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Ask a CCCS counsellor a question
Comments
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Markymarky wrote: »Thanks Sarah, appricieate your help. Whilst I fully appricieate that I should be paying off as much as possible to creditors (indeed this is what I want to do!) is there a line somewhere between sacrifices to pay creditors (again, appricieate that I need to make sacrifices) but also still having hobbies etc? Or is it down to what the level of funds I am distributing to them?
Thanks again,
Mark
Hi Mark,
In your budget there is a sports, hobbies and entertainment section where you will be able to allocate the money. If this area is reasonable compared to the rest of your budget this may not be a problem, however if this is large in comparison this is where you may find creditors questioning your figures.
SarahI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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CCCS_Sarah wrote: »Hi Mark,
In your budget there is a sports, hobbies and entertainment section where you will be able to allocate the money. If this area is reasonable compared to the rest of your budget this may not be a problem, however if this is large in comparison this is where you may find creditors questioning your figures.
Sarah
Great, again thanks Sarah. Making more sense now. Whilst I don't think it will be excessive to use my hobbies money towards it, guess I will have to wait and see how the numbers come out to be 100%.
Keeping fingers crossed, dont really want to have to sell her, I enjoy laying under her on a cold driveway getting muck in my face whilst I work on her!0 -
icecube2009 wrote: »I dont have a start date yet, just received my letter from CCCS yesterday & am in middle of filling in form to send back (with pay slips) so can I request a start date? maybe put a letter in with it???
Thanks
A letter would be fine, there should also be a contact number in there for the support counsellors so you could just give them a call and they would write a note on the system.
Good luck with your dmpI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Just wondered this judgement is on my credit report, I am paying £50 a month off tis debt but the actual debt doesn't appear on my report and the figure I owe never changes, where would I find out how much I still owe and how long will this show on my report for?
thanks in advance, sorry about the odd text not sure whats going on!
Judgment
Date:13/06/2005Court:BRADFORD COUNTY COURTCase number:Amount:£9,937Information Source:Registry Trust LtdNote:If you have paid a judgment you should contact the court and make sure they are informed. You may wish to request a Certificate of Satisfaction as proof of the change. We will be told that the judgment is satisfied and we will update our records. For further information please see the Report Guide.
A CCJ would stay on your credit file six years from the date of issue. Anything after the six year period the creditor could reapply for it to show on your file on a rolling year by year basis.
You would be able to get the balance from the creditor or solicitor that is dealing with the accountI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Markymarky wrote: »Great, again thanks Sarah. Making more sense now. Whilst I don't think it will be excessive to use my hobbies money towards it, guess I will have to wait and see how the numbers come out to be 100%.
Keeping fingers crossed, dont really want to have to sell her, I enjoy laying under her on a cold driveway getting muck in my face whilst I work on her!
:rotfl: Fingers crossed!I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Had an OD with First Direct and have had no information as to how much of the money owed was bank charges.have requested information but not received it. The debt was sold on to a Moorcroft Debt Recovery that took the £1 to provide details of the amount assigned but never gave out the information. They therefore said the account was in dispute and they would take no more action. I have heard nothing further from First Direct or Moorcroft.At no time did anyone inform me that the debt had been sold on
Today I got a letter from Equidebt who claim they have been instructed by HSBc (ie 1st Direct) to collect the money. it adds 'One of our debt collectorw will be contacting you either at home or place of work to arrange payment in full'. They require payment ' in full by no later that April 8 2009' The letter was sent 2nd class post.
I still don't know how much of the amount is disputed charges and I still haven't had a letter confirming the hand over agreement. Any advice please?0 -
I will be graduating in June and will be applying for a professional job. My point of concern is whether there will be any problem for in finding a job for me if I am on DMP? Does this DMP affects negatively in a search for seeking a professional job?
Regards0 -
My bankruptcy hearing is tomorrow, very stressed and very nervous!
I'm filing for bankruptcy alone as all debts in my name but I'm worried the courts will think my husbands contribution is too low, he contributes half towards essential household expenses (rent, council tax, food, gas, water, elec etc) but anything for the kids is my responsibility (he has kids of his own to buy stuff for) can they make him contribute more? And do i include his total wages in my SOA or just the part that he contributes?
Also, can you advise what things are realistic for on a SOA? Obvioulsy i know about including rent, council tax ect but I'm struggling with what else to include. when i remove all my debts out of my monthly budget it looks like i have a lot left to paycreditors but i know if i pay it all out in that way i still have nothing left for anything i havent budgeted for (clothing, birthdays, xmas, car repairs etc) and that is exactly how i got myself in this mess!
how much is a realistic budget for clothing (family of 5 - 3 kids aged 12,14,16) what about a realistic budget for if household appliances go wrong? car repairs? am i allowed a ciggarette budget? am i allowed a xmas & birthday present budget? I dont have breakdown cover for the car but i am disabled and could do with it really so can i put it on my SOA as i have the intention of getting it once i have sorted the bankruptcy?
What other things should be in a SOA?0 -
crazyfr!!!39 wrote: »My bankruptcy hearing is tomorrow, very stressed and very nervous!
Hi.
MSE has its own Bankruptcy help forum. Please feel free to pop over and post there as well.
Link
> Bankruptcy & Living With It
There are plenty of people there in the same boat, and who can help you through this.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Please help, I have been struggling with my debt for a long time now and although i have been a silent reader on the forum for a while now i have never really got much further.
The situation now is that i have used all my saving just to pay off my monthly payments and this month have nearly used up all my overdraft so far.
i dont know what to do now, especially as my husband is very likely to lose his job in June through redundancy. Please help0
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