Ask a CCCS counsellor a question

SkintMamma

Hi Sarah

I have just sent you a PM, thank you

SkintMamma

Charliebird

Hi I am posting this here as you wonderful people at CCCS might be able shed some light....

Sorry need some advice AGAIN!! My husband has had a letter from RMA Resolve. He missed one payment with AMEX but I sent over two "nominal" payments one for July & one for August. In the letter I advised them that they were to be split and that we were having Financial difficulty and that we were talking to CCCS. It appears the letter to AMEX and the Sept Statement have crossed in the post. And as of yet AMEX have not cashed the cheque.
We now have a letter from RMA Resolve saying that AMEX have informed them of our financial difficulty. They are asking us to call them to set up a DMP with them - but obviously we are going into one with CCCS. I have seen all sort of horror stories with RMA Resolve and wondered if anyone could advise on the best course of action. I am about to send out a nominal payment to AMEX as the statment is due on the 4th Sept. Should I send it to AMEX or to RMA Resolve??

Thanks again for all of the advice!

Charlie

Jameshar73

Hi,
I have posted on the site before and people have been very helpful but I am getting very worried now. I have a debt with Amex that I was struggling to pay and defaulted on. I was set a date by which I had to come to an arrangement with them and although I called within that date they said I was too late and the debt went to Newman.
They have become very aggressive, threatened me with bankruptcy and now have said the minimum they will take is £400 a month which I just cannot afford. I responded with a lower amount but a letter crossed with this that was again threatening. The original letter was not sent recorded and I have heard nothing so have since sent a copy of the letter as a recorded delivery which arrived today.
I have also done the CCA request - is this the right thing to do?
As I have not heard from them for some time I am getting very nervous that the next letter could be from their lawyers. I haven't phoned them but feel I need to get in contact. They have an e-mail address which I could use.
Any advice would be appreciated.

lifeonhold

Hi,

My story (short version) - last year my wife abducted my daughter from the UK and put her in a private school in another country. She left me with £20,000 worth of joint debt. Recently, my wife has decided to return my daughter to me back here in the UK because she has run out of money, can't afford to pay the school fees and has met another bloke.

I now have my daughter with me in the UK and we are currently living with my parents who are both retired. The debts are with 4 credit cards and 2 personal loans with one bank, all in my name. Up to now I have just been paying the minimum payments every month.

My wife refuses to give me any money towards the joint debts even though she now works full time, lives with her parents, and is saving up loads each month for her own personal use. She takes no repsponsibilty for her actions of her debts while we were together. Suffice to say, we are now separated with no intention of getting back together.

I can not stay living with my parents any more so will have to move out into private rented accommodation with my daughter. When I do this my salary will only cover our rent, basic living expenses, minimum payments on the debts every month with little else to spare

To cut a long story short, I feel trapped by my debts with no hope of clearing them for many many years. I have no savings or pension or assets.

Is bankruptcy a good option for me as I can see that it will free me from being trapped with these debts and allow me to start again with my life and my daughter?

I have looked into Debt Management but feel that Bankruptcy is a quick solution that could give me a fresh start.

Thanks for any advice.

billybop_2

my husband was made redundant in oct last year, he didn't tell me for a number of months and failed to cancel direct debit etc, due to this he stopped using his natwest bank account, he owed £6000 on an overdraft , he went to the bank to explain his situation and he got nowhere as at the time he wasn't employed so couldn't offer any money, he then told me last night that they he received a letter from irwin and mitchells saying that he had two weeks to pay £12000 to them or action would be taken, i am beside myself, i know i can reclaim bank charges but that takes time which is something i haven't got, i have told him to ring the solicitors tomorrow and tell them that i will be manageing the debt but whot do i say, can you offer me any advise, he is now employed and wecan make payments, he says he has told them this but they want the full amount, thanks,
caroline baguley
caroline [EMAIL="baguley@hotmail.com"]baguley@hotmail.com[/EMAIL]

bofndc

Yeah. It’s good to be yourself. Same with you, I will try to do something. So I support your decision!

CCCS_Sue

Charliebird wrote: »

Hi I am posting this here as you wonderful people at CCCS might be able shed some light....

Sorry need some advice AGAIN!! My husband has had a letter from RMA Resolve. He missed one payment with AMEX but I sent over two "nominal" payments one for July & one for August. In the letter I advised them that they were to be split and that we were having Financial difficulty and that we were talking to CCCS. It appears the letter to AMEX and the Sept Statement have crossed in the post. And as of yet AMEX have not cashed the cheque.
We now have a letter from RMA Resolve saying that AMEX have informed them of our financial difficulty. They are asking us to call them to set up a DMP with them - but obviously we are going into one with CCCS. I have seen all sort of horror stories with RMA Resolve and wondered if anyone could advise on the best course of action. I am about to send out a nominal payment to AMEX as the statment is due on the 4th Sept. Should I send it to AMEX or to RMA Resolve??

Thanks again for all of the advice!

Charlie

Hi Charlie and thank you for you message

It sounds as though Amex have passed to debt onto RMA so you will need to make any token payments to them for now.

