Ask a CCCS counsellor a question

treblex33_2

Hi,
I would appreciate your opinion on the following.

I requested CCA fro my creditor who replied by sending a copy of T&S for years 2000 (account was opened in 2000) and a copy of their current T&C.
However, none of these T&C relate to me as there is no information about me at all. those could be anyone's T&C.

Following failure to supply the correct docs I then sent 12+2 letter to advice that the account was on dispute.
I have now received a reply, pls see the following link (could not attach photos here)
http://photobucket.com/treblex33

It appears they do not have the relevant docs and are trying to talk their way out of the obligation to supply the docs. Am I correct?

thanks,
treblex33

Cee

I had a debt management programme 3 years ago with the cccs and today churchwood finance told me that it wouldn't have had an effect on the way we remortgaged and that the arrears we had been in before it would have. As we couldn't get a good deal on our mortgage interest payments because of it.

We are both currently experiencing problems meeting our outgoings again and although I don't want to default on any payments due to interest charges on some of our creditors we may have to.

I rang churchwood finance back today as my initial application was for a loan and asked not to go ahead with the dmp they offered me as i want to try and pay off the debts before having to take one up, i'm sure i know the answer to this question but would i be better off going with cccs again or taking on churchwood with a hint of a promise that they could settle a loan for me 3 months or so down the line?

I want to keep my credit clean so it wont affect our mortgage in the future again.

tosh01

Hello,

I currently have unsecured debts of approx £21500 and after recently losing my job and having £0 saving's I am currently paying £1 each to 8 creditors.

I am hopefully subject to a medical and security references about to take up full time emplyment again but the wage is a lot lower than what i was previously on, I have worked out a budget and currently have approx £165 disposible income left after all of my outgoings, and I am wondering whether a IVA would be best for me or a debt management plan ??

On a dmp if we managed to get the interest at 0 % I would be looking at approx 11 yrs to pay everything therefore would an IVA be better if so what would I be looking at paying then ??

Please help

determinedtodothis

Hello..

I'm coming up to my 1st year anniversary with CCCS and so far its been going ok, It looks like I am due a refund from the tax man this month and i'd like to use the money to clear some debt ~ would I be able to offer a Full & Final Settlement on maybe my capital one card if i'm in a DMP?

Thanks

tosh01

Hello,

I currently have unsecured debts of approx £21500 and after recently losing my job and having £0 saving's I am currently paying £1 each to 8 creditors.

I am hopefully subject to a medical and security references about to take up full time emplyment again but the wage is a lot lower than what i was previously on, I have worked out a budget and currently have approx £165 disposible income left after all of my outgoings, and I am wondering whether a IVA would be best for me or a debt management plan ??

On a dmp if we managed to get the interest at 0 % I would be looking at approx 11 yrs to pay everything therefore would an IVA be better if so what would I be looking at paying then ??

Please help

homer_simpson_2

Hi,
I am on a plan with cccs and have a quick question,

If my partner was to move in how would it effect my plan? i wouldnt be asking her to contribute to the running of the house, just to cover her bills, partly because she is just out of uni and has debts to pay from then, but also because i dont want all the joint income thing yet, as thats how i ended up in debt in the first place!

All i will be asking for is half the food bill, half the council tax, as i will lose single person discount, and half utility bills, as she works shifts, and i work 9 - 5,

Basically, will cccs expect a raise in repayment to the point were i will have to rely on her income?

gargrave50

My husband and I are considering a DMP after doing a DR with CCCS. The one thing I forgot to clarify is - if we had any spare funds on a one off basis e.g. carboot sale are we able to make additional payments direct to creditors? I suspect not but wanted to check.

retsbed

retsbed wrote: »

Hi MSE'ers,

I hope this is posted in the right place...please feel free to move it Mr. Mod

In March 2006 my partner entered into an IVA with Debt Free Direct (DFD). Included in the IVA was our joint account that we held with Natwest with an OD of £650.

