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debtmuncher

question
we have missed this months payment due to needing car repairs (and have spoken to cccs previous to doing htis). have recieved a letter from one of the creditors asking us to submit income/expenditure forms that they have sent . whats the correct way to go about this? ignore it and inform cccs?
advice very much appreciated...tia

CCCS_Alan

debtmuncher wrote: »

question
we have missed this months payment due to needing car repairs (and have spoken to cccs previous to doing htis). have recieved a letter from one of the creditors asking us to submit income/expenditure forms that they have sent . whats the correct way to go about this? ignore it and inform cccs?
advice very much appreciated...tia

Hi Debtmuncher

If you have made a low token payment for this month the creditor may think that your situation has changed even though its just a temporary reduction. The best thing to do is call the number on your monthly statement to discuss the letter with us, and if required we can send them a copy of your details to the creditor in question.

Regards

CCCS_Alan

carolneedshelp

hi
i am thinking of taking out a dmp and am trying to find out the down sides:-

1.are there any
2.how does it affect you credit rating,
3.do future mortgage applications ask if you have ever had a dmp and therefore refuse you,

thanks in advance of any help i get

carol

CCCS_Alan

carolneedshelp wrote: »

hi
i am thinking of taking out a dmp and am trying to find out the down sides:-

1.are there any
2.how does it affect you credit rating,
3.do future mortgage applications ask if you have ever had a dmp and therefore refuse you,

thanks in advance of any help i get

carol

Hi Carol

If you enter into a DMP you will be making lower payments to your creditors and this will affect your credit rating as you are not making the contractual repayments each month as you agreed.
This could possibly lead to the creditor issuing a default notice which would go on your credit file for 6 years, and creditors if they are unhappy with the payments made could consider going through the courts for a CCJ against you.
It’s difficult to say what mortgage providers will ask on any application form but they will normally asses your income, current commitments and credit files to asses if and what they can lend.

If you would like advice contact our helpline free, on 0800 138 1111. Lines are open Monday to Friday 08:00-20:00. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Regards

CCCS_Alan

worriedsinglemom

Hi

I have an appt with CCCS in the morning. However I have just come across this and was going to fill in the debt remedy to see what to expect. I get to the 2nd page asking about bills ie rent, tv licence etc but wont let me get any further. A red asterisk keeps coming up asking for me to fill the field in to say whether I am up to date and all the fields are filled in.

Any ideas?

CCCS_Alan

worriedsinglemom wrote: »

Hi

I have an appt with CCCS in the morning. However I have just come across this and was going to fill in the debt remedy to see what to expect. I get to the 2nd page asking about bills ie rent, tv licence etc but wont let me get any further. A red asterisk keeps coming up asking for me to fill the field in to say whether I am up to date and all the fields are filled in.

Any ideas?

Hi Worriedsinglemom

All that the system is really asking is if you have arrears on a priority payment as they would have to be addressed before advice can be provided. If you are up to date just click the yes, if you are not click the no and you will normally be prompted to contact an advisor to discuss and address the arrears.

Regards

CCCS_Alan

lovelybirchtrees

Hi
I have been on a DMP but am partly self-employed and trying to figure out what I can expect when my circumstances change - they are probably going to do so in the next month or so unless I am very lucky. I have been trying the number given when I tried DebtRemedy but answered I was self-employed. However all I ever get is that the number is oversubscribed (or words to that effect) and asked to try again later. I have now done this several times. Is there a good time to call to possibly get through?

Flyboy_3

hi,
Can anyone here point me to the correct page? My wife and I are making regular payments to a debt collection agency and they are now starting to make threats about 'action' if we won't increase payments! We have today asked them to clarify what they mean by this. Also, they threatened this 'action' if we did not supply an update financial statement within 5 days!! Can they do this, and what actions can they take, even when we're paying regularly? We're in Scotland.

Thx in advance.
Flyboy

fanchon

Hello

I have written to my 3 creditors offering reduced payments using the formula to work out payments, with my expenditure and income form, and have started making the payments.

I had a letter today to call Alliance and Leceister to discuss my offer which I did and had quite and interesting conversation which I would really appreciate thoughts on.

1) I asked them to put a stop to their debt collection company Aegis phoning me constantly as I find it pretty harrassing and intimidating to be called I don't know how many times a day. the people at the other end of the phone just do not listen and go on and on about me making the payment and how this will effect my credit file etc no matter that I tell them I do not have the money. A & L told me they cannot stop Aegis calling me and that in fact what most people think is harassing is actually what they have to do legally ! ( ie they have to call a certain amount of times a day to prove that they are trying to reclaim the debt.

2) A& L adivsed that I get a consolidation loan ( I have 3 creditors with debts totally £38,000- yes I know I have been a complete idiot and feel very embarrassed and ashamed at my money mismanagement)

3) A&L said that they can't possiblyconsider accepting or thinking about a reduced payment plan until I have stopped using the account for at least 3 months- the last time I used it was Jan 12th to buy weekly groceries at Sainsburys. However they can start to help me by stopping late payments fees if I pay off the arrears that have started to accrue becuase I have started to pay the reduced payment that I can afford of £60 a month. I told the chap that I just do not have the money and he said ' well we can't help you then'- this seems rather harsh

Re: RBS - I can't even get them to reply -they are my largest creditor by far ( £24K on a personal loan). I have sent 3 letters incl. income and exp and a reduced payment offer of £200 a month, and haven't had a reply. I have phoned my local branch 3 times- each time told that someone will get back to me but they never do. I don't even know where to send the reduced payment amount ! Any advise pls

Sorry this has been long message but I am a newbie poster and feeling pretty anxious about owning up to my stupidity
Thankyou for any advise / support that can be offered

Fanchon

Rumpleteazer_2

We have a DMP with CCCS, but one of creditors, GE Money, are saying that they will not accept out offer and that they will ultimately take action to recover the car that we bought with the loan. Can they do that? The car is not on HP and I can find nothing in the small print to say they have this power.