Ask a CCCS counsellor a question

CCCS_Sarah

tedsd wrote: »

Hi Matthew, thanks for the reply..I went to the post office this morning and bought 10 £2.00 postal orders whic cost me £25 with the 50p fees, then wished I had only bought £1.00 postal orders... plus the lady said that it would also cost me £1.14 to send them recorded... Yikes! Is this normal or am I missing something obvious? When I asked about paying over the counter, does it have to be paid through the bank on the bottom of their pay slip, ie. I can't just go to any bank?

Postal Orders can work out a little expensive; you could make the payment via a standing order if you have their bank details. This way you are not paying any extra. I’m not too sure with regards the payments slips I believe that it may have to be that bank – I’m sure someone will correct me if I’m wrong.

CCCS_Sarah

danduryeau wrote: »

I filled out a Debt Remedy online form with CCCS. How long will it take to receive a phone call/contact from them please?

Hi danduryeau,

You should be given a booklet at the end of Debt Remedy with all your options. I would recommend that you give the Debt Remedy team a call. I will PM you their number

Sarah

CCCS_Sue

JimCha18 wrote: »

Hi,

Can someone give me an example of an unenforced credit agreement.

What reasons are their that would make it unenforceable?

Many Thanks

Hi Jimcha18 and thank you for your message


Two examples of this would be:-

If a creditor cannot provide the information, or prove that you owe a debt, they cannot take any enforcement action against you until they do.
This would be if you had received a letter asking you for money for a debt you had no knowledge of, or if you disputed an amount outstanding.

Another example is if the debt is statute barred under the Limitation Act.
The Limitation Act 1980 sets out the rules on how long a creditor has to take action against you for a debt , for example, take you to court.
The time limits are different, depending on the type of debt that you have. It is usually 6 years.
Once the six year term has elapsed the creditor will be out of time or “statute barred” from suing for the debt if:
The creditor has not already obtained a county court judgment (CCJ).
The debtor or any one else owing the money (on a debt in joint names) has not made a payment on the debt during the last six years.
The debtor has not written to the creditor admitting they owe the debt during the last six years.
Regards
Sue

CCCS_Sarah

halphy wrote: »

Hi I just have a quick question, I haver been in contact with CCCS and have an appointment on the 28th. Im just arranging to call my creditors which an option to freeze interest/charges. I have £300 a month free to pay them, which would be £30 pm as I have 10, one of my creditors i pay £20 a month do i keep that as £20 or bump that up? Also a catalogue i have i am on a low apr with a fixed payment each month of £37.44, Do i still call them with the same question? Thanks very much . One last thing (sorry!) How to I word the question to the creditors about lower payment/freezing interest? So i dont sound stupid!

Hello,

It wouldn’t really make a difference as it’s just a token payment until you have had your appointment. Your letter would not need to go into too much detail, you could put something along the lines of “I am currently experiencing financial difficulties and have an appointment booked with the CCCS on the 28th Jan, please accept my goodwill gesture payment of £x and stop all interest and charges on your account. I will be back in touch after my appointment”

Hope this helps
Sarah

CCCS_Sarah

Emski_1 wrote: »

Hi Sarah,

I am gradually paying off my debts via a dmp with Payplan and have been doing so since 2007. I'm now in the fortunate position where I have a lump sum that covers 50% of my debts. Is it better to contact my creditors directly and negotiate on the full and final settlement myself? Or should I go via Payplan to arrange this? Could I contact CCCS directly to help me with this part?

Thanks in advance and thanks to all that post on the forums, it really has been a great source of information.

Hi Emski,

Thank you for your question.

We would be able to send you sample letters if you wished to contact them directly to offer them full and final settlements. Depending on your situation you could also possibly look into a lump sum IVA as this would be legally binding.

If you would like to discuss this in more detail you could call for an appointment on 0800 138 1111.

Sarah

CCCS_Sue

rainbowj63 wrote: »

Hi i wonder if you can help i had a telephone appointment with yourselves at cccs on thursday as i was desperate to sort out my debt problems and was expecting to do a DMP however when i went through things on the phone i was advised that i should go for a DRO as my outgoings were so high and unlikely to change, there was not enough to pay off my debts.
I have all the paperwork to do this but am worried what is the likelihood of me being refused the DRO and not be any further down the road of tackling my debt problem as i am so worried i will start getting knocks at the door. I tried to give accurate information to the counsellor but am worried in case there is something i have forgotten or recorded wrongly.

How often dothey get confused, sorry but been up all night worrying
many thanks

Hi Rainbowj63 and thank you for your message

Try not to worry

It is good to hear you are closer to a solution to your debt situation.
I cannot say whether you would be refused a DRO without knowing your full situation, but if you have been referred by your counsellor then they must have thought you had all the right criteria.
Just make sure that you do not have any extra debts you may have forgotten about.
A copy of your credit file would should show if there any other debts . As long as the total does not exceed £15000 then you should be fine.
With regard to ‘getting knocks at the door’, a collector does not have any special powers and is not a bailiff. A bailiff can only visit if you have a CCJ and you have not kept up the payments or you have ignored it.
Regards
Sue

CCCS_Sarah

tedsd wrote: »

Hello, thanks re the banks advice and for telling me a little about your experience.Felt a bit emotional reading it, it sounds like it really got to you especially as you asked them not to... I owe pretty much the same seem to be about 3 months behind you in terms of sorting things out... the phone calls have started, I already dread arriving home from work and hearing the phone ring... I have 9 creditors so from you've said the pressure is likely to build up...and hopefully then get quieter...

Sounds like most of your creditors have been ok.... Good luck and thanks..

Hi Tedsd,

I you find the calls are getting too much you may want to use this letter, you still receive the calls keep a log of the dates, times and peoples names if possible and look at making a complaint.

Sarah

To whom it may concern


Dear Sir/Madam

I am writing to ask that you no longer contact me by telephone as your calls are causing me considerable stress due to the frequency, and that they are being made at inappropriate times. Please remove my telephone number from your database and send all future communication in writing to my home address.

I have provided the most recent copy of my income and expenditure to make you aware of my current financial situation. I will continue to make my payment of x on the x of every month and will keep you informed of any changes in my circumstances as I am keen to resolve this issue as soon as possible.

I understand that following this request if you continue to call I can contact the Office of Fair Trading to make a formal complaint.

Please confirm in writing that your records have been amended.

Yours sincerely

CCCS_Sarah

gerturdeanna wrote: »

Hi - I was expecting my CCCS DD payment to leave on the 15th but it hasn't yet - which number is the best to call??
TIA Gert x

Hello,

You will need to call our client support department; the number will be on your statement. Let me know if you cant find it and I will PM you.

Sarah

CCCS_Sarah

twoflower169 wrote: »

Hi - We are currently on a DMP with CCCS and we have 2 small debts of £600 and £175 in amongst our larger debts and we were wondering as we both do overtime whether we can pay these debts off individually if we save the overtime money? If so do we need to speak to cccs or can we just approach the company's involved?

Thanks TF x

Hello,

I would recommend that call our client support department as they will be able to take a look at your account and see your best options.

Sarah

CCCS_Sarah

michelle45 wrote: »

Hi
Taken the first step and applied on line - it will take (if they stop interest) 4years 6 months to get rid of my debt but at least I will be able to sleep. Would you be able to send the paperwork to my works address as I do not wish my partner to be made aware of the terrible mess I have made of my life.

Thanks

Michelle

Hi Michelle,

You would need to call our Debt Remedy team, information usually goes to the address that you give us or we could email the information to you and then you could just print it off.

Sarah