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[GeoffATPL]

I have an interview coming up with CCCS and need some general advice before I go ahead please.

My situatuation is I have retrained to another career (Aviation) and I am
applying like crazy to companies for positions but no success yet.

Meanwhile I am struggling to keep my head above water paying off all the debt I have built up and am trying to avoid any defaults CCJ's etc, so in summary below is what I owe and how things have gone thus far.

Currently owe

Egg CCard 5000
Egg Money 5000
N Rock 3000
Cahoot 9000
YB Visa 4000
GM Card 4000
Halifax Loan 3500
Capital Bank13500

Total 47000

When I get sorted with a good job I wish to move house because our family is expanding so we need more room, below then are a list of questions relating to what consequences will occur due to dealing with CCCS other than
some peace of ming (Hopefully)

1. Credit rating already knackered will it get worse by dealing with CCCS
2. Don't have any defaults, CCJ's or anything but it's only a matter of time
as more going out than coming in.
3. If I get a plan going with CCCS will it affect me wanting to move house
say in the next 1 to 2 years with regard to getting a mortgage.
4. What options might CCCS offer me.

As an aside Northern Rock are trying to stiff me for an extra £30 admin charge
due to an unpaid DD below is a timeline of events, what can I reasonably ask them to do, and have they broken any rules by trying to collect and then subsequently re-charge me for something I have already paid.

20 July DD for £238 returned unpaid by my Bank
21 July Got letter informing me of unpaid DD which would be collected
10 days after letter.
23 July paid the £238 by Debit card to try and avoid late payment charge
25 July got a letter saying charged £30 for unpaid DD
31 July then they tried to take another payment by DD and returned
unpaid
09 Aug got another letter saying DD returned unpaid £30 admin

I wasn't in arrears so no reason to take 2 DD's so computer/operator has
dropped a clanger, what can I get back, have they flauted any law or guideline and if so between getting my £30 back and asking for the loan to be settled what might be reasonable.

I thank all for any help and advice that is given.

Regards Geoff.

[frankie1]

Firstly, you will honestly feel better after speaking with CCCS as they offer a free service and their advice is totally impartial. They will give you some focus in moving forward with your creditors.
It is very likley that your credit rating will be seriously affected ( do you really need more credit ??) if you start a Debt Management Plan with your creditors
I do know that CCCS can advise you on mortgage options. It is possible to obtain a mortgage.
I think your options are fairly limited and you will receive a number of options from the site members. The CCCS will help you to reach a decision you can live and work with

[spud30]

Hi Geoff, and welcome to DFW

Why dont you have a look at Southern Scouser's guide for newbies, at the top of the page.

Then, post us up a SOA and our resident budget experts will have a look and see if anything can be shaved off your expenditure. Every little bit could help ready for your appointment with CCCS.

CCCS are great by the way, we have a few posters on here who work there and give really great inside information

Stick around, you'll get loads of really great advice.

[MCBIRNIE25]

Hi Geoff,
we have our very own CCCS worker on board, who is very good, and will give general advice. The credit rating will be stiffed I'm afraid, although you should still get a mortgage. With regard to the charges, you can claim them back, have a search for the various reclaiming bank charges threads on the site.