Ask a CCCS counsellor a question

CCCS_Sarah

rippedoffandmad wrote: »

hi amanda,
we filled out all relevant forms for housing benefit and income support but each proved fruitless, both replied you are employed so do not qualify.
i have however been to cab and they advised due to my physical health decline since incapacity benefit first awarded 9 yrs ago apply for dla. i filled out forms and have just been awarded high rate care and mobility.
my husband is back to work and thankfully back to health his last scan and thorough eye checks all good, (blessings for that) and we have almost caught up with all our bills, although our credit rating has suffered horrendously, i would say we can sleep at night lol (husband works nights and i dont sleep lil more than an hour due to health), but resting easier now.
good luck to all with money problems, and thank you again amanda for good sound advice .

Hello,

Try not to worry too much about your credit file at the moment, as when things start to get on track this will improve with time.

Let us know if you have any further questions as we are happy to help!

Sarah

CCCS_Sarah

Sagaris wrote: »

Hi CCCS counsellors,

My DH has found out that he will have to go into hospital shortly for an operation and will be off work afterwards for around 3 months.

He will only be entitled to SSP for that time, and as he is on a DMP with yourselves we are worried about what will happen - he currently pays just under what he will get in sick pay to his creditors, so we will find things impossible.
he has been on the DMP for about 4 years, never so much as a late payment in all that time.

Would his creditors accept a lower token payment while he's off work? And if that is the case is it best to negotiate that through yourselves or to approach them directly? Would they expect the deficit in payments to be made up at some point?

Thank you!

Hello,

Thank you for your message.

The creditors can only have what he can afford to pay them, as the most important thing is that he keeps up to date with his day to day living costs.

Give our client support department a call and they will do a review of his account and offer the appropriate advice based on his new budget. If there is not enough for a DMP, then they will talk through token payments with him. Once he has recovered and back at work we can then put a new budget back together and look at his options then.

Hope this helps
Sarah

CCCS_Sarah

msfoxymax wrote: »

Anyone???? Please................. I can pay you in chocolate :rotfl:

Hello,

Thank you for your message.

We advise not to give Creditors your Web Reference number (this begins with a W)

If the creditor is insisting on a number you will need to have a telephone appointment.

Could you send me a PM with the name of the creditor please and I will feed this back.

Sarah

CCCS_Sarah

krissy wrote: »

Hello Debt counsellors
I have just calculted that I am 17300 in debt. I am intensley ashamed of this The thought scares me but I am in a place now whetre I really want to tackle it. I have transferred my card balances onto fixed interest payment cards. My morgage payments are about £900 per month. I wondered if it would be worth taking a 6 month payment break and extend my mortgage for 6 months, to pay of a large chunk of this. I have thought about a debt managment service, and not sure if I can handle calls asking for my money. Can you give me some advice pls? I am at a loss about where to go to get some support..

Hello,

If you would like some advice, you may want to have a telephone appointment with ourselves. We would be able to help you put together a detailed budget and then talk through your options with you.

If you would like an appointment, please call 0800 138 1111.

Sarah

chris1972_2

Hi

To dive straight in, I have recently been forced to change jobs and have taken a big pay cut because of this. I am now in a position of being over commited to paying off debts. Obviously I am very worried, but I am trying to sort it out. I have been on the CCCS website and filled the online form in. However I am concerned about the effect on my credit rating.

The other option I may have is to speak to my mortgage lender and get the debt paid off by them to give me a lower rate. Obviously the amount paid back depends on the length of the term but this would not adversly effect my credit rating.

I am getting more than a little confused.

Any advice would be greatfully accepted.

CCCS_Sarah

Crisp_£_note wrote: »

Hello

I am considering going for a DRO and need a list of up to date figures for what I owe my creditors, how do I find this out as soon as possible?

I know asking them is the obvious answer but I have tried to avoid all contact by telephone for ages now and I don't want to 'break the silence'

Any suggestions please?

Many thanks and best wishes to everyone!

You may want to send off for a copy of your credit file as this will have the information on.

I have added the details below for the three credit reference agencies.

