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CCCS_Matthew

Digitalscooby wrote: »

It has taken some time to set up my new basic bank account (due to the bank losing the first lot of forms). Anyway, that is now done and both our December salaries will go into it. All of the key direct debits have also been moved over.

I have completed the National Debtline DMP forms and will send them back tomorrow. They will refer us to CCCS. In the meantime we have 4 creditors (all ccards) who have not been paid this month and who I cannot afford to pay anything to until next Monday (payday). I haven't written to them with token payments because it has taken time to get the account in place and I didn't want to jeopardise the money we do have left in Lloyds (two of the ccards are with them).

My question is this - I know it takes time to set-up the DMP payments but how quickly will CCCS send initial letters to the creditors? If they will write before Xmas (say) then do I need to write as well?

I am happy to speak to the creditors on the phone if they ring me (apart from the one that rang me at work last week!).

DS

Hi DS.

We always aim to set up a DMP for the first working day of the following month. Given you've not yet recieved your DMP paperwork, I'd suggest your DMP is likely to be set up for February.

We can only start sending proposals to your creditors once we've recieved the information back from yourself so the quicker you send everything back, the quicker we can make contact. When you recieve your DMP pack you'll have a template letter called 'notification of a DMP' which you can send to your creditors straight away which will normally give you a bit of breathing space until your plan starts.

Hope this helps,
Matthew.

CCCS_Matthew

cutters_choice wrote: »

To whom it may concern, i just got a letter from this agency claiming that was owing 475.02 from o2 in 2001 i tried to speak to 02 but kept passing me back and forth.I was in a contract with o2 for 2 months i cancelled it because i was promised i could use the phone abroad in my mins as soon as this was not the case i brought the phone back and cancelled the bank as well, i treid to explain that the person who sold the phone to me was not in any time i called in to the shop i tried again and again but to know avail and without any form of comuncation i started getting letters for this company red i explained this to them and they said they would investagate this and left it at that as i moved to ireland and heard no more, now 8yrs this has come up come up again i phoned them and explained and ask them to send out all the paper work i am still waiting,what do i do now or how do i stop these guys from hassleing me.

Hi there.

It's likely that if you've made no contact with the company or made no payment to what is claimed the debt is likely to be statute barred. This means that the debt is unenforceable through the courts which is usually enough to stop creditors chasing for the payment.

In order to make a claim that the debt is statute barred you would need to send them a letter, which should say something like:

Dear Sirs

I do not admit any liability for your claim and will not be making any payment towards it, as it is now more than six-years since any cause of action may have accrued. Any claim would, therefore, appear to be statute barred under section 5 of The Limitations Act 1980 and any court claim will be defended on that basis.
In addition section 2.14 of The Office of Fair Trading Collection guidance states that it is unfair to pursue such claims where, as here, the creditor has made no contact during the relevant limitation period.
If, however, you have substantive evidence that your claim is not statute barred then please supply it to me within 21 days. If you are unable to provide such evidence please confirm that no further action will be taken against me.
Yours faithfully

Hope this helps,
Matthew.

Digitalscooby

CCCS_Matthew wrote: »

Hi DS.

We always aim to set up a DMP for the first working day of the following month. Given you've not yet recieved your DMP paperwork, I'd suggest your DMP is likely to be set up for February.

We can only start sending proposals to your creditors once we've recieved the information back from yourself so the quicker you send everything back, the quicker we can make contact. When you recieve your DMP pack you'll have a template letter called 'notification of a DMP' which you can send to your creditors straight away which will normally give you a bit of breathing space until your plan starts.

Hope this helps,
Matthew.

Thank you Matthew.

I have spoken to 3 of my 5 creditors today (two rang me). I told them where we are up to and said we had sent the papers to you. I said we were still a little away from agreeing a DMP and sending letters. I said that if there was any delay then I would write to them at the end of the month with token payments.

As soon as I mentioned CCCS they were all really pleasant. "Thank you for letting us know - we won't ring you for a couple of weeks - we've noted the file" etc.

Thanks for your help.

DS

girlypink

Hi

im currently setting up my DMP with CCCS, i have to send off copies of my current statements and my current wage slip. How do i stand with the fact that some spending will not show on my statements until next month and my wages in nov/dec show a petrol allowance as i have to travel re work and then get the money back so it is higher than a normal month.

thanks in advance

paulacoco

Can someone help please?

I am being chased by Wigan council for an alleged debt. However, they have not provided any dates or details as to what is supposed to be for. It just says "Former Arrears £450" with a date upon which I terminated the tenancy (not the date the debt is allegedly from). I have written to them, asking for a breakdown of amounts and dates but this has not been forthcoming and they continue to chase.

My question is, is there any law, legislation etc. that states how an invoice or a statement of debt needs to be specified by a creditor?

