Ask a CCCS counsellor a question

hopefull1

Hi

I am on a dmp with CCCS which up to yet has been going well nearly 2 years in and another 5 to go. I have heard that a statutory debt management plan is due to be implemented just wandered if anyone had anymore information on this like whrn its likely to come in place and any details about the plan itself.

Many thanks

CCCS_Matthew

halphy wrote: »

Hi If my husband has a debt with a company that we also bank with (as a joint account and I have one seperate) with they stop the banking services? We are starting our DMP at the end of this month.

Hi there.

They won't necessarily close the account down, but they could offset money from the joint account to pay keep the debt up to date each month. To avoid this we would advise to get a basic bank account with a bank you have no debts with, as this prevents anyone from being able to 'dip in' to meet the full payments each month.

Regards,
Matthew.

CCCS_Matthew

hopefull1 wrote: »

Hi

I am on a dmp with CCCS which up to yet has been going well nearly 2 years in and another 5 to go. I have heard that a statutory debt management plan is due to be implemented just wandered if anyone had anymore information on this like whrn its likely to come in place and any details about the plan itself.

Many thanks

Hi there.

Statutory DMP's have not been confirmed at this stage. At the moment, the idea is in discussion with the Government so it's far too early to say whether or not they will come into action, and if so who will offer or adminster them.

If there is a change of Government in May things could change again, so there is certainly nothing set in stone yet!

Regards,
Matthew.

Northstar68

Hi CCCS,

First of all, just a big thankyou for you help and support.

We are in month 2 of our DMP and I just wanted to check it was ok to still go ahead and reclaim the unfair charges from the credit cards only? I just wanted to be sure that we are still allowed to do that even though we have officially started our DMP?

Many thanks!

Gettingontopofdebts

Hi
Please can you advise me what to do. I have been on a DMP with CCCS for the past 3 years having payed back about £33,000 to various creditors. 18 months ago my monthly payment was reduced from £920 to £820 therefore all the creditors have been receiving slightly less payments. All have been fine apart from Barclaycard. They keep on telling me that they are not receiving my annual review and proposals from the CCCS, and in turn CCCS keep on electronically sending them on my request. In the meantime Barclaycard have started adding interest on my monthly balance.
Because I was becoming quite distressed on the phone last month (I am also recovering from cancer) a lovely lady from Barclaycard told me she would reset the monthly payment whilst I was actually on the phone with her (she could see my faultless payment record over the 3 years). But on receiving my monthly statement this morning I could see that this has not been the case.
I phoned Barclaycard and they asked me to ask CCCS to phone them regarding the problem.
I phoned CCCS ask but the lady on the other end of the phone said CCCS could not do that.
I am at my wits end regarding this. Any advice would be appreciated.
Thanks

Ethereal_Gaz

I recently returned to work after 4 months and have been paying token payments to Capital One and MBNA. I downloaded a balance sheet template and sent one to each of them. MBNA called me up, talked me through the balance sheet accepted my pro rata offer and arranged for me to start making payment in a couple of weeks.

Capital One, unsurprisingly (they've been harassing me through Debitas for 2 months), sent me a letter asking me for proof of income, letters proving incoming benefits and 3 months bank statements.

I don't want to send my bank statements as I'm self employed and I've recently been withdrawing as much as possible from my business account to put into my halifax account which was 3k overdrawn and being charged £1 a day + interest. Last year's accounts (08-09) show me earning a lot more than I will this year also as I'm now on a lower rate and was unemployed for a third of the year.

Do I have to send the documents they've requested or should I just tell them they should accept my pro rata offer??

HTML200

Hi.

Could I please draw your attention to the 'is a default notice as damaging as a DRO?' thread in this same section of the forum? Perhaps I should have posted here instead, apologies if so.

Really, any input is appreciated.

Edit: Sorry, this would probably be better suited to the BR forum. Though any comment on the general situation would still be most welcome.

1616french

I need some advice please.

I took out a DMP with your company in December last year,payments are more managable and i have`nt got The Halifax on the phone every day now.
But...i was told by CCCS that these debts would be paid off in approx 5 years.
What is puzzling me is the fact that my wife and i recieved statements from the Halifax and we are still paying interest,my wife pays £43 a month...£38 of that is interest (she owes £3850).
I pay £11.50 per month,,£9 of that is interest (i owe £1000).
My maths is very poor but i reckon that will take over 100 years to pay off,why was i told approx 5 years?
CCCS never told me about this,should they not have?
And one more thing when speaking to one of your advisors about an IVA i was told i would lose my house,but that is`nt necessarily true is it?
My main moan is when i first got in touch with your company they could not do enough to help me,but now the DMP is in place i feel as though your advisors can`t be bothered with me as i was told there is nothing that can be done and basically just grin and bare it,not much to grin about to be honest!!
Can i cancel with your company at any time and do a DMP with a different company??
I`m sorry if i`m moaning on a bit but this is not as straight forward as explained to me by CCCS and i`m worried because my wife has just had our 3rd child and basically we can`t look to the future knowing we will be paying off our debts for god knows how many years.
Regards

mommmy3

Hi,
Just wanted some advice please.
My hubby has been in a debt plan for the last 3 years paying £141.00 a month. (He owes about 50k) Obviously we know that its not the most cost effective way of getting rid of debt but it helped when we needed it. Due to some life changes I have now occurred some debt (about 5k) and was wondering if we could do some joint so we pay one monthly figure? Also we were looking an IVAs as we want to be debt free quicker, only we dont know what company is best. Hubby is currently with R&R Financial solutions, so should we approach them first?

Thankyou in advance

sammye_3

i have recieved a final notice before removal of goods from jacobs baliffs, i thought i was up to date with my payments but it turns out i missed one, they are demanding £746 before 24 of this month. is there anything i can do about it.