Sarah

Call Credit 0870 060 1414 www.callcredit.co.uk
Experian 0870 241 6212 www.experian.co.uk
Equifax 0870 514 3700 www.equifax.co.uk

CCCS_Sarah

Sagaris wrote: »

Sorry to be a pain - but DH has just got his letter, he will be having his op on the 3rd August :eek: which doesn't give us much time to sort out the finances.

If anyone can answer my query I would be very grateful!

Thank you.

Sorry for the delay, we answer all the questions in order. I have answered your last post

CCCS_Sarah

dippynina wrote: »

We are on a DMP and have been since March. My OH pays child support through CSA on a voluntary DEO, he also pays money towards arrears with them. It was agreed last year that the arrears would need to be paid of within 2 years. Last week they called us advising that they were putting up arrears by £25 per week. I have calculated that they now wish arrears to be paid off within 18 months.
I called the CCCS for a re-assessment, and since there have been a few changes (both positive and negative) it has ended up that we are £70 down on our usual DMP payment. I assumed they would decrease this payment but was advised it would need to be made up to the original payment and we would need to find the money from somewhere. On our budget sheet we have no money put aside for sports/entertainment/clothing etc and the only way we could make it up was by reducing travel expenses (ie weekly bus costs) and also our already minimal grocery amount. I came off the phone quite upset because I feel I was left with an unrealistic budget.
My other real concern is that when it comes to Xmas my partner only gets a basic pay which is around his protected income amount (as stated by the CSA) This means for that period he is unable to pay CSA and we will accrue arrears which will be deducted thereafter, leaving him with only his protected income for a few months. This is what happened last year and how we ended up with mortgage arrears, priority debt arrears and on a DMP in the first place! (*I have already posted questions in regard to this on Child Support thread)
Anyway, any advice would be greatly appreciated

Hello,

Thank you for your question.

Sorry to hear that you felt upset. It’s hard for me to comment as I don’t have access to your account.

As the amounts for the CSA have changed in the budget, this is going to have an impact on the budget surplus. If you feel that the budget is not realistic, please call our client support department again and talk through the figures with them. The budget does need to reflect your situation, but as the CSA are now taking an extra £108 per month this could mean that the budget may need to be cut back if possible, to keep the surplus high enough for a dmp.

If you have another review of your account and insist on the amounts on your budget, client support would be able to give you the best advice based on those figures. It may mean that if there is not enough surplus in your budget and the advice may change i.e. token payments until CSA arrears are cleared.

Hope this helps
Sarah

CCCS_Sarah

torty wrote: »

i am trying to face up to the situation, but hard as not working and living at home with parents i have started on your cccs website, but only halfway thro it but saved it, question, can i still start to sort this mess out even in my situation, i have around 8 creditors about 22k debt,
2 are charging orders
4 are agencies
2 are payday loans, i am being harrassed by some and others i have a decent relationship with, fallen on hard times due to split, only 7k equity in house, i dont mind her buying it but no going to give away, and the charging orders amount to 13k so that does not look good
do you suggest i carry on with the online cccs report, also i wish to question some of the chasers as to the true loan owners, i spoke to one on saturday who just came out of the wood work, do you suggest that i write to all asking for true loan agreement, is it possible the some agencies are chasing same debt, help from cccs needed

Hello,

If you have started using Debt Remedy I would recommend that you continue with that, as the advice would be based on your individual circumstances. If you have any problems, the Debt Remedy team will be able to answer any questions you have.

Sarah

CCCS_Sarah

starlite82 wrote: »

hey,

im with cccs, have been since january. however due to uni placement that lasted 2 months i wasnt able to work as much and couldnt make as much money.

therefore i struggled and missed my monthly payment, now i think ive missed 2. I ve paid my creditors directly what i can afford, but unfortunately not all of them.

im starting to get a bit harrassed by them and im wondering what i should do now? the creditors are asking for the original payment amount and not the one agreed within my dmp.
should i restart my dmp, is this possible? or maybe try to get them to accept a token payment this month until i get organised again?

anybody else had this problem?

Hello,

Thank you for your post.

Are you still on your dmp? If so, I would recommend that you contact our client support department and they will be able to look at your account and talk through your options.

Send me a PM if you need their number.

Sarah