good that they agreed to £500??
        Yea, rule 1 in debt consolidation - stop messing with the lender! Stop paying and let them sell it to a dca then haggle down to 20% via the dca. If you try and haggle with the bank they usually refuse, and why not when they already know you're easy to temp into silly acceptance of offers....

        See what I'm saying here lol?
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #94
          Re: My Current DMP Plan

          hmm yeah i do, i just want to get rid of as much debt as i can, ive had the money so do owe it. and i like to get rid of the small ones first then i can see things getting sorted and feel im getting somewhere, once this goes i ob[nly have 2 cards left and feels better than 3! but yeah i see what your saying
          Barclay Card Flexi Rate - £721
          Barclaycard - Gold Mastercard - £5436
          Barclaycard - Cashback Card - £2605
          Total CC Debt = £8762

          Comment

          • #95
            Re: My Current DMP Plan

            You need to forget small debts and consider the bigger ones, that's my point.

            For the sake of £700 debt - why worry about it? Save yourself £2k then you'll be in a better position to haggle one of the big debts. Ideally let them bundle all 3 together and a £4-£5k offer would wipe the slate clean!!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #96
              Re: My Current DMP Plan

              Hows this going - any update
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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              • #97
                Re: My Current DMP Plan

                Just has a quiet moment in work and read all 5 pages of this thread.

                Hope you are OK Life Goes On and the debts are not causing you any grief?

                Best,
                Missy
                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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