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I've been managing a DMP directly with my creditors for several years now and have never missed a payment.

 

I'm currently 3 months pregnant and with the prospect of 6 months off work on the horizon from Sept this year,

I wanted to contact my creditors and ask them to accept a drastically reduced payment for 12 months,

while I am pregnant and then on maternity leave, with normal payments to resume once I am back at work.

 

I would put the money I usually pay them to once side to help pay my priority debts while I am off work as

SMP does not cover what I have to pay out as well as the cost of having a child.

 

Does anyone have any experience of doing this?

 

Or an advice about the best way to go about it?

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So you are self managing your own DMP.

 

I would simply write to all your creditors explain that you are going to be off work for a period of time because of maternity leave and for X amount of months you will be unable to maintain the current payment schedule.

 

Let them know how much you will be able to pay for that period of time and that you will resume normal payments on DATE.

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hi jo jo

 

what debts have you got?

 

can you list them and whom you pay?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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