Ask a CCCS counsellor a question

CCCS_Sue

morgan78 wrote: »

Hiya got my review on monday

few changes wife on maternity tax credits altered i also had a loan for a car that i had paid off then about 2 months ago the car just totally packed up and i rely on this for work the garage said not worth repairing so i had to get a new one my parents loaned me the cash to get a new car and i pay them back monthly how will cccs look at this because i know your not supposed to have any extra borrowing

also i had a letter from ccccs about 3 weeks ago saying that one of my creditors were not going to collect the debt anymore, cccs didnt say that they had sold it on i havent received any correspondance from company nothing, and this month cccs didnt pay them. Cant understand what that means
thanks

Hi morgan and thank you for your message

Your car is a priority if it is essential for work.
As long as the loan is not excessive, the loan repayment to your parents will show on your budget.
This may affect how much surplus you have left to offer your creditors on your DMP, so at your review, this will be discussed.

As I do not have access to your account, I am unable to say why this creditor has stopped collecting the debt.
I would wait until your review on Monday and discuss this with your counsellor.

Regards
CCCS_Sue

MissOptimistic

Hello, I would be very grateful if one of the CCCS counsellors could answer a few questions.
Firstly a bit of background - I defaulted on all my cc payments about three months ago - Between my husband and I we have 6 creditors - Using the debtline templates I sent them all an income and expenditure form and made them all an offer of payment pro-rata to what was available. Northern Rock & Halifax agreed almost immediately, It looks like Egg are agreeing after much letter writing, the same for MBNA, after pressuring us to pay more they said they would accept the amount offered.
The final 2 are causing problems - Barclaycard keep insisting the £90 or so, is too little and have passed the debt to Mercers who are threatening to send collectors to the house, and Citicard said they would consider my offer after I had made 2 payments. (after 2 payments were made, they said it wasn't enough, said I had to increase it, and they would consider it again in another two months - They continue to add interest and I think if I paid 2 more payments, they will say it is not enough again)
My question is this:-
would the CCCS be willing to take over the reigns as it is all proving too stressful - and if you do, what is the likliehood that Citi and Barclaycard will accept the offer and stop interest - also will they still pass it to a DCA while I am making payments to the CCCS?
I would be very grateful of any help or advice you can offer me.
Thank you in advance

CCCS_Alan

idontkno wrote: »

We are thinking about taking out an IVA, we have a together mortgage with the northern rock. The mortgage and unsecured loan was taken out together and a further secured loan added a year later. We make one payment to Northern rock every month. Would the unsecured loan be included in the IVA or is it classed as part of our mortgage? We have spoken to 2 companies so far and had completely different answers off each. We need to know for definite before we proceed as it will make a massive difference to our IVA.

Hi Idontkno

The mortgage and secured loan would be a priority payment, but the unsecured loan part would be treated as an unsecured debt in an IVA.

Regards

CCCS_Alan

CCCS_Alan

hotmamma wrote: »

Hi,
I have been on a dmp for the last 2 years, it was going well until had another baby, I stupidly took out payay loans which i can no longer payback, I informed cccs last week who asked me to send them paperwork, im scared i have put my plan at risk

Hi Hotmamma

If you were struggling with costs you should have contacted us first to review your situation instead of looking at more credit. At least you have been honest about your situation, but your case will be looked at to see what decision would be made about your plan and if the creditors can be included.

It would be advisable to probably call next week if you have not heard anything about what is happening to your plan.

Regards

CCCS_Alan

CCCS_Alan

cerysellen wrote: »

My partner and his ex wife split up a year ago. The mortagage hasn't been paid for a year as he had to pay for somewhere else to live. She has now gone to Spain and we want to move into the property. We have got a hearing on Tuesday to see whether the house will be repossessed we have laid put how why we haven't paid it and that we can afford it. The main reason is we are trying to get her off the mortgage as if we start paying it she is still 50/50 tied to the property therefore still has rights to the property. How is the court likey to view this?

Any Advice greatly appreciated.

Hi Cerysellen

In the hearing what they will be looking at the situation of what will be happening to the property, obviously that is you two moving into it and running it as a house. And if the monthly mortgage repayments can be made in full again, plus money towards the arrears each month to try clear them in a reasonable time to avoid repossession.

It is unfortunately not a guarantee that if you can meet the payments plus arrears that they will not grant repossession if the mortgage has not been paid for a year.

