Ask a CCCS counsellor a question

MissKJ

mmellows, I don't think you will get an answer until tomorrow from a cccs advisor, but if it helps, the court can't and won't order you to pay more than they think you can afford. The creditor must be disputing something on your budget allowance? I dont think you should worry too much unless you are hiding some income or claiming excessive expences.

givemeaname

Hi i don't know if i'm in the right place. I ran up a £950 credit card debt with MBNA and a £2000 loan with RBS 9 years ago. I never repaid any foolish i know. I have not heard from the loan for a few years although i recently got married and moved house and i received a letter from link financial ltd asking for payment of the £950. Do i have to pay this? Will my house be blacklisted? and will this effect my wife in any way?

Thanks

jusumgeezer

CCCS_Matthew wrote: »

Hi there.

If you completed Debt Remedy, you should always be offered a solution if you've followed it through to the end. If once you've got to the end you must select the option that you've decided to do in order for us to send the relevent paperwork to you.

So if Debt Remedy suggests a DMP, then you must select it on the end screen. If you've done this and still not had anything from us drop me a PM and I'll look into it for you.

Take care
CCCS

Hiya,
Just submitted the form again & it said, you need to give us a call to discuss it fruther? no mention of DMP or anything as you mentioned above?
I hope I put all the info in the correct boxes, it gets confusing who is owed what when the companies keep changing:(

catwoman150

Quick question if anyone can help?

I have started a self admin DMP on the 1st of October. I cancelled all of my dirct debits in sept as soon as most of my credit cards have been paid. Ionly have included my credit cards as they are my debit and the only people that I owe money too. Most of the card payment were coming out at the start of the month apart from one MBNA. I cancelled that direct debit and I gave them no money till I start the DMP on the 1st of Oct. Now my question is are they a month behind in getting any payments from me? I have had loads of letters and phone calls from them and I have explained to them that I have no more money to give them. At the mo they are not listening to me. The next payment date is on the 1st of Nov. Is there anything that I can do. Aegis have also sent me letters and phoning me to collect this debt on behalf of MBNA as well.

louloujs

Help

The Newman & Co heavies (DCA for AMEX) are being really aggressive and I now need to put something in writing to them (sent other self admin dmp letters on Monday) but I wonder if I could write to Amex with CC to Newman & Co or if I should just be dealing with Newman & Co. They are so awful. I have been told my file will be passed for Statutory Bankrupty proceedings to begin imminently. Help, what do I do. Bankruptcy is not good for me owing to property etc.

CCCS_Matthew

michaelbourne70 wrote: »

Firstly a big hello to everyone, and i hope i'm in the right forum?
The problem is that i received an alert to my credit file this morning. I checked my file to find that a Default notice had appeared from a debt company called HFO Services Ltd. The debt was a Bank debt totaling 2,098 and that the default occurred on the 10/12/05. I have no knowledge of any debt to the said company or received any corresspondence from them what so ever. I think the debt relates to an agreement i had with Welcome finance, which i assumed had been settled.( I had finance with the company whilst i was employed, however had to finish through poor health and have not worked since. I explained the situation to them and made reduced payments which someone used to come out and collect. This lasted a few weeks and the caller then ceased coming out. I assumed that because i took out the optional insurance with them that because of my illness this had come into effect.(More fool me)Surely they cannot issue a default notice without even informing me, and why such the long wait, ive been at this address for 5 years its not as though they couldn't find me.

Any help on this matter would be gratefully apprieciated. Thank you.

Hi there.

For a creditor to issue you with a default notice, you must be given written confirmation beforehand, as the Consumer Credit Act 1974 states you must be given seven days to pay the debt in full in order to prevent the creditor lodging the default notice against your credit file.

If you are sure you have not received any default notice through the post, your next step is to write to the creditor in question asking for proof that they have issued the notice. If they cannot prove that the letter was sent, or that they admit no notice was served then you could then request that they take the default notice off your file as they would have broken the CCA 1974.

So I would take it from there to start with, let me know if you need any more help.

Regards,
CCCS

sandywindsor

Hi,
I have forms regarding repossession, do I need to attend the hearing as I do not plan to contest. The hearing is on the 25th November,what will happen next?

thanks

Sandy

jo32143

Hi All

I recently contacted CCCS because my hours were cut at work and I have just over £8000 in debt that I cannot repay. They have recommended a DMP but I no nothing about what happens with this. They said I will have to pay them £51 a month. I previously contacted Churchwood who wanted £150 a month !! I cancelled that when I read the bad reports on this site.

I owe the following -

Shopacheck £750
Provident £700
HSBC £1200
Nat West £500
Everyday Loans £4000
Capital One £460
Vanquis £260
Money Shop £700

When I rang to cancel churchwood I told them I was using CCCS instead and they said don't cos they don't freeze interest or stop charges being added. Now I am worried that my debts are just gonna mount beyond belief.

Please advise

Jo

CCCS_Matthew

MissKJ wrote: »

Hi, I am just about to start a DMP. If I ask for the CCA from my creditors, will this delay the start of my DMP? I just want to get started and sort out my debts,but I also want to make sure that I have been correctly dealt with under the CCA by each of them.

many thanks

Hello there.

It depends on why you're requesting for the agreements. If you are requesting them because you are disputing whether you owe the money, then I would certainly advise putting the DMP on hold until you're sure. Otherwise, it shouldn't really make a difference if you are happy you owe the money they are requesting.

Regards, CCCS

CCCS_Matthew

mmellows wrote: »

I received CCJ from the Northampton Court dated 24 Sep over a debt of 4370 I have with HFC. The court ordered me to pay £20 a month after assessing my ability to pay. (The first payment was due last week and I sent the payment off, it was received on time and has now been cashed. I have proof of all of this.) Since then I have had a re determination notice sent to me from Reston solicitors which says that they basically dispute the original amount ordered by the Northampton Court and have transferred it to my local court . I have only just got back off holiday to find this re determination is on 3 Nov. I am able to afford the £20 a month but have 2 other CCJs which are up to date and haven't been challenged by the creditors and two other payment plans with other creditors. I have not defaulted on any of these payments. I tried to phone Restons but the man I spoke to was not helpful and basically told me that I should see him in Court. I amgoing to the court but am anxious to keep the repayments at £20. I am also concerned that they might try and go for a charging order although I haven't received any such notice. I have copied all bank statements, mortgage statemets, CCJs with proof they are up to date and agreements with the other creditors together with payment proof. I will also be stating that in 17 months time I will be able to clear my debts totally with my lump sum on retirement. Am I on the right lines.
Any help would be gratefully received as I am losing sleep over this one.

Hi there.

It's important that you express the fact you have to be fair to all of your creditors. You can prove that your other creditors have settled for small payments through a CCJ, so raising payments on the newest one means you would really have to increase payments to everyone else, which is something you cannot do.

If you can also explain that you will be able to clear the amount in full in 17 months, it shows that the situation you're in now is not long term. This would also put you in good stead should they attempt to obtain a charging order.
I would say your in a good position in that respect, and assuming that your expenditure figures are reasonable there should be no reason why the judge would make you pay more. Obviously I cannot say for sure what will happen, as it's always down the discretion of the judge on the day.

Try not to worry, and let me know how you get on.
Matthew