On 1st April '09 I received a letter from Natwest (addressed to me only) demanding £1038.68 for the joint account. I contacted them immediatley and informed them of the above. The person I spoke to asked me to get DFD to call them. I contacted DFD and they asked me to send in the letter and they would deal with it. DFD never contacted Natwest and now the debt has been handed to Triton Credit Services.

Upon receiving the letter from Triton I contacted them (Triton & DFD) immediately and they both tell me that because I am not in the IVA I am responsible for the entire debt of the joint account . Neither of us were aware of this as for the last three years my partner has duly paid the IVA.

Please could someone shed some light on this matter as my income has been included in the voluntary arrangement and we really don't have the money to pay them especially as we thought it was all taken care of. I have tried explaining this to Triton but they are not budging. The last person I spoke to asked me to fax in my partner's IVA documents to prove the debt was included - I have done this earlier today and thought I would post on here to get some advice before they call me again.

I hope this doesn't sound too long winded and please accept my apologies if it is

Thank you all in advance :beer:

Bump up the forum

CCCS_Amanda

Goodtimesahead wrote: »

Has anyone actually been successful in having a creditor remove their data (ie. default etc from their credit file, ie. wiped clean, not just satisfied after paying the debt either as a full & final settlement deal or in full? The data is owned by the creditor so they can legally remove it at any time if they agree, it does not legally have to remain on file for 6 years, there is no law on this.

Just interested to know of anyone's success?

Hi there goodtimesahead,

Thank you for your post.

We advise clients who are able to make full and final settlements on a debt to ask the creditor to mark the debt as ‘satisfied in full’ on their credit history. We have had clients that have been successful with this; however, some creditors will only mark the debt at ‘partially satisfied’.

As far as removing a default etc. from a credit file, a creditor will only remove something if it was an error. I have attached a link that will give you information on your credit file and the information that it holds.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

I hope this helps.

Regards,
Amanda

CCCS_Sue

Weekend_warrior wrote: »

Hi All,

I have a mortgage which due to ill health is being paid by the DHSS.
The mortgage had back in 2005 a shortfall between the benefit paid on the
mortgage intrest and the money paid by DHSS.
I was informed by the bank in 2005 I would have to make additional payments of £68 per month myself.
I decided to pay £100 per month to be ultra safe due to the intrest rate rises
etc.
I had to contact the bank again mid June after a change in my claim because I
had received a letter from the bank saying I had a shortfall of £16 per month
( I was still paying unwittingly £100 per month).
I was informed my mortgage was over £2600 in advance due to my £100 per
month payments.
I said jokingly I could do with some of that back, the operative said the bank
can't refund DHSS payments, I said my overpayments were not DHSS payments but personnal cash.
The operative said he would put it in the diary for someone t the bank to look at
and they will be in touch.
Today 2/7/2009 I received a call from the bank about the overpayment the girl said it was not possible to pay the £2600 back to me as the DHSS could ask for their money back at any time and this would leave me in a bad position.
I countered by saying that would be true with anyone on DHSS mortgage payments and if the DHSS decided to take back all their payments from 2005
I would be in real trouble so why do I have to leave the bank with basically a £2600 retainer.
The lady then said the bank rules had changed and they couldn't give the overpayment back and her line manager as a token of goodwill would give me my last months payment back of £100.
I said if that is the case that the £2600 can't be refunded why offer me anything, but she repeated bank policy and that was that.
I know this to be untrue as previous to me getting help from the DHSS I
was paying my mortgage myself and got into an overpayment situation
of £2300 which the bank refunded without hesitation.
The bank is Bank of Scotland.
Could anyone who is reading this help me out and advise me if the bank
is telling the truth or trying to brush me of because we know all the banks are now very reluctant to part with anything.

W.W.

Hi weekend warrior and thank you for your message

I would recommend you check your terms and conditions to see if there is anything regarding overpayments there. Otherwise, I do not think there is a lot you can do in this case.

I do not think the bank would say it was their policy not to refund overpayments if this was not true.

Regards
CCCS