Ask a CCCS counsellor a question

sammy115

My SIL has just entered into a DMP with CCCS and on the online system she has indicated that she has a CCJ payable to geoffrey leaver at £15 per month. That is what she was originally ordered to pay. She currently owes them over £7K and they have just recently applied for and been granted a charging order on the house. They have asked her for an income and expenditure to be completed and an offer of payment to be made they have also indicated that statutory interest will now be applied to this debt until it is paid off. She is unsure now as to what to do with this debt. Is there any way the interest could be stopped. FYI the debt was for a payment to the motor insurance bureau due to an motor accident she had.

sportster58

Hi
I have been negotiating with my creditors and have been successful with a couple but I had a business acount with HSBC that had a card attached to it and to be honest I have never been able to make sense of how the whole thing works but on 16 march I wrote asking for the interest and charges to be frozen I sent an income /expenditure form which clearly showed my financial hardship a letter arrive dated the 28 May which simply stated that it was not the banks policy to freeze interest etc which was a reply to another letter I sent quoteing the financial services authority about banks obligation to helping people in financial difficulty, which seems to me to say "tough we dont care " how should I proceed any advise would be gratefully accepted.
Pete

ylesia

Hi

My friend is now almost set up with a DMP but is having a bit of bother with RBS. She has a royalties account that costs £12.50 a month and also the standing order for the loan comes out of that account. We went into the branch to cancel the standing order and close the account but they refused saying that they could not cancel the standing order as it was part of the loan credit agreement and so they could not close the account with an open standing order!

She has no money in this account so is going to get charged everytime they try and take the standing order and also the £12.50!

As part of her documentation we sent a copy of her bank statement for this account to yourselves but have not included the account as a debt since it wasn't one then but now it looks like it might turn into one!

We explained that she was going onto a DMP but they didn't really seem to care about that.

I work full time so find it hard to find the time to call yourselves during office hours, if I do call about this is there anything CCCS would be able to do? Could you talk to RBS on her behalf and get them to cancel the standing order and stop charging the £12.50 a month? I really don't know what to do

Thanks for any advice

lekkerding

Hi there, married to a Dutch man and now has job in Holland. Debts in UK (over 55k). Can I apply for an IVA if we live in Holland, to secure property in UK? or do I have to live in the UK?
I really do need to sort this out within a week. I am so stressed and worried as we have no surplus income to pay creditors this month.
Thank you

lauzjp

HELP CCCS person/s!

I am concerned as my dmp online is showing that payment was taken as usual (standing order), but on my dmp statement it says no payments to creditors were made?

I had a letter recently from cccs saying that you would still process my dmp - it's not my fault that cccs phone me when I specifically told you what hours I was working yet you still phone during those hours?!

I have yet again sent a message requesting when to be telephoned for a review.


I'm not sure if it's just me that is having a statement oddity, as my husband also has a dmp and his says the same thing.

Meanwhile my hubby & I are getting red / harrassing / threatening letters from creditors again. Thanks.

CCCS_Sue

alisonb21 wrote: »

hi there, iam really considering a DRO but i was wondering what kind of debts cant be inculeded? (can back dated rent). Also if you have/had a DMP can you still apply for a DRO?

Hi alisonb21

In order to be eligible for a debt relief order certain basic qualifying conditions need to be met:

• No more than £15,000 debt. Certain debts are excluded; these include student loans, secured loans, CSA arrears, criminal court fines.
• No more than £50 per calendar month surplus income, this is after your household priority bills have been paid.
• No more than £300 assets. Assets will include things like savings, shares, cars, caravans, antiques and collectables.
• You can not be a homeowner

Most debts can be included in a DRO including rent arrears, but the total debts must remain below £15000 in total.
Debts such as student loans, secured loans, child maintenance and magistrate fines are excluded.

You could be on a DMP when you applied or you could have had a DMP in the past, but the surplus in the budget must not be over £50 month.

