Ask a CCCS counsellor a question

solaeclipsx

hi i could rilly do with some info its regarding council tax we have been told that as our ex landlord didn't pay it when we rented last year it is now up to us to pay it we have spoken to the landlord but he refuses topay the council say it our problem and dont want to get involvd in our agreenebt it says all bills included i just need some ifo on where to go now >

Moany_Money

Hiya,
I've been trying to phone the CCCS this morning, but keep on getting an engaged tone on all the lines. Anyone else getting this ?

flippy178

Yes, I've been trying for two days and only getting a message saying they are busy. The only time I got through was at about 3pm yesterday but was on hold for ten minutes and had to go as I was at work. I emailed last night so hopefully should get a response.

dig4victory

Among many queries is this one;

I personally have two credit cards; M&S and John Lewis.

JL = 3684 bal
M&S = 4608 bal

When I asked JL if I could do anything about reducing my min payment they would simply consider half the min repayment for 3 months then I would have to go back to full min repayments.

M&S said they won't reduce min payments but will turn the balance into a loan with various rates over so many years, eg; £61pcm for 7yrs, 2.5% fixed APR. They said a loan would have less of an impact our our credit rating than simply reducing the min payment.

I don't know if either could do more and if they are shafting me.

Any ideas before I actually sign the paperwork would be so grateful.

CCCS_Matthew

ricec50 wrote: »

Hi there

I have just started a DMP with the CCCS and Natwest Credit Management Services have pulled in all my accounts, which is understandable, but they have also pulled in all of my partner's accounts with absolutely no notice, including his personal loan. Can they do this??? He was, and still is, up to date with all his loan repayments (his loan is for a fixed term and in his sole name) and he had an authorised overdraft, so his banking history was excellent. We had a joint account just for household bills but that now has a zero balance, and they will be closing it soon (so they say). Are they entitled to do this? Even with a personal loan that I have nothing to do with? They gave me no notice to settle the joint account before they pulled it. It's a very scary scenario, and one which the bank manager in Natwest didn't even realise could happen. We spoke to the bank manager at our local branch & he rang Natwest Credit Management Services to ask if my partner's account & loan could be re-instated as his banking history was fine, but they said "no".
We had a £3000 authorised overdraft facility on the account - the balance was £917 overdrawn when they took the accounts, but they gave no notice, no letter giving time to pay the £917 before they pulled it, and no notice that our overdraft had been terminated. Sorry this is a bit long, but I wondered if you'd come across this sort of thing before in your travels.



Thanks so much for your help

Hi there,

This is certainly something I've never come across before. If the DMP is in solely in your name, this should have no effect on your partners debts. They are entitled to do it to anything that is in joint names including the joint overdraft, but certainly not the loan just in his name. Have they put his loan into default, or simply cancelled the DD from the account?

Matthew.

CCCS_Matthew

okeydokey wrote: »

Question for cccs advisor, I am currently having an IVA proposal drafted, i run my own business with partner also. We need to source a new business bank account but obviously have bad credit history and pending IVA, do you know of any suitable banks which may help us.

Hi there,

I'm afraid we don't have a list of basic business bank accounts. Have you perhaps tried speaking to someone like Business Debt Line? I would have thought they would have some information on business accounts that you can have whilst in an IVA.

Matthew

callywally

What happens if a creditor refuses the offer made on a dmp?
Ive been told to carry on paying for now but does this mean it will go to court?
I am not in a position to increase my offer at the moment, in fact it is a struggle to pay the amount I have been paying will be due for a review with cccs soon.
Am worried about going to court but cant pay anymore at moment so the only other thing is to go bancrupt then they wont get anything so I dont know what else to do as i really dont want to go bancrupt anyway.
Sorry to keep asking questions but I am quite worried at the moment.
Thanks

f1widow

Hi Ive had a problem with being served a CCJ (and my husband although his has not been received) without first having had default notice and court forms etc or any paperwork from debt collection agency that were dealing with this) First I was advised to go for an N245 form (sorry I should say I have received "Judgement for Claiment (in default) as judgement has already been served - I have now been advised that I need N244 by someone on debt wannabe forum I just wanted to check with you first I did try phoning actual court but could not get through (on hold for a total today of about 2 hours) - the N244 form seems so daunting - the company who we owe the money to has stated well they have sent all relevant documents and its my word against theirs that the letters have not been received - how am i going to prove this in court - am I just wasting £75 I really have not got because I dont know anyway of proving non-receipt. Apparently each time we were sent anything it is done in duplicate - I just cant believe if the paperwork was sent that neither my husband or I did not receive just one item.

Im so anxious about this (unfortunately have been off work now for almost 2 years with extreme anxiety and depression and its not something I can deal with easily)
Your help is greatly appreciated as Im getting a little confused.

jaja_3

Hi Matthew or Sarah

Sorry I cant find my last two posts - so in short.

The RBS took us to court in Northumberland without telling us date, the judge filed £700 per month despite our I&E saying we could not afford this, we appealed with the relevant paperwork to have the case referred to local court as per your instruction and received a date for the end of Feb. Meantime we took Martin's advice and requested a CCA with the template letter, heard back from RBS well within time scale stating they have mis-filed the paperwork and no longer have it so they cannot persue us for this debt. (Not forgetting the loan was forced on us with 'dodgy' means in the first place, and done over the phone with severe threats).

Today we have heard from RBS solicitors with further paperwork filed at the court to issue a charge on our property. OH is very distressed by this we are trying to find out what on earth to do next. Trying to phone CCCS but cant get through as yet.

Hope one of you is around to help, will keep trying the phone line.

Many Thanks

jaja

CCCS_Alan

Brandy29 wrote: »

Thankyou to the counsellor who answered my earlier question - you made me think outside my original plan and that has helped clear my mind.
We are to sell a second property and will in the mean time send token payment and then full and final settlement letters to our creditors.
I'm wondering though - do we send these to our overdraft creditors? Currently we get paid, overdraft is paid off, we spend, overdrawn again. We know that we have to offer them the same percentage settlement payment as the others when the time comes but would like to hang onto our current accounts as long as possible before changing to basics if possiblei.
Thanks in advance

Hi Brandy29

If you have other debts with your current bank that you will be making token payments too then you are at risk of the creditor using the ‘Right of offset’ to take funds from your account without your knowledge. By changing your account you will be ensuring that you treat all of your creditors equally and fairly. The new bank that you choose should be one that you do not have any other debts with.

Regards,

CCCS_Alan