Just had DMC ringing me telling me NOT to go with CCCS.....

SouthernSoftie

rayday2 wrote: »

And I told you that a large DMC company that I nearly dealt with had no idea about legal matters and just wanted me to have enough disposable income to line there pockets. The "lad" I spoke to had never run a home so how the hell did he know about anything?

I find your posts offensive you are hell bent on ruining peoples confidence in a debt association set up to offset the greed of finance companies. This is just the underhand tactics we all associate with fee charging DMC and you do a credit to the ruthless, profit margained, leeches that feed off those in true hardship. Well done!

Totally agree!

First company told me I had too much left each month so could not go on a DMP.:rolleyes:

Then they said it was ok as my partner's income wasn't taken into account when working out what I could pay. Hmmmm so if I was living with Donald Trump but the debts were in my name I could go on a DMP.

Then they said CCCS take backhanders, or words to that effect, from the credit card companies and so don't give them all my money.

I was told so much guff, and when I found this site and started to quote stuff back at them they put the phone down stating I 'knew too much'.:rolleyes:

Plus I haven't had the CCCS ringing me constantly to go with them, telling me lies whereas I've loads of DMC's doing that, even when I told them NOT to ring me as my number is used for emergency on call for where I work!

rayday2

If you were on the credit card board trying to convince me that a credit card with an APR of 45% is good then you would get the same reception.

But the kind of clientelle that go for those credit cards are desperate or don't even understand apr's and they are the kind of people that need the help, its exactly the same with DMC companies they prey off people when they are at their lowest ebb and I hold utter contempt for them.

You think its good that a salesman is advising me? Thats the quality of service I deserve speaking to someone on comission who does not have my interests at heart - the more desperate I am the quicker he gets his PS3 at the end of the month? Great!

opalfruits_2

RakarthIX wrote: »

I mentioned the most obvious reasons in a previous post, ie legal help, settlements and for those who value time, quicker responses. We all know in the current climate that more and more people are struggling to manage their debts which is increasing the number of people contacting the free DMCs, who are already overstretched and underfunded, which is resulting in longer queue times on the phones and longer responses to queries. (again not all fee-charging DMCs are different to this)

I don't think there is an issue with the response time from the CCCS. And what does "legal help" mean? Advising someone on creditor actions is part and parcel of a money advisors job, and I'd be very surprised if a CCCS advisor did not do this.

SouthernSoftie

Ok, put it this way, you're on a boat, you fall overboard and get yourself into difficulty.

A DMP throws you a rope, 'Here, we'll sort it all out for you, but it'll cost you direct', if you didn't know better you might take that rope and climb on board with them..... because at that point you are desperate.

But.... you'd be rightly annoyed if when you got back on the boat you found that if you'd swum round the corner CCCS was throwing you a rope, the same rope, for free!

Not only that, but because the CCCS rescue was free, you'd end up back on dry land an awful lot quicker than using a DMP.

SingleSue

RakarthIX wrote: »

the fact your brother is a landscape gardener explains why you can do it on the cheap, ie he wont be charging you due to being family. Plus you have completely missed the point I was making, i.e. money buys you a better service (or should do (sharks discounted from this))

And it's the same with debt management - you can do that cheaper with no less bells and whistles too, you just need to have that little bit of knowledge of the products out there and that is where this site comes in.

By the way, this is all by the by to me anyway as I don't actually have to deal with any DMC's as I don't have any debt!

Edit - And that is a brilliant way of putting it Southern Softie

SouthernSoftie

SingleSue wrote: »

Edit - And that is a brilliant way of putting it Southern Softie

Why, thank you

MrsTinks

RakarthIX wrote: »

The C.C.C.S. are effectively run by the creditors, who make a living out of keeping people in debt.

I'm sorry but you what??? DO you know ANYTHING about CCCS and the other debt management charities? Do you know anything about the Charity commission and how charities are governed? I'm thinking not... I've been involved in getting an organisation charity status and how it's governed... I can categorically tell you that statement is incorrect. CCCS are NOT (nor are any other charities) RUN by the creditors. They would have their charity status removed immediately if they were.

The creditors are DONATING money to the charities - probably due to several reasons like it looks good for them, it can probably be written off against tax or something and the charities provide a service that ensures at least SOME of the money gets repaid. They might not like it when people get made bankrupt etc but they've obviously decided the benefits are worth it for them to GIVE money to the charities anyway.

Don't try and tell us they are not independant but are just "puppets" for the credit industry, it's tosh!

More to the point the training provided to the staff at CCCS and Cab to name but 2 is far more stringent and in depth than any of the cowboys selling DMP plans... Sorry but there is no chance you will ever convince me that there is such a thing as a good fee paying DMP company - They want what ANY company wants: TO MAKE MONEY - that means their primary interest is THEM and not US... Unlike the CCCS etc... No brainer if you ask me...

notallbad

MrsTine wrote: »

The creditors are DONATING money to the charities -

Yes I am sure that creditors "DONATE" money to help people out. Thinking about that where do the CCCS stand on reclaiming bank charges or PPI, think I might have missed it but I don't recall hearing alot from them in this respect,

dodecanese

Sometimes I think people expect too much from debt charities- at the end of the day, we signed the credit agreements and the creditor can charge/take enforcement action when we make reduced payments. CCCS can give you great advice on how to deal with CCJs/charges etc, but they cannot make a creditor stop.
However, the most expensive, de luxe, committed fee paying DMC couldnt make a creditor stop either. So I cant see the point in paying a company to do what you can get free.
When I dealt with CCCS I found them helpful and knowledgable- they told me what creditors could and couldnt do- I would rather have this than have a load of lies about "dedicated teams working for me" (for a nice fat fee), because- at the end of the day- if a creditor wants a CCJ/Charging Order, etc- they have the powers to do it. By paying extra to fee charging DMCs I think all you get is a load of false promises.

SouthernSoftie

notallbad wrote: »

Thinking about that where do the CCCS stand on reclaiming bank charges or PPI, think I might have missed it but I don't recall hearing alot from them in this respect,

No, unlike all the DMCs who can 'offer' to 'help' me claim those back too..... and again take a big whack of it for themselves, when that is very easy to do yourself too...... oh and then keep phoning and phoning to try to persuade you to give them your whack even when you have explained to them you are not a fool and can write a letter!

I've had 5 phonecalls tonight all from a referral company to DMC's, each time that familiar Welsh accent starts to tell me it is not a sales call.... and each time I stop them in their tracks to say that they keep saying they will remove me from their database.
5 calls, from the same company in less than 2 hours!