Ask a CCCS counsellor a question

nuttytart26

Hi,
Hope someone can help me. I am paying off my debts as quickly as I can and hopefully should be debt free in the next 12 -18 months. I checked my credit report and found that I have 4 CCJ's against me. I never received paperwork/bailiff visit with regard to this and have looked into it and all 4 which total about £1200.00 are from one Company for one debt that they were chasing me for. I had defaulted on the loan, which is now paid back. Is this common practise for them to issue 4 CCJ's? This is being dealt with at Northampton county court, would they accept £15.00-£20.00 per month of each of the debts? I really want to clear my credit file up.

Thanks in advance for any help you can give me. J x

harrisc0

We are currently setting up our DMP which starts in July through CCCS and are looking at moving our bank accounts - in our DMP is a overdraft with Alliance and Leicester for £950 and a overdraft with Barclays for £2,000 - looking at setting up a new bank account with Abbey - is this bank linked to A&L or Barclays? If so who could we go with? Partner has an unused account already with LloydsTSB so can't use them I don't think. Our children have accounts with HSBC so not sure if we can use them. Thanks

jules61_2

hi there
i have just set up a dmp with payplan and been advised to change bank accounts most of the debt is with the bank in my husbands name but i have my own basic account at the same branch and have no debts with them
Im a bit worried about this offsetting can the bank take money from my account to pay my husbands debts as my wages are paid into it and we were considering using it for my husbands wages now any advice please as what i should do thanks :mad:

crafty1

Hi
If i were to telephone CCCS monday evening with all my details and a DMP was recommended, do you think it would be possible to get things moving quite quickly i.e. I send token payments to creditors this month or is that a bit too ambitious!

sandalwood_2

crafty1 wrote: »

Hi
If i were to telephone CCCS monday evening with all my details and a DMP was recommended, do you think it would be possible to get things moving quite quickly i.e. I send token payments to creditors this month or is that a bit too ambitious!

As far as I know you can send token payments whenever you want,(but make sure you cancel the d debits from your bank account and open new one asap)so if you want to do this before the DMP is set up it will be fine.
I sent my token payments for May last week and my DMP doesnt start unitl 1st June
hope this helps

scouselad1974

harrisc0 wrote: »

We are currently setting up our DMP which starts in July through CCCS and are looking at moving our bank accounts - in our DMP is a overdraft with Alliance and Leicester for £950 and a overdraft with Barclays for £2,000 - looking at setting up a new bank account with Abbey - is this bank linked to A&L or Barclays? If so who could we go with? Partner has an unused account already with LloydsTSB so can't use them I don't think. Our children have accounts with HSBC so not sure if we can use them. Thanks

Alliance Leicester and Abbey are both part of the Santander group

milo100

Quick query I am on a debt management plan with CCCS and just wondered if it is possible to reclaim bank charges if im on a DMP? Or would this go against me? Just thinking of wys toclear my debts quickly!

icecube2009

Hi
I just got all my info through from CCCS sayiong they have accetedus & first payment is due 1st June. Do I still send token payments out for May (have sent them along with notifications of debt management letters for April)?

Also I have just received a letter from Egg - a default notice, it says I have until june 1st to pay full balance of £7k or it will be sent to a debt collector, should I be worried? (I am!)

Thanks

icecube2009

milo100 wrote: »

Quick query I am on a debt management plan with CCCS and just wondered if it is possible to reclaim bank charges if im on a DMP? Or would this go against me? Just thinking of wys toclear my debts quickly!

I think you stand a better chance of reclaiming them, I have tried just waiting for a response

gerturdeanna

milo100 wrote: »

Quick query I am on a debt management plan with CCCS and just wondered if it is possible to reclaim bank charges if im on a DMP? Or would this go against me? Just thinking of wys toclear my debts quickly!

When I was on a DMP with the CAB, I claimed back my bank charges. I did have to use the money to clear some debts but as you've said you want to clear your debts quicker, than I can't see why not.

HTH

Gerty