Ask a CCCS counsellor a question

bobandbuttons

I am considering a DMP as I have had no luck with my bank I have all the details and just need to send off the forms. However with my job I can run up £500 to £800 worth of expences. These will be paid off each month but I do need a credit card. But on the form it says not to use a credit card. Is there any advice you could give...... should I keep my credit card and use that for my expences!

Thanks
Darren

karen098

Hi CCCS people
My other half made the call today to start a DMP, we will have an appointment in mid Sept. We have been told to open a new bank account and write to all creditors & cancel non priority direct debts and pay what we can afford by cheque.
What do I put in a letter to our creditor???
Also, what will happen in the interview in Sept??, as I understand ths will be over the phone but OH had alot of info to take in and note down as I was at work. Will it be a case of giving us different options which will be best for us?

All abit confused by it all

Thanks - Feeling calmer already
Karen098

massivedebts

Hi CCCS Peeps
We are on a DMP with yourselves. I have written to our CC companies and HSBC who hold our overdraft asking them to stop the intereset and charges etc (they all refused!! ........nice!!) .
We also have 3 loans and all the companies have accepted our DMP payments - my Q is, can we write to the loan co's and ask them to freeze interest or is it better just to leave be for the while as they're staying quiet and seem happy (for now) with the agreement.
Thanks
MD xx

sarahb7538

I am about to send of all info including my payslip. The problem is i have overtime on my lastest two payslips- this has now ended and no more is avaliable which is partly why i have been able to service my debts up until now. My september pay will be my normal pay. How will this affect the set up of my DMP. Should put in a covering letter to explain. You can see from my payslip what is my normal gross and what is OT etc?

Should I send in these and then September when received.

guinness34

hi guy i received a letter this morning from lloyds tsb as they now are saying the are going to take me to court for 2,214.61 now i done have this money if i did i would pay it to them what do i do now do i contact them or will cccs contact them my life is so depressing at the moment i am allreading stess as i have been called up for judy duty next week and i have to find money for petrol and parking

cathy163

My husband and I have had a DMP thro CCCS for 5 years and have paid off £60000 but still have another £90000 to pay. Both my husband and I are on reasonable salaries. However my husband is due to be made rdundant at the end of the year. This is a scarey prospect in the current economic climate. He is 45 and will hopefully get another job quickly. My question is can we approach our creditors and offer to pay some of them off at reduced amount ie full and final settlement. Or is this seen as favouring one over another? Or do we just suggest an amount eg £40000 to be paid out over all the creditors pro rata. What happens when he is made redundant do we go on a reduced DMP but pay off some of the debt using some of the lump sum. Or is best to phone and speak with someone?

I feel sick thinking about the whole situation. For last few years have felt safe paying off what we owe but that is suddenly changing and feels just like it was when we were sinking in debt.

sethsmum

Hi, I have a question about County Court Judgements. Basically, I divorced my husband 4 years ago, and whilst we were together he had run up a lot of debt in my name as well as taking all my wages so I was left with rent arrears and overdue bills left right and centre. He has not had to pay a penny as he has spent the majority of the last 4 years in prison and has never held a proper job. When we divorced the total amount was £30k and since then I have managed to pay off nearly half and repaired my credit to the point where I am allowed credit cards and an overdraft again, which I am careful to manage so as to further increase my credit rating so that I can buy a house once all the debt is paid off. I am hoping to have it all paid off in the next two years, as once I no longer have to shell out £900 a month for my daughter's childcare that money can go towards paying off the debt.

Anyway, this week I received a letter that threatens to undermine all my hard work. I had a notice from a solicitor claiming to act for an old landlord, of a property I occupied with my ex-husband in 2001. We were evicted in December 2001 and there was a County Court Judgement at that time. None of the outstanding amount (£3,390.14) was ever paid and there has been no contact between myself and any solicitors or the landlord in the intervening period. I know that CCJs are not time-barred, but can they really threaten to enforce the judgement after 8 years? They are threatening bankruptcy proceedings which is not an option for me as I am a Chartered Secretary and so would lose my professional status and my job if I went bankrupt or had an IVA. Since the first letter I have had another stating that the CCJ is enforceable forever. I have not acknowledged any of the letters as yet.

A little advice on how to proceed would be much appreciated. At a push I could pay this off in instalments, although I don't have much slack in my budget. In all honesty though, I really resent the idea of having to pay yet another debt that I am not wholly responsible for, just because these people can find me to chase for it and can't find him.

Thanks in advance

EmptyPockets

I am due to move house in two weeks time. I have already changed my address details using the online facility on the CCCS website (as I have access to the new property already) - but, will CCCS inform my/our creditors of the address change, or is this just lazy thinking on my part?!! Do I have to inform the creditors myself?

sun_is_shining

Hi,

I am in debt with the bank. I have a £400 overdraft with the bank and i stupidly got myself into trouble with it. I have gone over by about £200, meaning i am quite a bit overdrawn (-£600). I'm wondering if anyone can give me any advice as to how i should go about trying to pay this back in an easy simple way. Could they freeze the account so i could pay it back in instalments?

Thanks for reading

flowerfairy159

I have been accepted as a student at uni and have the oppertunity to pay off some of my debts using my student loans. I think i am better off as even though I am with the CCCS i am still getting interest and charges added. I have managed to pay one debt off but with this money i could pay off (using the deals theyve offered me) 2 debts worth £4000 for £2500...do i do it???? any advice would be welcomed. We are not in debt management but in what is known as self help.

Thanks

Jody