Regarding taking her off the property that is an issue you would need to take up with the lender and possibly seek legal advice on the matter. Below is a link to Community Legal Advice who may be able to provide you with some advice.

http://www.communitylegaladvice.org.uk/index.jsp

Regards

CCCS_Alan

gimmedosh

Hello there

I have a question regarding an upcoming Direct Debit Charge. The girl I spoke to this morning at Nationwide said to me the reason why they charge for a returned Direct Debit is because they get charged that amount.

Is this true

I really dont believe this but would like to hear it from any of the wonderful people here if that is possible.

Many Thanks

gimmedosh

tinxminx

Hi,

I have a question about a DMP.

Do you include a HP agreement in the creditors? We have about £500 left on it at £26 a month? It is with Black Horse Finance, and I am supposed to be opening a basic bank account this afternoon with Lloyds, who I understand are underwriters of Black Horse finance?

Thanks.

CCCS_Alan

MissOptimistic wrote: »

Hello, I would be very grateful if one of the CCCS counsellors could answer a few questions.
Firstly a bit of background - I defaulted on all my cc payments about three months ago - Between my husband and I we have 6 creditors - Using the debtline templates I sent them all an income and expenditure form and made them all an offer of payment pro-rata to what was available. Northern Rock & Halifax agreed almost immediately, It looks like Egg are agreeing after much letter writing, the same for MBNA, after pressuring us to pay more they said they would accept the amount offered.
The final 2 are causing problems - Barclaycard keep insisting the £90 or so, is too little and have passed the debt to Mercers who are threatening to send collectors to the house, and Citicard said they would consider my offer after I had made 2 payments. (after 2 payments were made, they said it wasn't enough, said I had to increase it, and they would consider it again in another two months - They continue to add interest and I think if I paid 2 more payments, they will say it is not enough again)
My question is this:-
would the CCCS be willing to take over the reigns as it is all proving too stressful - and if you do, what is the likliehood that Citi and Barclaycard will accept the offer and stop interest - also will they still pass it to a DCA while I am making payments to the CCCS?
I would be very grateful of any help or advice you can offer me.
Thank you in advance

Hi MissOptimistic

We can have a look at your situation and provide you with advice, but a DMP is not guarantee as another option may be more practical for you.

When we make offers of payment for a DMP we ask creditors to consider stopping interest and charges to allow the debt to be repaid. A lot of the creditors are kind enough to oblige. This is because you have shown willing by taking advice from us or other parties that offer a similar free service.
If creditors are unwilling to do this we would have to take another look at a plan to see If it is still the best option for the client.

A creditor can pass a debt onto a DCA while on a DMP. If this happens we can transfer the payments to them instead once we are made aware of this.

You have a couple of options if you would like advice. You can visit our online debt advice facility called Debt Remedy. Debt Remedy would assist you in completing a financial statement and you would be provided with tailored advice on the best way to deal with your situation. Click here to go directly to Debt Remedy.

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. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Regards

CCCS_Alan

CCCS_Alan

gimmedosh wrote: »

Hello there

I have a question regarding an upcoming Direct Debit Charge. The girl I spoke to this morning at Nationwide said to me the reason why they charge for a returned Direct Debit is because they get charged that amount.

Is this true

I really dont believe this but would like to hear it from any of the wonderful people here if that is possible.

Many Thanks

gimmedosh

Hi Gimmedosh

The charges are different from bank to bank for a returned DD. They would set their own charges unfortunately for this. Normally set at an amount they thought was sufficient to cover the business costs of processing a failed transaction.

Regards

CCCS_Alan

CCCS_Alan

tinxminx wrote: »

Hi,

I have a question about a DMP.

Do you include a HP agreement in the creditors? We have about £500 left on it at £26 a month? It is with Black Horse Finance, and I am supposed to be opening a basic bank account this afternoon with Lloyds, who I understand are underwriters of Black Horse finance?

Thanks.

Hi Tinxminx

HP agreements are mostly for vehicles which if are an essential cost would normally be included in a budget as a priority. If the debt is for a failed HP shortfall and is a remaining balance, we would include this onto a list of creditors.

It would be advisable to check the agreement and see what it actually says. It should either say HP agreement, conditional sale agreement or contain a clause saying the goods can be taken back for non payment. If it does not contain any of these it would be put down as a creditor as a non priority.

If the HP agreement was for something more of a luxury items such as a large TV this would need to be discussed further with your counsellor at the time of the appointment.

Regards

CCCS_Alan