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Ask a CCCS counsellor a question

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  • CCCS_Matthew
    CCCS_Matthew Posts: 922 Organisation Representative
    Part of the Furniture Combo Breaker
    robgazi wrote: »
    Hello:

    After living with personal debts of £11,000 and in the last five years being able to secure permanent employment has been slim to none and now considering the current economic climate, I have therefore decided I wish to clear all my debts through bankruptcy. I have read the law on this matter. I understand the law. And my feelings are clear on this matter. I have no qualms as I've attempted to do the "decent" thing and with met with humiliation and rejection. (something, I'm not going to explain myself.) My only question is this please: Considering I do not have the five hundred pounds required to declare bankruptcy, is there an alternative route or some kind of funding available? Thank you.

    Hi robgazi,

    If you are not currently working, it's likely you will qualify for £150 discount to the fee by filling out an EX160A form (available from your local County Court). This would mean you would only have to pay £345 for your bankruptcy.

    You could also attempt to apply for a non repayable grant for the remainder of the amount depending on your utility providers. Many utility companies provide grants, although they do tend to have a limit on how much they can pay out each year so it's never guranteed that you will get one. Details can be found here

    Hope this helps,
    Matthew.
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • CCCS_Sue
    CCCS_Sue Posts: 966 Organisation Representative
    haleygrey wrote: »
    I filled in the debt remedy this afternoon so hopefully I will get a response on monday. If i can be given advice on how to reduce my monthly outgoings so that I can live instead of exist, that will be an absolute godsend

    Hi haleygrey

    Debt Remedy will give you advice tailored to your situation by looking at your income and expenditure and helping you to put together a budget.
    This will show you realistically how much you need to put aside for your priorities and what is left to deal with your creditors.

    It then explains the options available for your situation and gives advice on dealing with your creditors.

    We have a Debt Remedy team here for any further advice you require,so do let us know if you have any other queries.

    Hope you find it useful!

    Regards
    CCCS
    I am a CCCS Debt Counsellor and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on CCCS in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy
  • CCCS_Sue
    CCCS_Sue Posts: 966 Organisation Representative
    Wehateourdebt wrote: »
    Hi Guys - I'm a first time poster - my wife and I are just about to enter in to a DMP with CCCS, and I don't nkow if student loans should be included as priority bills or not? Most of my student loans have been transferred to a company called Thesis recently - don't know if that makes a difference?

    Thanks!

    Hi wehateourdebt

    It would really depend on the type of student loan you have. You would need to contact our DMP department regarding this.I will PM the number for you.
    Regards
    CCCS
    I am a CCCS Debt Counsellor and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on CCCS in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy
  • CCCS_Sue
    CCCS_Sue Posts: 966 Organisation Representative
    craigp wrote: »
    Can I just ask if payday loans can be added onto a DMP?

    Thanks!

    Hi craigp

    Yes, they can be added to your DMP.
    As long as the debt is unsecured which they generally are.

    Regards

    CCCS
    I am a CCCS Debt Counsellor and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on CCCS in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy
  • catwoman150
    catwoman150 Posts: 974 Forumite
    I am on a self admin dmp. Can a credit card company that I have a default on ask me to send them a copy of all the other defaults that I have from my other creditors as I thought that they can just look at my credit report. I have four credit cards and have defaulted on three of them and the other one they have put me on a payment plan.
    cross stitch cafe #90 UFO's 6 to finish in 2013, and loads of new kits to boot
    Refunded bank overdraft charges £915 :j
    SPC 2007-2008 #078 aim £500-£341.67
    SPC 2011-2012 #078 aim £500-£426.42
    SPC 2012-2013 #078aim £500 - TBC
  • craigp_2
    craigp_2 Posts: 146 Forumite
    Part of the Furniture Combo Breaker
    CCCS_Sue wrote: »
    Hi craigp

    Yes, they can be added to your DMP.
    As long as the debt is unsecured which they generally are.

    Regards

    CCCS

    Many thanks Sue :T god bless you all for your good work :xmassmile
    Official DFW Nerd Club - Member no. 058 - Proud to be dealing with my debts

    DMP Mutual Support Member 354 :D DFD 2021 :mad:

    Loans= £10000 C/C=£5000 Family= 18000 :eek:
  • marina.justin
    marina.justin Posts: 3 Newbie
    MSE_Wendy wrote: »
    The Consumer Credit Counselling Service (CCCS) has several counsellors answering questions in our forum. There are three ways to contact them:

    1 - To ask them a question please post it below and someone will post a reply here.

    2 - If you would prefer to ask a question in private you can send a private message to CCCS Private Messages, and one of the Counsellors (Matthew, Sarah, Alan or Sue) will get back you.

    3 - CCCS's Debt Remedy is an online tool where you can chat to a counsellor anonymously and ask questions as you work through a budget plan.
    I'm nearing the end of my IVA with Debt Free Direct come Feb 2009, what must I do to ensure that I get back any money owed to me. I feel I may have over paid. I've underwent counselling for the past 5years and I'm now ready to sort out this issue. I've already requested copies of proof of debts from some of my creditors, as i can't remember and have no documentation of 2 of the disputed debts. What do I do? My debt totals around £14-16'000 and my DFD repayments are £243 a month.
  • CCCS_Matthew
    CCCS_Matthew Posts: 922 Organisation Representative
    Part of the Furniture Combo Breaker
    catwoman150 wrote: »
    I am on a self admin dmp. Can a credit card company that I have a default on ask me to send them a copy of all the other defaults that I have from my other creditors as I thought that they can just look at my credit report. I have four credit cards and have defaulted on three of them and the other one they have put me on a payment plan.

    Why does the creditor want you to send copies of your defaults? As far as I'm aware, a creditor must have permission from you to check your credit report. So if you don't want to send them the information you're certainly not obliged to do so.

    Regards,
    Matthew.
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • CCCS_Matthew
    CCCS_Matthew Posts: 922 Organisation Representative
    Part of the Furniture Combo Breaker
    marina.justin wrote: »
    I'm nearing the end of my IVA with Debt Free Direct come Feb 2009, what must I do to ensure that I get back any money owed to me. I feel I may have over paid. I've underwent counselling for the past 5years and I'm now ready to sort out this issue. I've already requested copies of proof of debts from some of my creditors, as i can't remember and have no documentation of 2 of the disputed debts. What do I do? My debt totals around £14-16'000 and my DFD repayments are £243 a month.

    Hi there.

    When entering an IVA you agree to pay a set payment over the 5 year period (subject to any changes should your situation alter over the period). On that basis, I'm unsure why you feel you've managed to overpay your debts?

    Or do you feel you've paid money towards debts that you now feel you didn't owe the money in the first place?

    Regards,
    Matthew.
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • catwoman150
    catwoman150 Posts: 974 Forumite
    CCCS_Matthew wrote: »
    Why does the creditor want you to send copies of your defaults? As far as I'm aware, a creditor must have permission from you to check your credit report. So if you don't want to send them the information you're certainly not obliged to do so.

    Regards,
    Matthew.

    The credit card company want me to send them proof of the defaults before they can start a payment plan with me. Thats what they are saying anyway. I have not sent the information off to them though.

    They must think that I am telling them a load of old tripe or something. I also think that it is another way for them to drag their heels and not tell me or not if they have accepted my payment as a long term arrangement.
    cross stitch cafe #90 UFO's 6 to finish in 2013, and loads of new kits to boot
    Refunded bank overdraft charges £915 :j
    SPC 2007-2008 #078 aim £500-£341.67
    SPC 2011-2012 #078 aim £500-£426.42
    SPC 2012-2013 #078aim £500 - TBC
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