Ask a CCCS counsellor a question

huskypup

We have re opened an old LLoyds account Ive had for years - thank you Matthew that has put our minds at rest.

edwin36

A few years ago, I lost my job through no fault of my own, and was getting deeper and deeper into trouble, at one stage i thought i was going to loose my house. Someone gave me the number for the CCCS, I rang them not expecting much, and i am not emarrised to say, was very upset and even in tears and feeling sick.
Well after talking to someone at the CCCS, that had been through the same thing, even after the first time talking to them, I felt like i had a massive weight off my shoulders. After a few weeks, all the letters stopped coming though the door, and the phone calls stopped for all the creditors. If I rang the CCCS after having a letter the were so helpful, and stopped me worrying. All my creditors exepted a lower monthly payment.
Now nearly three years latter 2 out of my seven creditors are paid off, three not much left, and two that will take a bit longer, but I am NOT worried.
Thanks CCCS, i know it sounds cheese but i dont know what I would of done. I even ring now just for a bit of advise, which they are always happy to give x x

scouselad1974

Hi CCCS

Just a quick question regarding creditor acceptance on a CCCS DMP, most accept the plan for 6/12 months then expect an up to date budget, which is fair enough.

My question is, will CCCS automatically send my creditors an update every 12 months or is it best that I update my creditors about a month before my plan expires, so that they can renew for a further year without the hassle of starting collection procedures again, as Is what has just happened when my 6 month agreement expired with Halifax. It has been lovely to have no one telephone me for the past 6 months but now they ring until all hours even after 11pm, even after CCCS sent them my budget and creditor list.

skintoflinto_2

Hi. Seriously thinking of starting a DMP. We've got a car on finance and also mobile phone contracts...will these be affected or can you just sort the credit card debts out?

scouselad1974

Hi

Just popped back to see if there was a reply to my post and noticed that I could answer your question, I had vehicle finance at the start of my DMP and it wasn't a problem, CCCS made it a priority debt and did not include it in my DMP, I also had/have a phone contract and I was also allowed to keep that.

tez_c

The CCCS really helped me ont he way to digging myself out of debt and offer very good advice also.

skintoflinto_2

Thanks sooo much scouselad & tez. I was starting to panic because I really need the car for work. I'm defo going ahead now.

razer12121

is no one going to answe me

ducatifrog996

hi,
i currently have 36000 worth of debt with various companys loans, overdraft etc...
my total outgoings are 2400 a month but my wages are less than this but get topped up with dividends.
all the debt is in my personal name, not the business.
i am an owner of a ltd company which i get a wage each week. i also get dividends each month which very on the companies profits.
when setting up a agreement with cccs will they take in account my dividends or just my wages?
can i still run a business as a director with a iva, debt management or bankruptcy?
thanks

lollyhop

Hi There,

I am new to this forum and hoping for some advice.

When I was 18 (now 26) I got a Halifax credit card (Ibank with Halifax) and spent like a loon (stupid I know but we live and learn) Now Just a quick rant; I know everyone is responsible for their own choices and mistakes and I should have know better but why lend £5000 to an 18 year old earning £14,000 a year? Anyway, I could have managed the repayments if it werent for the fact that I ordered a second credit card (Egg) to transfer the balance. It never arrived (so I thought) and I assumed that I had not been accepted for the card. Except that it did arrive and my boyfriend of the time merrily spent on it without my knowledge (again, you live and learn)

I was unable to keep up with the repayments and buried my head in the sand for about a year.. as you do when your young. The interest and missed payments added up and eventually I contacted Halifax and Egg, held my hands up and luckily they both agreed to freeze the interest and following me submitting budget forms etc I started to pay approx £5 a month off on each card.

Egg was now with Moorcroft Debt recovery and Halifax with Blair Oliver & Scott (whom I beleive are internal DR for Halifax?)

As the years have gone by I have never missed a payment and as my salary has increase so have my monthly amounts. I now pay £60 off a month on each card.

Its never bothered me too much but I have just been refused a car loan, my partner and I want to buy a house, I cant even get a mobile phone because of my bad credit rating.

I have seen my Experian report add oddly Egg isnt on there (can anyone shed any light on this?) but Halifax credit card is and its showing RED for every month since 2004!

I have worked out that at th e rate I am paying these off I will be clear of the egg debt in 2013 and then if I increase my Halifax payment with the money freed up from paying off Egg, I will have paid everything off in 2015...

I really dont want this hanging over me that long.

I would love to get a proper loan to pay it all off but of course the only people who will lend to me charge 2000000%APR.

If only Halifax would take in to account that I havent so much as gone over my overdraft since 2004 and have a really good, steady income. If they would give me a loan for the two debts I could pay it back, with interest!! But im scared to go to the bank manager in case it brings all of this to their attention and they start off setting money from my current account.

I cant move my current account because of my bad credit rating arghhhhh I really am desparate to put one year of spending and a bad boyfriend from nearly 10 years ago behind me!!!!

Any advice??

In return I can offer every last budgetting, thrift and money saving family tip there ever was, I am queen of keeping to household budgets!

Thanks in advance