Hi Junesc I am in a DMP with Payplan and they are great. My husband and I have a larger debt than you and we are looking at 27 years at least before paying it off. I wish I had looked into an IVA before we entered into a DMP but this still could be an option for us. Have you looked into this or look...

Hi Sorry but I have another question or rather seeking advice. I seem to be on here everyday at the moment with various questions but I am running around like a headless chicken trying to get things straight as best I can. Husband and I are currently in a DMP with Payplan. The interest and charges h...

That is awful. How can the two possibily be asked in the same question? Its companies like them that attach a stigma to being in financial difficulties. As we all know there are lots and lots of reasons why people are in difficulties, not just being reckless and frivilous with money. I had to make a...

Hi all Thanks for replies. My mind is eased, just one of those things that suddenly springs into your mind. House insurance is with Aviva, but they aren't the best anyway and we are not considering bankruptcy so should be fine until the renewal date. At least I know I can change when its up for rene...

Thanks for your reply. Believe me he was told in no uncertain terms where to go. We have contemplated an IVA but are in the process of trying to sell our house and if that fails then that would be our next step. I have already been in touch with several IVA companies and have plumped for Cleardebt i...

Hi A quick question is taking car insurance on a monthly payment classed as credit? The reason I ask is that I have just sold my car to free up some money and thought about cancelling the insurance but what if I can't pay monthly again due to my credit history. They do charge something ridiculous li...

Thanks for reply.

Myself, husband and ex husband have read all contracts several times and can't see any way they can escape a refund, bar not answering the phone! Even their website states this.

Mel

Hi I thought someone on here may be able to answer a question I have about unenforceable credit agreements. My husband and I (also my ex husband) entered into an agreement with a company on the recommendation of our (ex) financial advisor. Yes it seemed too good to be true but trusted him and took h...

one was meant to be on! lol bit early for typing.

Mel

Thanks for your kind words and invaluable advice. I will let you know how we get one.

Mel

Thanks Melanie and apologies for the outpouring, just sometimes can't hold it in. Yes they are aware as we put it in our original letter to them telling them about the DMP and also have said it everytime they have called us to chase arrears but they just talk over me. Today I asked our financial adv...

Hi Melanie The creditor is Barclays. I have posted a couple of times about thier telephone manner etc. I have to say it really scares me. Today I have sold my car (The kids are not looking forward to walking the 3 miles to school) so I will have some money to offer. Bit of a knee jerk reaction but c...

Thanks for reply. Can I get an mortgage offer on a property that may not come to anything due to us not selling in time? We have offered on the new property and they are going to hold marketing for 8 weeks to allow us some time to sell. But we may as well call that 4 weeks once we get Christmas out ...

Hi I have today received my first default notice on my DMP. As mentioned in previous posts we are selling our house and moving to a smaller property. I have a mortgage offer in principle for 75% LTV of the new property. How will the default notice affect this offer? Is it now null and void? I have a...

From doing my calculations I think we would be about the same monthly as we are now in the DMP (tight but managable) but paying back my husbands debt as per original agreement. We live in accordance with the DMP and are managing but I wanted to repay as much as I could of my debt due to not working ...