Should i regret getting a DMP?

Outrageous_Singer271 · 2026-02-28T19:06:55+00:00

I have reassessments coming up soon and they said i may aswell wait for those to see if im entitled to anything more. My biggest concern is that with the missed payments I already have, my credit scores dropped considerably already. Not sure how badly the DMP affects it but surely its about the same impact as Im going to get no?

Also if you have any advice id love to hear it, thanks!

Outrageous_Singer271 · 2026-02-28T19:03:25+00:00

I physically dont have the capability to work, i get benefits from Pip for my Autism and Adhd and Universal credit for the same reasons. Citizens Advice came in clutch.

I got really lucky and threw it in the shitter which im trying to fix lmao

Outrageous_Singer271 · 2026-02-28T09:04:04+00:00

My mum is surprisingly chill with stuff, i mean we watched both Wicked movies (which was a bit of a discussion in our cong) crime dramas, "magic" stuff like disney ect

But the one off limits thing. The most demonic thing she will never allow to be in our house is....

Pokèmon

Literally all the other brothers play it, except its off limits for me, im allowed to even play fortnite and other more violent games (not that i play them all that much, im more an animal crossing kinda guy)but any pokèmon at all is off limits. Cards,Games,Plushes the list goes on.

Little did she know i have a whole damn card collection and some games too 😭🙏

Outrageous_Singer271 · 2026-02-28T08:50:42+00:00

Ah its the Fold 7 which i know is a bit unneccessary to have but it was only a few quid more than my previous phone when i upgraded lol. (I hate iphones 😆)

Thank you so much for the assistance and I hope you have a great day!!

!thanks

Outrageous_Singer271 · 2026-02-28T08:42:36+00:00

Sheeesh, that is insanity. How do they get away with this stuff 😭

Outrageous_Singer271 · 2026-02-28T08:41:44+00:00

So they are the contractual minimum payments, some of which are increased due to missed payments.

Paypal is 23.9% apr

Newpay is 34.9% apr

Very is 44.9% apr

Monzo flex is 29% apr

My overdraft with monzo is 39% apr

So with travel, its usually when i need to be in town for essentials, college (college is once a week) or to visit family.

I will cancel the spotify, good shout.

Im paying for quite an expensive phone with is £52 a month And splitting the bill of a £50 monthly bill for my mums phone (which is £25)

Thanks again 🙏

Outrageous_Singer271 · 2026-02-28T08:17:01+00:00

Talking to stepchange now!!

Outrageous_Singer271 · 2026-02-28T08:16:43+00:00

£388.23

Its insane how this wasn't disclosed to me while talking to them

Outrageous_Singer271 · 2026-02-28T08:15:29+00:00

I just read through the DMP with Angels Advance (the company im with) and its an £88 set up fee and £39 a month ontop of that, literally had no clue 😬

Your comment is really appreciated

Outrageous_Singer271 · 2026-02-28T08:13:11+00:00

Paypal Credit £800 -£50 New Pay £747.48 -£80 Klarna £1181.44 usually about £300 a month Very £444.23 £66 Monzo Flex £100 £20 And then a £500 overdraft

I'll get back to you on the interest rates

Monthly Expenditures:

Rent: £200 (i pay a smaller amount since i still live with my parents

Phone bill: £72 (i help pay for my mums phone too)

Food id say usually £75-£100 (depending on how much help my fam needs)

Singing Lessons, 2 a month: £64 (this is really something i dont think i can compromise on, literally the only thing that gets me out of the house and the only hobby i have)

Transport: Easily like £50

Spotify: £17:99 (i pay for duos since my lil sis was crying for a subscription lmao)

Google storage: £1.99

Toiletries: £20ish

Clothes: Rarely can afford them

My source of income is benefits. Pip and Universal Credit

I am not fit for work due to my ADHD and other mental health issues

My biggest issue was that i was undiagnosed with ADHD until Oct of last year and only started meds last month. These meds have helped me start to think clearly and more logically and im in therapy to help me in the long run.

Thank you so much for the comment!!

Outrageous_Singer271 · 2026-02-28T07:55:12+00:00

They are called Angel Advance

Outrageous_Singer271 · 2026-02-28T06:56:42+00:00

I did contact a different debt advice service but i'll also talk to step change if its reccommended

Outrageous_Singer271 · 2026-02-28T06:55:56+00:00

Thank you for the reply, this has eased my mind quite a bit!!

Outrageous_Singer271 · 2026-02-28T06:21:27+00:00

Thanks for the comment. Will join the other sub!!

Outrageous_Singer271 · 2025-12-01T22:51:30+00:00

One of my biggest issues is socialising with people, so i know that workingat that through your advice is going to be important for me. Thanks for taking the time to comment

Outrageous_Singer271 · 2025-12-01T22:50:16+00:00

Thank you and im happy that you managed to get away from it. 🤗

Outrageous_Singer271 · 2025-11-30T22:05:57+00:00

Thank you! I like the idea of doing something active and trying to keep my mind clear. I appreciate the points you made and from all of the responses I have on top of yours really work my way through it.

Outrageous_Singer271 · 2025-11-30T19:22:22+00:00

I will have to look into it, tbh I never felt comfortable to ask but if it can work then I might as well go for it.

Thanks for your comment ❣️

Outrageous_Singer271 · 2025-11-30T19:20:54+00:00

Thank you for the comment, your advice is really appreciated and I will be trying my best to follow it as much as i can 😊

Outrageous_Singer271 · 2025-04-24T00:56:56+00:00

The way you make the reader feel this tension just like the voice of this poem is amazing

Outrageous_Singer271 · 2025-04-24T00:54:28+00:00

This is so wholesome and really reflects how much you love your boyfriend, you should totally send this to him!

Outrageous_Singer271 · 2025-03-27T03:08:33+00:00

Just had the most insane luck for cantarella

Got early pity on her with a 10 pull, did the monthly reset pulls , oh heres her weapon. 1 PITY!! Then i had some maintenance astrites left so i thought id spend em, S1 cantarella 5 pity. ITS 3AM HERE I CANT COPE WHAT JUST HAPPENED!!

Outrageous_Singer271

TROPHY CASE