Ask a CCCS counsellor a question

CCCS_Sarah

nicnacnoo wrote: »

hi there, im trying to help my friend who has been with GregoryPennington for a few years now, i have told her about CCCS and will be passing her the number tomorrow, my question is, is the transition from GP to CCCS straight forward enough?
Thanx in advance, Nic

Hi Nic,

We would just complete a new budget with your friend to make sure a dmp is their best option, if so then we would send them all the paperwork they will need to set up a DMP with ourselves. If a DMP is not their best option, then we will talk through the other solutions.

Sarah

CCCS_Sarah

Northstar68 wrote: »

Hi there,

Please do you have a copy of the template letter handy which we can send to creditors which kindly asks them to reconsider charges and interest in light of our efforts to repay our debts through our DMP?

We are in month 2 of our DMP and feeling really down as our balance is increasing instead of decreasing, 12 creditors, only 2 have stopped interest and charges
Apologies if I have missed it somewhere.
Many thanks

Hi Northstar,

Don’t let it get you down it normally takes a couple of months for the creditors to settle down – stick with it. I have attached a link to the CCCS website that explains about interest and charges for you http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Chargesandinterest.aspx

I don’t have a letter I can give you, but if you are on a DMP with the CCCS then call out client support department and they will be able to help you.

Sarah

CCCS_Sarah

norm79 wrote: »

Hi,

Through mismanagement I managed to get a credit default on my hsbc credit card. i am almost in a position to pay the debt in full, but would like to negotiate the removal of the default as part of the payment. Can you suggest the best way to do this?

My thoughts are I can ask for it to be removed or I will continue with low payments and allocate the funds elsewhere?

or

Are there ways I can highlight to potential creditors I can afford thee payments. I have 4 years to run on this and now I have grown up a bit I dont want it to hold me back.

Thanks

Hi Norm79,

Thank you for your message.

The creditors’ will not remove a default unless it was added in error, it will stay on your credit file from six years from the date of issue.

Sarah

halphy

Hi ive had my appointment with CCCS And they have included my together unsecured loan from my mortgage, I need to write to my mortgage company and ask them to put all the money i pay to my mortagage, Can you advise what to put in the letter? Thanks

thepedestrian

Hi CCCS

Just a quick one ! - I have managed to scrape enough money together to offer a Full and Final settlement with BARCLAYCARD ( being dealt with thru MERCERS ) - which one of their operators have verbally accepted over the phone
My sticking point is that they wont give me anything in writing before I actually pay them the lump sum - only afterwards - a verbal agreement only

where do I stand ? - what is there to prevent them from taking the lump sum from what I owe them and carry on hounding me for the rest - with only a verbal agreement from an operator who wont even give me her full name ?

thanks in advance

cheapopete

Hello good CCCS people,

Last year I was put in touch with DFD via the Debt Advice Trust. I have signed an IVA proposal, but now everything seems to have ground to a halt due to a complete lack of communication between DFDs own departments.

The IVA was proposed on the basis of Northern Rock converting my mortgage to interest only, thus reducing my monthlies and leaving money available for my other creditors. (2 cards, one loan, one bank mobile phone etc) But it was all pushed through before NR had received my application to convert, which they subsequently have rejected, stating that I did not match their lending criteria.

DFD said that I may have to go bankrupt, but in the mean time someone from their end spoke to NR, and NR sent me another (same) form, with a letter saying that they had spoken with DFD and also their requirements had changed recently, so would i please fill in the app.

I contacted DFD, and faxed them the forms asking for advice on how to fill them in. They failed to call me back, and when I called a few days later, was told, we've been in touch with NR and they can't help you, so unless NR's 'Help' department can do something the IVA won't go ahead.

As it stands, creditors were contacted, but the Meeting of Creditors, was postponed. During this time, I have been making full payments to NR, but have some arrears to sort out.

My main financial prob is that after events that ocurred last year, I can only pay the full mortgage if I get overtime (of which there's plenty now) or find extra work, and there's nothing left to pay the other debts,(according to DFD's 'suggestions' about my outgoings on the IVA).

I have suffered with tinnitus for many years, and am very disorganized. This makes form filling very stressful. I have been very depressed for various reasons. So I could do without this confusion. I work in a machine shop without too many problems.

Ironically, in the last week or so, I have started to become angry about the whole situation, which is better than the depression.

I have a reasonably friendly solicitor, and was thinking about a letter from him to dismiss DFD.


Thanks in advance for any help.

Pete. :¬)

Phil-1956

CCCS_Sarah wrote: »

Hi Phil,

Thank you for your email.

