I have setup this blog to hopefully record our progress through our Debt Management Plan (DMP) and our journey from debt to debt-free.

If you have any questions then please let me know however if they are financial questions then can I suggest you speak directly with a free debt management company.

I am recommending the Consumer Credit Counselling Service (CCCS) as I have found numerous forum posts and success stories from people who have been where we are - all the information I could find about the CCCS was excellent and they come highly recommended.

I shall be updating this blog regularly with any information/letters/phone calls I receive from both the CCCS and/or my creditors to hopefully give you some idea of the process involved in a DMP.

I hope this site proves helpful.

Monday, December 21, 2009

Pre-Christmas update

Just an update before the crimbo period.

I've had calls from 3 of my creditors now (Barclaycard, Lloyds TSB and CitiCard) and my wife has had a call for her from Barclaycard. Explained to each of them that had contacted the CCCS and gave them the reference number. They said they would stop any further calls for 30 days but I don't think they're stopping any charges or interest :(

We finally got proof of earnings for my wife so have now sent everything off to the CCCS - I shall call them in a couple of days to see if it's been received.  

Anyways, hope you all have a greate christmas and that 2010 is a better year than 2009!