spectrum

fuzzgun19

toffee wrote:

ok sorry my mistake it wasn't the debtline i rang it was cccs,made that many calls i don't no who or when i called people.Because of the long wait with cccs i've had a good look at the debtline website and used a letter of there made a few charges and i'm attempting to sort this myself in regards to getting the intrest stopped a offer of a token payment fopr 6 months but if things change by then i'll be in touch with them.So really just need to wait now and see what happens if i have joy with this i'll ring cccs up and cancel my appointment with them.

I wish you good luck with your letters.
I did this myself and all but 1 of the creditors were fine about 'doing it myself'
and i'm now well on the way to paying it off!
So my experience is proof that the DIY repayment plans do work.

Entrepreneur_en_faillite

toffee wrote:

So really just need to wait now and see what happens if i have joy with this i'll ring cccs up and cancel my appointment with them.

Wouldn't hurt to keep the appointment as they may be able to offer further help

2 heads are better than 1

toffee_2

Entrepreneur_en_faillite wrote:

Wouldn't hurt to keep the appointment as they may be able to offer further help

2 heads are better than 1

well i won't cancel it yet till i've heard back from all my companys first,if it's all good news from them i'll cancel the appointment then someone else who's in trouble can have the slot

toffee_2

Ok been a while,i've had a few replies to the letters and some say ok they'll take my offer of payment others have just said no.I've been in touch with the bristish gas energy trust like the cccs adviced me to and they've awarded me over £800 for the gas and electric.The cccs said if i can get this that will make more money avaliable for them to help me.Now it's been a few months now and i'm still looking for work,i can't see bristish gas reducing my payments has you no the prices have gone up and i wasn't paying any extra on the gas per month anyway.

What i'm wanting to no all our debts are unsucrured debts,if we went for bankrupy what would happen e.g would they then start to take stuff from us to pay the debts.We live in a council house so they can't take that from us my cars only worth a grand at the most.Or would we still have to pay so much back.Any advice would be great has we just can't pay what they want anymore,if i could find a job then yeah we could start paying them.The problem is where getting late fees,intrest and charges for going over the limits which then puts us in a worst state than where in now

toffee_2

Ok just a quick update i'm still out of work phone calls coming thick and fast,letters demanding full payments,long phone calls trying to get them to except reduced payments from me yet one spot wanted a min of £200 a month !!!!!!.Anyway I've had no joy cccs can't help me because we don't have enough income ect so i've been to the citierns advice and there starting the ball rolling for bankrupty,just waiting for a appointment with the money advisor and the best thing is there applying to the british gas trust fund for the fee's for the bankrupty,i didn't want to go down this route but we've ended up with no other options