If you have not had your appointment with us yet, and are waiting to speak to us, then explain this to them and again, just offer a token payment until we have looked at your options. Do not be pressured into entering into a DMP with them.

If you have already had advice from us and your DMP is in the process of being set up, then you should have a copy of the ‘notification of DMP’ letter you can send with your offer of payment.
If you have any problems with them, you can call our client support team.
If you need the telephone number, then let us know and I will PM it to you.

Regards
CCCS_Sue

CCCS_Sue

Jameshar73 wrote: »

Hi,
I have posted on the site before and people have been very helpful but I am getting very worried now. I have a debt with Amex that I was struggling to pay and defaulted on. I was set a date by which I had to come to an arrangement with them and although I called within that date they said I was too late and the debt went to Newman.
They have become very aggressive, threatened me with bankruptcy and now have said the minimum they will take is £400 a month which I just cannot afford. I responded with a lower amount but a letter crossed with this that was again threatening. The original letter was not sent recorded and I have heard nothing so have since sent a copy of the letter as a recorded delivery which arrived today.
I have also done the CCA request - is this the right thing to do?
As I have not heard from them for some time I am getting very nervous that the next letter could be from their lawyers. I haven't phoned them but feel I need to get in contact. They have an e-mail address which I could use.
Any advice would be appreciated.

Hi Jameshar and thank you for your message

Have you sent them a copy of your income and expenditure? This will show what you can realistically can afford after paying all your priority bills.
Then stick to the payment you can afford and make sure you pay it regularly every month even if they refuse your offer. Make sure you have proof of the payment. If they are not acknowledging your letters, then send them a postal order or set up a standing order.
You cannot pay them money you do have. If you try to pay more than you can afford, then you could fall behind on your priorities such as rent/council tax/utility bills/food etc.
If they do pass the debt to their solicitors, you can still make an offer of payment and try and negotiate a payment with them.
If they do go to court for a County Court Judgment (CCJ),you do not have to go to court. You would need to fill in the paperwork and send it back with your offer.
I have attached a link to our website which will give you full details of what to do if you get a CCJ. http://www.cccs.co.uk/faqs/legal.aspx

If you have made a CCA request, then they need to provide you with a copy of your original agreement before they can enforce the debt.

If you would like to speak to a counsellor about your situation, you can ring for an appointment on 0800 138 1111.

Regards
CCCS Sue

CCCS_Sue

lifeonhold wrote: »

Hi,

My story (short version) - last year my wife abducted my daughter from the UK and put her in a private school in another country. She left me with £20,000 worth of joint debt. Recently, my wife has decided to return my daughter to me back here in the UK because she has run out of money, can't afford to pay the school fees and has met another bloke.

I now have my daughter with me in the UK and we are currently living with my parents who are both retired. The debts are with 4 credit cards and 2 personal loans with one bank, all in my name. Up to now I have just been paying the minimum payments every month.

My wife refuses to give me any money towards the joint debts even though she now works full time, lives with her parents, and is saving up loads each month for her own personal use. She takes no repsponsibilty for her actions of her debts while we were together. Suffice to say, we are now separated with no intention of getting back together.

I can not stay living with my parents any more so will have to move out into private rented accommodation with my daughter. When I do this my salary will only cover our rent, basic living expenses, minimum payments on the debts every month with little else to spare

To cut a long story short, I feel trapped by my debts with no hope of clearing them for many many years. I have no savings or pension or assets.

Is bankruptcy a good option for me as I can see that it will free me from being trapped with these debts and allow me to start again with my life and my daughter?

I have looked into Debt Management but feel that Bankruptcy is a quick solution that could give me a fresh start.

Thanks for any advice.

Hi lifeonhold and thank you for your message

If you have no assets, and no surplus money left after paying all your priorities and no changes to your circumstances in the foreseeable future, then bankruptcy could be an option you could look at.
But there are other things you need to consider first and I would suggest you get further advice.
It is difficult to give you detailed advice without knowing your full financial situation but if it was suitable for your circumstances, it could be the quickest way to release yourself from your debts.

I would recommend that you make an appointment to speak to one of our debt counsellors.
If bankruptcy was your best option, then we do have a bankruptcy support team who could help and support you further.
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 Sue

CCCS_Sue

billybop wrote: »

my husband was made redundant in oct last year, he didn't tell me for a number of months and failed to cancel direct debit etc, due to this he stopped using his natwest bank account, he owed £6000 on an overdraft , he went to the bank to explain his situation and he got nowhere as at the time he wasn't employed so couldn't offer any money, he then told me last night that they he received a letter from irwin and mitchells saying that he had two weeks to pay £12000 to them or action would be taken, i am beside myself, i know i can reclaim bank charges but that takes time which is something i haven't got, i have told him to ring the solicitors tomorrow and tell them that i will be manageing the debt but whot do i say, can you offer me any advise, he is now employed and wecan make payments, he says he has told them this but they want the full amount, thanks,
caroline baguley
caroline [EMAIL="baguley@hotmail.com"]baguley@hotmail.com[/EMAIL]

Hi and thank you for your message

I have sent you a PM regarding this, but if you need any further help,let me know.
Regards
CCCS Sue