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jillie1974

CCCS_Matthew wrote: »

Hi Jillie,

Are you on a DMP with the CCCS?

Matthew.

oops forgot that bit
yes we are.

cherrypie556

Hi, I enquired only with trapped.co.uk who want me to enter a DMP and pay for it. When i told them that CCCS is free i got this 'The CCCS are actually funded by the creditors and don’t actually deal with the credit until the account goes into Default status. The OFT are also investigating The CCCS.'
Is this true?

We are desperate to get some help with our debts but as we have been paying everything on time we haven't defaulted so does this mean that the CCCS cannot help us?

cheesedoffwithdebt

HI-I am in a DMP with Payplan, and have made consistent payments since it started in March of this year. All creditors have quietened down now bar one, EOS who have had my debt referred by Freemans.
They first wrote to me in July so I called them, told them Payplan were acting and they were very polite- told me they would note their systems, however I still wrote to them to confirm the conversation. Payplan were informed also and they said they had sent a statement of affairs over, and that they could send online notifications to EOS>
Three weeks later I received a very nasty letter from EOS telling me that " as they had had no reply" they were sticking 15 pounds onto my account and would have to consider action.
I called- told the surly lady at EOS that I had phoned and written, and that Payplan had written and sent them online notification. She denied they had received anything so I just took that as rubbish.
I wrote again- sent the letter recorded delivery, and sent them copies of earlier correspondence. Payplan also faxed over another letter and all went quiet until this week when........... EOS write two threatening letters, one saying that " as they have had no reply etc" they would instruct their solicitors. payplan called them and they said oops, the letter had gone out in error.
The next day I got a letter saying I had failed to adhere to the payments agreed so I called them and got another rude man- I asked him why they were not corresponding with payplan to which he replied "it's not them that owe the money".
Frankly I think these are not errors- it's EOS trying to exert pressure by sending lots of erroneous letters.
I've reported them to the OFT- and told them the other day but they replied that they really weren't that bothered.
Payplan give me the constant impression that they are not actually acting in my best interests- when I spoke with someone there the other day she just said "oh this is normal from creditors" but they give mixed messages-so I am stuck- EOS are way out of order in my view- Payplan had sent them a payment this month but they said because it had arrived 2 days early their computer had sent the failure to pay letter out- and Payplan seem way to relaxed and unconcerned about the rights or wrongs of this- what do I do?

cheesedoffwithdebt

cherrypie556 wrote: »

Hi, I enquired only with trapped.co.uk who want me to enter a DMP and pay for it. When i told them that CCCS is free i got this 'The CCCS are actually funded by the creditors and don’t actually deal with the credit until the account goes into Default status. The OFT are also investigating The CCCS.'
Is this true?

We are desperate to get some help with our debts but as we have been paying everything on time we haven't defaulted so does this mean that the CCCS cannot help us?

I am not with CCCS but in advance of their reply I would say that what you have been told is rubbish- Payplan are funded by the credit industry yes, but the OFT are definitely not investigating!

beenzo1

Hi i have a major problem with 1st credit, they are trying to make me bankrupt over a 6400 pound credit card debt, i was struggling with payments over 2 years ago and stopped paying last year after threats that they would put a charging order on the house if i didnt up the payments. i have a small baby now and am struggling with high mortgage payments. i contacted the FOS who were looking into the matter and 1st credit have now replied to me asking what is the complaint. i want this bankruptcy to be stopped but i cant afford any payment plan. what should i do???

cherrypie556

cheesedoffwithdebt wrote: »

I am not with CCCS but in advance of their reply I would say that what you have been told is rubbish- Payplan are funded by the credit industry yes, but the OFT are definitely not investigating!

I thought this also! Just them trying to get money out of me which isn't going to happen. Thanks

simond503

Hi my name is simon i have filled out the form on the cccs wbsite and opted for a dmp we have recieved the info back from cccs and now just have to return with proof of earnings etc so that our creditors can be informed. only problem is is that just too scare to take the final step will creditors definately accept proposals as nat west say already they will put an order on ur house this is frightening stuff...please help

Cdaae

Hi
I have a paypal account that is connected to my ebay account. A while back I sold something on ebay, and the buyer claimed not to have received it. Paypal issued the buyer with a refund, which amounted to £19. Paypal are trying to recover this money from me, and have referred it to debt collection agencies.
Do I legally owe them anything? I have contacted them and the agencies saying I dispute the debt, but they are ignoring my letters and sending me more letters saying that I am ignoring them. What can I do about this? Do I actually owe this money to paypal?

Thanks

LouB2

Hello
I am reclaiming some charges on behalf of a friend who is in financial hardship. He has been in touch with the CCCS who were very helpful they did suggest a DRO but he is keen to try and work things out himself. I have managed to get token payments accepted and reduced interest on his 2 credit card debts so with the extra cash he is saving he is slowly paying off his other debts. I have recently been sucessful in claiming a huge £2153 back from a missold PPI with the Halifax credit card, initially they said they would deduct any money over his credit limit (£265) and send him a cheque for the rest, but in the latest letter they are saying that they will pay all of the money into his credit card account and he will not be able to access it. I understand that he owes them money but he is gradually clearing that debt, I also feel that if he had not been overpaying for such a long time he wouldn't be in such a muddle now. Do you know if it is leagal for the Halifax to do this? The money could be far more useful paying off urgent debts such as the Tax man. My friend is self employed and barely keeping his head above water.

cheesedoffwithdebt

cherrypie556 wrote: »

I thought this also! Just them trying to get money out of me which isn't going to happen. Thanks

Yes- sorry I wrote my first reply in a hurry. As far as I know, and no doubt CCCS will verify, CCCS have no links to anyone. Payplan on the other hand who I am with, are funded by the credit industry and in my view, on a number of occasions, show that by seemingly accepting creditor bad behaviour ( see my post). It sounds to me like the company you mentioned charge fees and it's their income which is at stake so they perhaps have some dodgy motives!