Ask a CCCS counsellor a question

CCCS_Sarah

Vicky70 wrote: »

Hi,

If you could be kind enough to answer my question it would be much appreciatted. My husband was a part owner of a small ltd company that went bankrupt last year. He had taken out an MBNA credit card which although was in the company name he seems to think it was a personal credit card agreement. MBNA's solicitors have now issued a CCJ against us but just wanted to know if as it was used for a business that has now gone bust are we still liable for the debt.

My husband subsequently found a job as an employee but then was made redundant and is now on jobseekers allowance. We have taken advice and are making token payments to the companies we owe money to. However, I just suddenly thought as this credit card was connected with his old business should it be treated any differently to our other credit card debt????

Thanks in advance for your help
Vicky

Hi Vicky,

Thank you for your message.

If the debt is a personal debt or your husband signed as a guarantor then he would be liable for the debt. He will need to complete the forms and send them back as soon as possible with an offer of repayment (that’s if he is admitting the debt).

As your husband is on benefits then he could just offer £1pcm if that’s all his budget supports. He should not feel pressured into paying more than he can afford.

Sarah

CCCS_Sarah

lmclean100 wrote: »

Thanks for that, one of my creditors has threaten a Charging Order unless I pay off the whole amount by the end of the month.

Not worrying about it though, as they have consistently ignored all my letters (sent registered post), so if it does go to court then I've proof that I've tried to negiotiate and offer what I can afford to pay. Nothing else really I can do.

If you would like to come for an appointment to discuss this with one of our counsellors in Scotland, you can call our helpline on 0800 138 1111. They will then get you booked in for a telephone appointment asap.

CCCS_Sarah

LittleMissSkint wrote: »

Hello!

Quick question, I signed up for DMP thorugh CCCS debt remedy. Today I rceeived the initial thing to sign and send away all my statements, letters and proof of income. I just wondered how long it takes roughly between sending off the signed DMP thing today and receiving my welcome pack and having it all confirmed and ready to go?!

Thanks!

Hello,

DMP’s always start on the first of the month, so it’s unlikely that the plan will start on the 1st November I assume it will be the 1st of December. If that is the case you will need to just make your creditors a token payment for November just until the plan is up and running. You will receive your welcome pack soon after we receive the information back from yourself.

I would say give the CCCS a call though because if you have all your information then you maybe able to start from November.

Sarah

LittleMissSkint

CCCS_Sarah wrote: »

Hello,

DMP’s always start on the first of the month, so it’s unlikely that the plan will start on the 1st November I assume it will be the 1st of December. If that is the case you will need to just make your creditors a token payment for November just until the plan is up and running. You will receive your welcome pack soon after we receive the information back from yourself.

I would say give the CCCS a call though because if you have all your information then you maybe able to start from November.

Sarah

Thanks, I was really hoping to get it set up to start on November 1st. Have just posted back all the paperwork now so hopefully I will get my welcome pack and start date before the post goes on strike. I imagine even my token payments will have trouble going through then, and that's maybe next week

CCCS_Sarah

LittleMissSkint wrote: »

Thanks, I was really hoping to get it set up to start on November 1st. Have just posted back all the paperwork now so hopefully I will get my welcome pack and start date before the post goes on strike. I imagine even my token payments will have trouble going through then, and that's maybe next week

If your things are in the post to us it maybe November… fingers crossed!

Good luck with your plan and if you have any questions please give me a shout!

Sarah

LittleMissSkint

CCCS_Sarah wrote: »

If your things are in the post to us it maybe November… fingers crossed!

Good luck with your plan and if you have any questions please give me a shout!

Sarah

Thanks! It will make a nice change for my postie for me to be looking for him instead of hiding from him :rotfl:

thepedestrian

Hi CCCS

Just a quick queerie - we owe a few cc and are paying them nominal fees - which most accept and the others do but carry on writing and ringing anway from time to time - AND also send regular statements showing 0% interest added

except ONE - C L LEWIS who have taken over 3 of our accounts from other sources, so we owe them a third of all our debts (9k ) but havnt heard from them ( statements or phone calls ) for months - even though we are paying nominal amounts for the 3 accounts they hold ............. should I be worried they are up to something ? - as I say the other creditors send statements and worry letters on a regular basis - but not them !?

clairek21

Hello

me and my boyfriend are in debt and feel like there is no way out. My boyfriend went to start a course with advent, whom took out finance with barcleys (£8,000). He couldn't afford to pay them back , so we did ask for them to lower the monthly payments But it did get too much and we hve stopped paying them. My boyfriend doesn't do the course anymore and advent haven't been in touch. We also took out two smaller loans with my bank lloydstsb. But with everyday living and bills on top, everything sems to much. My boyfriend has spoke n to trapped.co.uk......

ANY advice / help please?

thanks

Claire

CCCS_Sarah

thepedestrian wrote: »

Hi CCCS

Just a quick queerie - we owe a few cc and are paying them nominal fees - which most accept and the others do but carry on writing and ringing anway from time to time - AND also send regular statements showing 0% interest added

except ONE - C L LEWIS who have taken over 3 of our accounts from other sources, so we owe them a third of all our debts (9k ) but havnt heard from them ( statements or phone calls ) for months - even though we are paying nominal amounts for the 3 accounts they hold ............. should I be worried they are up to something ? - as I say the other creditors send statements and worry letters on a regular basis - but not them !?

I wouldn’t worry too much about this, debts tend to go in cycles i.e. the debt will be passed to one company and they will try and work the account, then it may get passed back to the original creditor then somewhere else. As long as you are paying what you can afford you will be fine.

Sarah

CCCS_Sarah

clairek21 wrote: »

Hello

me and my boyfriend are in debt and feel like there is no way out. My boyfriend went to start a course with advent, whom took out finance with barcleys (£8,000). He couldn't afford to pay them back , so we did ask for them to lower the monthly payments But it did get too much and we hve stopped paying them. My boyfriend doesn't do the course anymore and advent haven't been in touch. We also took out two smaller loans with my bank lloydstsb. But with everyday living and bills on top, everything sems to much. My boyfriend has spoke n to trapped.co.uk......

ANY advice / help please?

thanks

Claire

It’s difficult to give you detailed advice on your options as we don’t have your full financial details. However 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.