I would recommend that you call for an appointment as soon as possible for the CCCS to help you complete a detailed budget and look at your options. You will need to speak to your mortgage lender as soon as possible and come to an arrangement for the missed payment.

With regards the CCJ, if this was going to affect your work then you could apply for a Tomlin Order. You would need to find proof from your governing body of how a CCJ would affect you.

If the creditor agrees to a Tomlin Order, a document or schedule would need to be drawn up by a solicitor or a court appointed mediation service. This would then be presented to the court to agree the order. Solicitor’s fees for this service vary depending upon the complexity of the case.

If you default on the order, the creditor can return to the court and apply for a judgment to be entered without having to re-start proceedings.
The order then becomes public and will be registered as a CCJ with the same enforcement options e.g. bailiffs, attachment of earnings etc.

Sarah

Thanks for the reply & subsequent phone conversation. I asked the solicitors to convert it to a Tomlin order & they agreed. Their terms however are exactly the same as the terms for not proceeding with the CCJ. ie I have to pay them the full amount owed including interest that has already been added on to the loan for the original term (Until March 2015). Failing that I can pay them £490 per month. (Original loan payments were £384 per month) This is plainly impossible unless I go into further arrears with the mortgage & pay no other creditors (My DMP payments are £200 per month).
Any advice ? Can I file a defence that they are being unreasonable & unrealistic. That their demands are prejudicila to other creditors, & that they should not be demanding the full amount of interest as the term has another 5 years to run (& I would be entitled to a rebate if I could repay early).
Thanks in anticpation

Phil

noregrets2010

Hi there,

I'm in the process of getting all my paperwork together etc in order to apply for a debt relief order through CCCS.
My car is currently for sale and I just have a quick question regarding the proceeds of it.
A friend has lent me the money to pay the HP finance off on my car which was £4182. I'm hoping to sell my car for a minimum of £5250 which means I would have £1068 left over. I'm aware that I have to split the proceeds with my creditors, however, I do really need another car as the university I go to is over 50 miles away and I'd end up spending nearly double on public transport commuting there than if I had a car.
So basically, am I allowed to buy a car up to the value of £1000 with the sale of my car once the finance loan is paid off and then split the proceeds with my creditors?

Kind regards

Noregrets2010

thecrafypenguin

I entered into a DMP with CCCS in January and just when I was starting to relax and think we had finally got our finances under control I got a letter from Abbey saying our loan is in arrears. Having phoned them they told me that they never enter into arrangements or reduce interest because it is a loan and all they will do is monitor it then after 7 months pass it to a debt recovery agent. What will happen then with regards to this and will I be expected to pay the loan back in full, this has got me very worried.

Thanks

CCCS_Matthew

MissDemeanour wrote: »

Quick question on behalf of my son. He failed his 1st year at University, and owes some money (now over £2500) to the accommodation office for his halls of residence. He went to see them last week, but they have now passed the debt on, and he received a letter advising of court proceedings if he didn't pay in full by today. He called the debt collection people yesterday offering to pay £50 per month, but they would not accept anything less than clearing the debt in 12 months. He has a small overdraft of about £200, and about £120 in a savings account. He has no job, and hasn't even signed on for Jobseekers Allowance yet, or housing benefit, although he could have done so in October. He is going to try and see someone at CAB tomorrow, but is worried what will happen if he can't speak to anyone. I think he is verging on clinical depression, which is why he has done nothing about his debts or claiming benefits, and doesn't seem to be able to do anything for himself. I am going down on Thursday, but want to help sort things before then if possible. I am trying to prevent a CCJ being registered at this address too, as I assume it will affect our own credit rating. Your adv ice would be appreciated.

Hi there.

It's important for your son to offer something towards the debt and pay it regardless whether or not the collection agency are happy to accept it. This will illustrate the fact he's not trying to run away from the debt and will also reduce the chance of getting a CCJ.

He really needs to get signed on as quick as he can, as otherwise he'll be soon in a position where he will have no funds to even offer anything towards the debt which will leave him in a difficult position financially.

If the collection agency did go for a CCJ it would only affect your son's credit file. The address he lives at does not have an impact on things, so your credit rating will not be affected. If a CCJ is granted he will only be made to pay what he can afford as through paperwork the court will ask to see a breakdown of his income and expenditure. It's probably worth me pointing out that bailiffs can only be involved in the event that the terms of a CCJ are broken, as many people are concerned that bailffs can be send once the debt has been passed to a debt colleciton agency.

Once your son has got an income, it may benefit him to come for an appointment to help him to draw up a budget and see what his options are. It maybe that he gets the help he needs from the CAB but if not, he's welcome to book a telephone appointment on 0800 138 1111.

Regards,
Matthew.