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lisamummytoarchieplusbump

hello i have just done a debt remedy on the website and its advised me to go bankrupt so i rang cccs up to arange a phone call appointment as i really would like another option than bankrupsy.

i am currently in around £5700 debt with credit cards and overdrafts but my only income is benefits. i took out the credit cards and overdrafts when i was working, i became pregnant and while on maternity leave i got made redundant. i have been redundant since april 2006 i have managed to keep up the minimum payments( dont ask me how) but im really struggling now.

one credit card is now being refered to a solicitor
the other i am making token payments to till we can come to an arrangement for a deffinat payment plan
my overdraft is now being sent to a debt collector

i have requested a claim form for one credit card for the ppi insurance so that should take abit of balance off but not sure how much they said anything from 10% upwards

i have put in a claim for bank charges but because of the courtcase they are not paying the claim. the cccs adviser just said i maybe able to claim a hardship case.

im thinking of claiming for the credit cards charges but do i have to do the same as with banks ask for my statements?

one credit card said they wont stop the interest, but that was before i have become a client of cccs will that change now?

i have wrote out my monthly income and worked out my priority bills. i am canceling some bills like sky and bt and switched my gas and electric. and write out a strick budget for food
but im not sure what to offer them as i havent took into account things like birthdays and christmas budget

i want to pay off as much of my debts as possible but still have some for emergencies and birthday and christmas budgets or will that not be included

any advice would be helpful

CCCS_Sarah

sandywindsor wrote: »

i am an undischarged Bankrupt and the Trustee owns the property,i just wondered regarding the forms and if it was necessary for me to attend. I am
currently seeking rented property and hope to have moved within the next 6-8 weeks. I have read that possession is usually given 28 days after court hearing.Can you confirm/advise.

Sandy

If you are still in the house at the time of the hearing you would need to know how long you have been given to vacate the property, as this normally 28 days but you could request as an extension to 56 days depending on your circumstances.

So technically if you were in another property and do not wish to defend your case then you don’t need to attend, however I would always recommend that you attend so you know what is happening.

Hope this helps

Shell13

Hi there

Just after some advise really ( ..... I have a loan with Barclays that started on around £4,000 and after paying it for nearly a year - it is on £3,800 I cannot understand how this can be possible! I have asked them numerous times and no-one can explain this to me!

Also, I have a fair bit of credit card and store card debt and just can't seem to find a way to pay them off - even staying home every weekend and not going out does not seem to help!

Any advise / help would be greatly appreciated.

Thanks

badmark

Ive been paying some of my debts of f for over 15 years , all unsecured and have always kept in touch with creditors which to perfectly honest now probably seems a bad idea, is there no "statute of limitations"? one of them to universal credit was an interest rate of 30% 15 years ago , I have paid of the original debt its now interest. thanks Mark

pinksparkle_2

Hi There,

Im new on this thread so please bare with me...I am currently on a DMP with Payplan since August, when i originally wemt to payplan, my debt was £34000, as soon as my creditors were informed about my DMP, 2 of my creditors (citi loan & Welcome finance loan) have whacked the interset for the full laon term on my balance, so my balance now is near on £38000, I have just lowered my monthly payment tp payplan from £500 to £320 which Payplan have agreed with due to obvious problems, none of my creditors had neither accepted or declined my DMP when i started in august, they will be receiving new financial statements now, so maybe i will hear back, I have written letters to all of my creditors explaining my situation, lowering the payments and hopefully i will be increasing them again as soon as i can, i only got into this situation as i have recently hada baby, Please freeze interest and charges and please refund these etc..... What i want to know is, do you think, Welcome and citi will refund the interest they have whacked on the balance as it is thousands?????

HELP...

Pinksparkle
xxx

louloujs

CCCS_Sarah wrote: »

Stat demands are often used as a scare tactic but should always be taken seriously. I would recommend that you call our helpline as soon as possible on 0800 138 1111 to look into this in more detail for you. How much is the debt for?

Hi Sarah

Thanks. The debt is for £7500 plus £1400 collection fee. I have today sent SAR and CCA to Amex, not Newmans (DCA). The £1400 fee is ridiculous and judging by CAG claimers, it could well be wiped off. In any event, if I have time to claim for that unfair fee and issue County Court action, their collection process could be delayed into the issue is resolved.

I will ring the helpline once I receive a reply or get another letter from Newmans (I have also not received a notice of assignment).

It seems it's a bit of a race against time now to have their next step stalled.

Thank you again for your help.

IWant2BDebtFree_3

Hi There, I'll keep it brief and if further info is needed, i'll post later.

The Short story is that me and my now ex partner entered into an IVA approx 2 years ago.

Since then we have split up and gone our seperate ways, although there is no bad blood, we have an issue now with the IVA.

I recently received a letter stating that due to arrears we have been informed of 2 options, either we register as bankrupt, or the agreement will be cancelled and the debts will return to the original debtors for collection.

We've worked it out and my personal debt is currently about 13k

I need to know which is the best option to go for from this point. I know NOW (stupidly too late) that an IVA perhaps wasn't the best course of action. but what is done is done and i now need to be pro-active and sort out my debt.

Can anyone offer any advice? - I don't really have many assets at all but i plan on moving in the future and i know that when i come to rent, a bankrupcy isn't going to bode well with future landlords.

Does anyone have any advice, i really want to sort this out and this seems the best place to ask advice.

Many Thanks in advance.

tracy52_2

Hi Sarah
just wondering my brother owes 13thousand they don't own there house there on income support and disability?
he cant afford the this is for loans and c2 credit cards
£240 a month although he has agreed to pay it every month with the cccs can he ask them to lower his payments, it is just brother and his wife, he used to work but became ill, even if they just paid £140 a month at least it will give him and wife a little breather
thank you inadvance Tracyxx

tracy52_2

sorry forgot to say this is for A loan and 2 credit cards

CCCS_Matthew

michaelbourne70 wrote: »

Thanks for your advice, how would i go about wording the letter as I obviously don't want to admit to anything just yet, and you know how sly and devious they can be.....once again your help is greatly apprieciated.

It depends really. If you are disputing the debt, and don't believe you owe them anything you would need to request a copy of the actual Consumer Credit Agreement (there are plenty of template letters on the DFD forum for this). This is worded in such a way where you are not admitting the ownership of the debt, but are asking them to prove that you do.

If on the other hand you do admit to owing the money, but just want to dispute the default notice then you should write to them asking for proof that the default notice was actually sent.

Hope this helps
CCCS