Ask a CCCS counsellor a question

Kron

Thank you ever so much for your replies and help. I rang the co-op today and they were so helpful. They've given me the account number and sort code so hopefully the wages will get paid into there.

Karen

poohbearmufc

Hi, I start my DMP 1st November. The only debt I haven't included is a loan attached to my mortgage. Is that alright? I really don't want to rock the boat with my mortgage company....

Any advice please??

Nikki

hula-hoops

Hi there

I have sent off to start a DMP with CCCS. My problem is that part of my income is commission. I work in sales and am paid a basic plus commission if I meet my sales targets (which I have managed to do every month for 9 years now) and a bonus for being a 'star performer' (which I sometimes get).

I have put my income as my average monthly take-home pay but what happens if I have a really good month and make a lot more commission? Do I need to pay it to CCCS for them to throw at the debts or do I just keep it for myself? I have got to the stage where I just want to clear it as fast as possible so if I make a bit extra I want to use that to pay off some debt rather than buy a load of clothes!

Toffee_Penny

We are on a DMP and we have had letters from DCA's telling us some accounts have been 'escalated' to them or one of the creditors has 'passed' it on to them to deal with (although the language they use isn't really clear)

I know some could be from the standard in house collector but shouldn't we be notified officially from the creditor that a new DCA will be dealing with the account from now on?

It gets a tad confusing when you receive letters from several addresses for the same account, who should you deal with? If you receive letters from several places should you CCA all of them?

thanks in advance but this debt game gets very confusing at times

callywally

Hello,

I am starting a dmp with cccs in nov. I have recieved a default notice from a creditor. What should I do next?
Thanks

sarriep

Don't worry,you should expect your creditors to default you. I think it's a good sign and a step towards them possibly stopping the interest. It sounds scary but is what happens when they don't get their money!

sylviemylove

Hi I have been on a dmp for 4 months, it's actually been lovely to feel like a human being again, being able to make my payments...
I owe 1700 cc to Abbey and 13000(gulp) loan to A +L. I got a default notice from a+l this morning saying if I don't pay the rest of the loan now they will take me to court.

My baby is due in 5 weeks and I am terrified. I haven't missed a payment, and while it's nowhere near the whole amount I have been paying 35%.

What will they do?
What should I do?
Should I contact them? They say they strongly reccommend that I do.

Sorry I know someone just asked this but I am so bloody hormonal and tearful. Also my DH doesn't know about my situation (I know I know it's stupid) and I am terrified that bailiffs will suddenly show up while I'm in hospital.

Thanks.

sallyjo_2

Hi,
I am a CCCS client and one of my creditors is Halifax bank. I received a letter from them this week, usual probably mass computer generated to all of their debtors with special arrangements with a full demand for the entire amount I owe. I usually reply to remind them of my DMP etc, and I have done so. They have always accepted the DMP and apart from their harrassing phone calls which I now know how to avoid, it has been manageable.
However, I wonder, and worry, that with their current situation and exposure, whether their response to debtors in trouble might change and they will become less sympathetic and try to seize every asset they can.
Is there any activity amongst other CCCS clients that indicate this change in direction by Halifax or other of the banks in trouble?
Thank you.
SJ

sallyjo_2

Hi,

After sending my question above, I found the front page headline in the Sunday Times today re banks exploiting a loophole and increasing their issuance of charge orders for credit card debt arrears, forcing the sale of homes to pay the smallest of debts.

Is anything being done to close that loophole? especially with all the press about protecting homeowners? Has CCCS taken a stand on it and what strategy should a homeowner take if a creditor tries this, even if they are being paid regularly on a DMP basis.

Thank you.

fuzzypeg

Hi I hope someone can give me some advice.

My husband owns (has recently bought) his company and we scraped together funds from loans, overdrafts and credit cards, which we are now struggling to service as the interest rates have all gone up.

We are seriously considering entering into a DMP but can anyone advise if the DMP would consider the business as an asset and demand it be sold to clear the debt? And is it even possible to enter a DMP if you are a company director -are the two compatible?

DH is unable to remove funds from the company as yet, until the previous directors have been paid off, which will take at least 2 years.

Please help, we do not know what action to take