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marfan_not_martian

suzie7711 wrote: »

We have managed to get into financial difficulty and have been advised by out bank to contact a company called Pay Plan. They have recommened a debt management plan which they say is a free service. They will contact our creditors and agree a plan which will allow us to pay back what we can afford, from what I can work out this is a precursor to an IVA. My questions are Do you know if they are really free and do you think this is a good route to take.? Many thanks

I have just started a DMP with CCCS and they dont charge a fee for setting up the DMP. if you go online www.cccs.co.uk and fill in their debt remedy details it will tell you if a DMP is suitable to your needs by completing the debt remedy you are not signing up to anything it just helps you know if it is suitable for you. If you then wanted to go ahead with the DMP with CCCS you could do.

good luck

o99

suzie7711 wrote: »

We have managed to get into financial difficulty and have been advised by out bank to contact a company called Pay Plan. They have recommened a debt management plan which they say is a free service. They will contact our creditors and agree a plan which will allow us to pay back what we can afford, from what I can work out this is a precursor to an IVA. My questions are Do you know if they are really free and do you think this is a good route to take.? Many thanks

Yep good company either them or CCCS, it's not formal where an IVA is.

Good luck.

dizzie101

hi there

i am all new to this. i had a debt management plan with debt stop direct but they never paid anything to my creditors. i have filled in the forms online for yourselfs and have stopped my plan with this them as i do not want to give them anymore money.

i got a calling card from halifax today saying that one of there representitives will be calling at my home on wed i advised them i will not be in but they didnt seem to care.

what do you suggest i do?
and what is a representitive? if thats a baliff i thought they had to take it to court before a baliff could arrive?

please let me no asap

thanks

xyzylt

A company called 1st Credit have sent me letters about a debt of £249.00
which I am supposedly have from a company called CashEuronet UK. I have never heard of both companies and do not have any debt.
After receiving their second letter i responded by sending a £1.00 postal order and a letter informing them I do not have any debts with them and asking them within the 12 +2 day to substanciate their claim.
That deadline has now passed , they have sent a further letter asking me to pay by installments and also saying that it may take them a month to produce the debt document.
What should i do next? My thoughts are to send a letter to the FSA,OFT,Trading standards and the local CID. any advice would be welcome.
All my letters are recorded, they do not have my telephone number or email address. thanks for any advice you may offer.

Floating_2

Hello I hope someone can advise me......

I was in a dmp with a charging company from Nov 06 until Oct 08, I then went to my local CAB and have been working with them. CAB have helped me to to a financial statement and agree lower payments with my creditors. Due to a relative being able to help me, I am now in a position that I have made settlement offers to all of my creditors. Two of them have accepted and I have email copies of the acceptance letters and I am just waiting for the hard copies to come by post. The others have rejected my offers and I want to ask them to reconsider due to the 2 settlements being agreed. However as the creditors that have agreed have not yet had payment I don't know whether I should reduce my total debt on my letters to what it will be when they are paid or leave it as the total it is at the moment?

Sorry I hope this makes sense!! :eek:

enzorocket

Dear CCCS.
Looking for a bit of advice - ive typed a slightly long winded post below which should give you an idea of our current position.

We have been on a CCCS debt managment plan for over 2 years now. Unfortunately early last year HSBC (First Direct) decided that they were going to pursue a charging order on our property. Last March they sent relevant papers to the court and after our first hearing it was decided that their wasnt enough evidance / paper trail to authorize a charging order. The hearing was adjourned and represented last November. HSBC didnt turn up for the hearing and the judge decided not to allow the Charging Order which we are very pleased about.

Recently Ive been looking at our credit file and noticed we have had a CCJ posted against us by HSBC, which occured when they decided to go for the charging order. We are deeply concerned about this as we are due to remortgage soon and am worried that the bank will decline due to the CCJ.

We feel that the CCJ shouldnt have been issued as we were already paying an agreed amount to HSBC / First Direct through the debt mamangement plan agreed by the CCCS. The CCJ now means that we are paying an amount to HSBC for the term of the loan, which is detrimental to them as when some of our smaller creditors get paid first, the remainder of the monies would have gone to them anyway. I was wondering if you thought we had a good enough argument to have the CCJ set aside?

Would yo have any advice on what we can do next?

Many thanks.

grrbtn

Could you please clarify something for me ? Is it true that a company can not a pursue a debt that is over 6 years old and if so does this include HP loans and student loans?

topbadger

Only if, during the past six years, you have not made any payments and they have not contacted you at all. I assume this is response to last night's 'Watchdog'? That statement they made about not being able to chase debts that are more than six years old was pretty misleading!

livis

Dear CCCS,

Can you help me with the following question please.
I have a DMP which you administer and i would like you know do you recieve statements from the Debt Collection Agencies re debtors individual accounts.
I know i receive a statement from you each month but it does say estimated balance on it, which worries me.
I am looking for total clartiy and transparancy of what i owe and how that debt has been made up.
e.g have the agency been adding charges, fee's interst etc.
How would i go about finding this information out.
many Thanks

asta88

Hi

Can anyone help? I ordered a new mobile online from the company 3 in Dec 2007. This was t o be a christmas present and was on a contract. The phone arrived around the middle of December and I quickly looked at it to see it was okay then wrapped it up. When the phone was first used around 28-29 December we had trouble getting a signal, due to the then emergency addmission to hospital with appendisitis the phone was left till after the new year. I contacted 3 and was put through to their technical support, very nice guy tried a few thing then asked me for my postcode and confirmed that 3 could not provide me with a signal at my address .

3 were not interested in cancelling the contract as it had passed the 14 day return ruling dispite having all the information. I have since Jan 2008 had 3 and then two seperate debt companys contacting me regularly by both phone and letter. My Experian report states two entries from Hutchison 3G which are settled then one with a £51 default for over 8 months. This has affected my ability to obtain finance for a new car which i desperatly need. Is there any way I can have this removed from my credit file. I still have the phone in its box and have asked 3 several times to uplift it!