Ask a CCCS counsellor a question

paulmyth

Hi, My mum has a telephone appointment with you next week but I have a few questions before that if you can help:

At the moment I am paying all her bills, which costs me all my wages of £800 a month but we arent able to carry on doing that any more. She is presently claiming Bereavement Allowance of £90 a week (she turns 60 and will get a pension of approx £160 a week in July).

Based on her income only (£90 a week at the moment, and £160 soon), that wont leave much at all to pay her debts that are in total £29,000.

My questions are :

I have read in this forum that you recommend people to pay 3 percent of their total debt to you per month to distribute towards their debts...is that right???

Hopefully that isnt true...I just really would like to know approximately what sort of payment plan you may make with her, based on her (at best) weekly money of £160. With gas, electric, food etc coming off, she might only be able to afford £50-£100 per month to send to you on a payment plan.

Would that sort of payment be something that you could successfully negotiate with her creditors??

Hope you can advise,

Paul

ladyday

I have just received the first lot of paperwork from CCCS after completing the Debt Remedy on your website. I will be sending it off to you tomorrow so hopefully you'll receive it on Monday 30th March - does this give you enough time to process everything for me if I put that "my DMP is to begin in May" on the Notification of Debt Management Plan letters I send out to my creditors ?

Also, do the creditor statements and benefit letters I send to you need to be the originals or copies, and do I receive them back ?

Thanks for your help.

JWM

Hi, I have a complicated situation. Is it possible to go on a DMP but not include one CC debt? The card won't be used I'll just pay off the min, but for various reasons I want to exclude this one card. Can I do that?

If not, what happens if I just don't tell CCCS about it? Do you credit search to find all of someone's debt?

Would like to add that I'm not trying to pull a fast one, just have a non-standard situation.

Thanks

Craigyh

Hi,

I'm currently on a DMP with yourselves and everything is going well aoart from Halifax who have now started getting funny. They have for the past 6mths started adding charges & interest again which has put me in a worse position than when I started, they have ignored anything I have told them, I have informed them I was with the CCCS and they were receiving payments, I have sent them my budget 4 times each time they refuse to acknowledge receipt. They have now passed the debt onto a DCA, what do I do now, do I ring the DCA to inform them off my DMP? I'm at a loss as what to do,

Thanks in advance

tamara1

Hi, At the moment I have £7,500 loan with Natwest. In total I supposed to pay out more then £10,000 (loan & interest). However I can see that quite a few banks and even Natwest offer loans with much less interest. How could I swith my loan and pay less interest? I have avarage credit score. Thank you

Starburst

Hi Sarah

Id like to ask you a few questions. By looking at the link for debt help on here, im not actually in a 'debt crisis' in the respect that i havent missed any payments. However i have been borrowing money off my parents to pay some of the minimum payments so without their help i would be in a 'debt crisis'.

So ive got loads of Credit cards, a mortgage, and a loan which finishes next january (£225.00 pcm better off them) i havent defaulted on any and i wont because my income is steadily rising, so by end of june i will have enough income to comfortably pay my outgoings.....
EXCEPT for the problem overdraft... Halifax gave me an overdraft of £3500, then a £3.75 DD took it over and i got charged, told then i couldnt pay it, anyway to cut a long story short they have put £500 charges on the account, i rang them to arrange to pay it back but told them i needed to access most of my wages otherwise my dds would bounce and id have to pay more charges, they agreed if i paid in £510 by 15th march, thats passed and i havent been able to pay it in, simply havent got it and my parents couldnt lend me it because theyre going on holiday and just paid for it.
Phoned again to make another plan and they told me that there was a letter in the post and id have to make arrangements to pay the whole £4000 back at at least £400 per calendar month, well i cant afford that, what can i do?

Will cccs be able to negotiate a more realistic arrangement for me? jsut on the overdraft, or am i forced into a IVA, bankruptcy or a DMP, which i dont want as i think theyll be on my credit file and i want to apply for another mortgage over the next few years.

I should add that ive stopped my wages going into that account and opened a new account, so that i can pay my dd's, and avoid more charges.

Any advice is greatly appreciated.

icecube2009

I have just set up a DMP with CCCS (on line) but am not sure of the next step, it sent me a copy of the debt Remedy by email & said I would hear something in the post. I have read on this thread that I am suppose to stop payments (my first one on this month being due in a few days) & send just £1 token payments to the creditors, and assumed CCCS would give me some sort of template letter to send out with the token payments, but not sure about this, can someone advise me plaese, or does someone have a copy of a letter I can send out please, Thanks

Dizzymum_3

Hi not quite sure how to explain this but ...

When you list your Creditors for a Debt relief order, what would happen if between applying for DRO and OR making order, the creditor sold/passed on the debt to another company?

ie: if i listed joebloggs and co and when OR contacted joebloggs and co they said no sorry debt not with us anymore, what would happen? would OR be able to follow debt or would it not be included any more in DRO.

Thank you

SPskint44

Hello, i hope you can help as I'm feeling a little disheartened!

I've received a letter and a termination notice from Barclays as they do not accept the amount offerd on my DMP. Should I phone them and discuss it or just leave it? If it is passed to a collection agency will the collection agency accept the payment from my DMP? I'm a bit worried that there's still a while to go before nay payment gets made as my DMP starts on 1st April.

Also I wondered if there is any way to change the amounts? I know it's all been worked out properly but Halifax seem to be getting more than the minimum monthly payment from my DMP (£51 instead of £45). Could you tell me if this is right?

I understand you get loads of questions but any advice you could offer would be much appreciated!

Thanks in advance.

CCCS_Matthew

crazyfr!!!39 wrote: »

Hmm.... By the time i get to the post bankruptcy interview it will be too late to stop them cancelling my contracts wont it?? any suggestions as to how i could work around this? I'm not planning on telling my son anything about the bankruptcy but he would notice something going on if his phone was suddenly cut off!

It may sound trivial that i'm worried about mobile phones but i'm disabled and need to be able to contact someone if i fall or breakdown in the car etc. My son needs a phone so i can contact him. i dont pay for his contract, he pays it himself out of his weekend job wages- could this fact make a difference to one of the contracts? do i even have to mention this 2nd contract with me not paying for it?

As long as there a good enough reason for you to keep both contracts then I'm sure it won't be an issue. One of the main reasons for having the telephone interview with the OR is to discuss these kind of things. The OR will not simply cut the phone off! If you explain you recieve the money from your son to pay the contract I'm sure it won't be an issue.

Try not to panic!
Matthew.