Thanks

CCCS_Sue

girlypink wrote: »

Hi

im currently setting up my DMP with CCCS, i have to send off copies of my current statements and my current wage slip. How do i stand with the fact that some spending will not show on my statements until next month and my wages in nov/dec show a petrol allowance as i have to travel re work and then get the money back so it is higher than a normal month.

thanks in advance

Hi girlypink and thank you for your message

Just put in a note to explain your petrol allowances, etc., when you return your wage slips and statements.
If our client support team need further clarification, they will contact you.

Regards
Sue

CCCS_Sarah

paulacoco wrote: »

Can someone help please?

I am being chased by Wigan council for an alleged debt. However, they have not provided any dates or details as to what is supposed to be for. It just says "Former Arrears £450" with a date upon which I terminated the tenancy (not the date the debt is allegedly from). I have written to them, asking for a breakdown of amounts and dates but this has not been forthcoming and they continue to chase.

My question is, is there any law, legislation etc. that states how an invoice or a statement of debt needs to be specified by a creditor?

Thanks

Have you tried writing a formal letter to the council asking for a breakdown and making a complaint?

aero1607

Hi been on DMP now for 5 months now with no problems however today recieved letter from M&S money offering me settlement figure which i cant obviously afford and default notice saying been in arrears for £747 which i cant pay.They say that if they dont recieve payment they will take further action then they go on to say you can apply to the court for more time.Well im bit confused firstly im on DMP,secondly the letter is from M&S Collections & Recoveries Department,which i think im right in saying is not collection agency just in-house.This is the first letter recieved from them for 3 months they initially said they could not accept my payment offer because it was just below the minimum they required then they changed accepted it and they stated that they would review after 12 months,im totally lost why the different messages

jules23958

Hi
I have come to the CCCS section of the forum although this is really a student loan query as I don't seem to be getting any help.
I went to university between 1994-1999 with a degreee and then following on with a pgce. I had to leave my pgce half way through then went back a year later with the result that I have 5 student loans.
As I am 51 I was under the impression that your student loans were wiped after 50.
However I have some arrears though not directly for my own fault. I divorced in 2000-2001 and as a result had a lot of debt including my student loans. The debt was very high so I consulted Norfolk Money Line (part of citizens advice bureau) and signed a power of attorney for them to act on my behalf. They said that it would be best to go bankrupt and as such not worth deferring my student loan. However, I did not have the money at the time to go bankrupt and since then they removed student loans from bankruptcy relief. I later moved to a solicitor Ian McNally under Allan Rutherford for help with debt, housing, maintenance problems and signed two separate powers of attorney for him to act. However, he did not act for debt though I have proof he consulted utilities and my ex husband and housing but he does not appear to have contacted student loans with the result I went into arrears.
He is now claiming I only consulted him for housing issues though I know this is not true and on the second time we went back he seemed to have lost all of our documentation.
Then in October 2002 I became so unwell with stress and Crohns disease I had to stop working until September 2005. I received requests for payment from student loans but continued to send them into the solicitor assuming that he was dealing with them for me.
In September 2005 I returned to work and contacted all my debtors telling them I was planning to go bankrupt and could they give me all their details. I saved enough in April 2007 and went to court to go bankrupt. I was discharged in October of the same year as no monies were found to pay the creditors.
I received notification from student loans that some of my accounts were going to Thesis Servicing and under my bankrupty the official receiver allowed me to pay £100 towards the student loan debt. This was divided between student loans and thesis servicing. Then a year ago I got a letter from student loans saying that the 'agent' who was giving them the money no longer was doing so and I needed to instruct this person and pay them instead. I wrote to thesis servicing asking them where they were getting their money from and they said they had an SLC agency cheque for £57.31 each month. I responded back to Student loans that they were sending Thesis a cheque each month and asked them why they were not getting the money. It seemed that they were but they wanted more. Now a year later they have been constantly harrassing me for more money and they have sent another of these strange letters out which doesnt make sense as they already are getting paid.
Where should I start?

laineygirl

Posted on 11th about non delivery of fire.
Success.
Sent email threatening internet watchdog, internet banking practices regarding payment and the promise that it could curtail their business from accessing funds from internet customers for up to 6 weeks whilst things were looked into. (Dont know whether these exist or what but sounded good on paper)
Threatend to write letters to TV companies who they have supplied and use to promote their business,Trade bodies and associations and a load of other agencies. It did the trick, within 20 minutes of sending it (after 6 weeks and 10 emails without an answer and no contact from anybody in their company, (Its internet you know all run via the web said the man from the Megastore whose email address is the same) A man called Bob telephoned to say that there had been a dreadful mistake, not his companies fault and he'd arranged (at expense to them,'we're not making money on this', as though it's our fault) for our fire to be sent from a company in Sheffield (where we live) would be with us in 4 days.
We phoned the company Plumb Centre who said it had been ordered but for delivery in January!!!!!!! We explained to them what had happend and they ordered it from their own supplier couldn't do enough to help us and it wasn't even their problem. We collected 2 days later. He would have delivered but we were passing.
THEY DID SAY THAT IF WE HAD A WEB PRICE THEY WOULD HAVE MATCHED IT, NOW THEY TELL US.
Anyhow..........
RESULT