Regards
CCCS

CCCS_Sue

sammy115 wrote: »

My SIL has just entered into a DMP with CCCS and on the online system she has indicated that she has a CCJ payable to geoffrey leaver at £15 per month. That is what she was originally ordered to pay. She currently owes them over £7K and they have just recently applied for and been granted a charging order on the house. They have asked her for an income and expenditure to be completed and an offer of payment to be made they have also indicated that statutory interest will now be applied to this debt until it is paid off. She is unsure now as to what to do with this debt. Is there any way the interest could be stopped. FYI the debt was for a payment to the motor insurance bureau due to an motor accident she had.

hi sammy115 and thank you for your message

Creditors do have the right in some circumstances, to apply either statutory interest (currently set at 8% pa) or to continue to apply their contractual interest.

As you are on a DMP, I would recommend you ring for an appointment to discuss this further with a counsellor.

I will PM the number you need to ring.

Regards
CCCS

misscutiepie1984

CCCS_Sue are able to find out if CCCS_Sarah has any information on my problem with Barclaycard.

CCCS_Sue

sportster58 wrote: »

Hi
I have been negotiating with my creditors and have been successful with a couple but I had a business acount with HSBC that had a card attached to it and to be honest I have never been able to make sense of how the whole thing works but on 16 march I wrote asking for the interest and charges to be frozen I sent an income /expenditure form which clearly showed my financial hardship a letter arrive dated the 28 May which simply stated that it was not the banks policy to freeze interest etc which was a reply to another letter I sent quoteing the financial services authority about banks obligation to helping people in financial difficulty, which seems to me to say "tough we dont care " how should I proceed any advise would be gratefully accepted.
Pete

Hi Pete and thank you for your message

The creditors do not have to stop interest and charges. It is entirely at their discretion.

If you have sent them a copy of your income and expenditure and an offer of payment based on any surplus after paying all your priorities, as long as your budget is realistic, then you are doing all you can.
Make sure you continue to make the payment you can afford regularly each month. Send it even if they refuse your offer.

Any offer of payment can be worked out on a pro rata basis so that all the creditors get a fair share of any surplus you can afford.
The formula is:
Individual debt x surplus ÷ total owed = individual offer.
If you require further assistance with putting together a realistic budget and also for further help and advice, you can look at our online debt advice called Debt remedy
Debt Remedy will assist you in completing a financial statement which includes information on your household, employment, income, expenditure and debts. You can then use this to send to your creditor.

Once you’ve followed the process through and completed all the required information you will immediately be presented with an advice booklet, which will provide tailored advice for you based on your current circumstances. It will also provide advice on ways you may be able to improve your situation. If you would like to get immediate advice on your situation, click here to go directly to Debt Remedy.

Alternatively if you would prefer to talk to a debt counsellor about your situation, you can book a telephone based appointment by calling our helpline free on 0800 138 1111. Lines are open Monday to Friday 08:00-20:00. If you do decide to call us, please have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have all of the necessary information ready, it may be possible to refer you directly to a counsellor for immediate advice. Alternatively, we will arrange for an appointment to be booked at a time convenient for you.

Regards,
CCCS

Bigal_2

Hi Wendy

I am a UK citizen living in Taiwan and am grappling with 17000 pounds worth of debts left in the UK.

Most important is an Egg loan that has been sold on to CapQuest, who are now adding interest.

I copy below my CCA received from them after my request.

Currently, I propose writing to them saying that I am taking debt advice, that will buy me 30 days grace. After that, I propose to contest the CCA using a template letter that I have.

This is on the grounds that the copy CCA sent to me does not include a 14 day cooling off period, and it refers to terms and conditions that were not sent with the CCA, which remains the two pages that you see below.

This again will stop further action and interest being added by CapQuest.

My aim is to try and negotiate a settlement with them, but the debt started as 2600 pounds and is now 4600 pounds, so they are trying to avoid a setttlement.

Any advice is welcome. Thanks in advance!

Here is the CCA: OK, just got a message saying that as I am a first timer, I can't post the image.