Ask a CCCS counsellor a question

CCCS_Sarah

jk8 wrote: »

Hi
We are in the process of setting up a DMP with the CCCS,and my husbands disability payments have been included as part of our income-could you please specify which benefits should be included as income in order to calculate our DMP payments.I'd like to clarify this before our payments are set up to avoid having to review the payments straight away.
jk8

Benefits do have to be included as a form of income, but then balanced out in the budget i.e. if there are any additional costs to do with his disability these need to be added to the budget.

CCCS_Sarah

SHANKS1000 wrote: »

Hi we are in the process of setting up a DMP via the CCCS. Sent paperwork back to them on Monday so should have received it Tuesday. We are now in one months arrears with 4 of 5 credit card companies and have now received a default notice from one of them. Can the DMP still be set up and how much longer will it take. Till now we've been able to say in the process of setting one up but would like to know how long it normally takes. Total debt around £ 25,000 of which £ 11,000 owed to MBNA in your experience will they accept the DMP - its the best we can do.

Thanks in advance

I wouldn’t be able to say what creditors will accept your DMP, as each creditor works differently and look at the proposals on a case by case basis.

A default is a standard part of the collection process. A default is basically a legal requirement that ends the contract between you and the creditor

CCCS_Sarah

toniabbey wrote: »

Hi, my husband is on DMP staring this month, one of his creditors ask him to pay but he told them that he is already in CCCS. He was told to pay any amount, so he said that he could only afford £5 and gave his debit card details. Then after few hours they deduct £200 with out his knowledge, which he save that money for the payment of our coucil tax, gasoline and our food for this week. I check his online account and the only money left is £5.69 then next day it his payday they again got £30 without authorization and again left him .35pence in his account. I want to know where could we write a letter of complaint with this company. We already rung his bank to froze the payment and change his card number.

Hello,

I would recommend that you write the letter to the creditor and ask for the money back and for an explanation why this has happened. They should have the calls recorded, so management should be able to look into this in more detail.

As his card has been frozen they should not be able to take anymore payments.

See how you get on with this and if you need any further advice let me know.

Sarah

CCCS_Sarah

supersleuth wrote: »

Hello,
I about to commence a DMP with CCCS and all the figures seem fine and I have nearly gathered all the papers I need ( statements etc) small problem is I may have to change my job/hours etc in the next few months. To be honest the stress of mine is nearly killing me - am off sick currently ( but being paid) but whatever I do my SOA won't change much as I earn about what I pay in childcare so if I work part time I'll have less money but less of a hefty childcare bill to pay.

Does this seem reasonable? I am desperate to get things up and running as I can't sleeep with the stress of it all.

Basically I think i'm asking - if I know things might change soon financially but I expect to have "about" the same about spare for the DMP - is ot ok to go ahead ?
Thanks a million
SS

Hello,

Should be fine. All I would say is call for a review at the time as your budget will need changing to reflect your situation. If your income is going to be very similar, it wont have a huge affect on the term of the plan.

Sarah

CCCS_Sarah

miss_bexy wrote: »

We received post today from 3 creditors. One saying they are accepting my OH reduced payment and stopping charges (woohoo!).
The other 2 though are about the cancelling of his direct debits to them, adding on charges for missed payment, and insisting he re-instate the DD.
Now obviously we aren't going to do this, but we were wondering if this meant they hadn't received the Notification letters from us and if it was worth sending duplicates?

Our first CCCS payment is due on July 1st, which I understand the creditors won't receive until the end of July. Do we need to contact the creditors who have written to us again to inform them of his DMP, or can we assume CCCS have already been in touch and they are just trying to make him pay more now?

Hello,

Its up to you, if you have already sent the letters then you have done your part. The letters you are receiving are just system generated so I wouldn’t worry too much about them.

Hope this helps, and good luck with your plan!

Sarah

bluecandy5

Anyone have a smallest or simplest 2yes go for it" or "no keep paying dmp" for me please As per previous post


Hi, i have a dmp on which i have 7 debts and have been on it for nearly a year. I know you can make offers of settlements if you come into some money.

I will have some money at the end of this month or the following month but only to offer a settlement on one debt. Is this worth pursuing as its just the one and as i have 3 debts with the same company, will they seek to try and get money on the other 3?

CCCS_Sarah

bluecandy5 wrote: »

Hi, i have a dmp on which i have 7 debts and have been on it for nearly a year. I know you can make offers of settlements if you come into some money.

I will have some money at the end of this month or the following month but only to offer a settlement on one debt. Is this worth pursuing as its just the one and as i have 3 debts with the same company, will they seek to try and get money on the other 3?

Hello,

I would recommend you contact our client support department – they will be able to take a look over your account, talk through full and final settlements with you and send you sample letters.

I will send you a PM with their number on

Sarah

CCCS_Sarah

bluecandy5 wrote: »

Anyone have a smallest or simplest 2yes go for it" or "no keep paying dmp" for me please As per previous post


Hi, i have a dmp on which i have 7 debts and have been on it for nearly a year. I know you can make offers of settlements if you come into some money.

I will have some money at the end of this month or the following month but only to offer a settlement on one debt. Is this worth pursuing as its just the one and as i have 3 debts with the same company, will they seek to try and get money on the other 3?

Just answered your other question

hayley11

Hi

I've just posted on the debt relief order thread on the bankruptcy board but just wondered if anybody from CCCS could answer this for me?

If my OH and I are in a joint DMP, but all our debts are in seperate names, can I apply for a DRO in my own name, for all my debts? Will they include his income or just mine? I am on incapacity benefit so don't have much income of my own. My debts come to approx. £13k and i've worked out that I have a deficit of -£103 each month once i've paid half of all the household outgoings.

Thanks

CCCS_Alan

hayley11 wrote: »

Hi

I've just posted on the debt relief order thread on the bankruptcy board but just wondered if anybody from CCCS could answer this for me?

If my OH and I are in a joint DMP, but all our debts are in seperate names, can I apply for a DRO in my own name, for all my debts? Will they include his income or just mine? I am on incapacity benefit so don't have much income of my own. My debts come to approx. £13k and i've worked out that I have a deficit of -£103 each month once i've paid half of all the household outgoings.

Thanks

Hi Hayley11

If you are looking into a DRO it would have to be just in your name for your debts. You would also need to be able to balance your budget first as you need to be able to survive on your income and would not be able to do that on a deficit budget.

What will be looked at in any application would be reasonably split household costs as well so as long as they are split fairly, and you are not paying excessively high costs you should be ok. If you can manage to balance your budget, and if you want to discuss a DRO call the number on your monthly statement and we can go through your information and discuss this with you and look at your eligibility.

Regards

CCCS_Alan