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michellew_2

CCCS_Sarah wrote: »

Hi Michelle,

Who is your DMP with? You need to discuss this directly with them. Your income would need correcting on your account, if you are not too sure where the money goes keep a spending diary so you can keep track. With regards DLA, this is for your sons disability.

Sarah

Hi Sarah - actually with CCCS - so are you saying my sons DLA shouldnt be counted as our income for our DMP ?? Sorry getting very confused
Thanks

CCCS_Sarah

michellew wrote: »

Hi Sarah - actually with CCCS - so are you saying my sons DLA shouldnt be counted as our income for our DMP ?? Sorry getting very confused
Thanks

It should be included as an income but balanced back out in the budget i.e. on the budget costs for child’s disability £200 and £200 income – hope that makes sense.

babyhead

Hello

Me and DH are waiting for our info pack but wondered if u could answer a question for us?

We have included joint debts and debts in our own name in our DMP. What happens if one of us dies during the dmp? Or what happens if we seperate/divorce?

Thanks

michellew_2

Yes it does sound right but wrong at the same time - being picky I know, and maybe not the best place for this but DLA is given to help disabled have a better quality of life I don't think it should be included in DMP (or any other scheme ) as income as far as I know its not included in DRO - maybe a cause for Martin to investigate

HannahL_3

I am in the process of setting up a DMP with CCCS and have also applied for a Co-Operative Bank Account. My husband gets paid next week and so I am getting a bit concerned that the Co-Op account won't have been set up yet. I have a Natwest Account that has no overdraft, however, I am worried that one of my creditors may be linked to Natwest. Can someone tell me if any of the following are linked to Natwest or the Co-Op?

HSBC
Barclaycard
MBNA - Virgin
MBNA - BT
Zopa
Next
Littlewoods

If not, where would I be able to find this out?

Many thanks

CCCS_Sarah

michellew wrote: »

Yes it does sound right but wrong at the same time - being picky I know, and maybe not the best place for this but DLA is given to help disabled have a better quality of life I don't think it should be included in DMP (or any other scheme ) as income as far as I know its not included in DRO - maybe a cause for Martin to investigate

Hi Michelle,

By balancing it back out in the budget it means that it is not being used to service debts. It’s just showing that the money is there but this money is being used for yours son’s disability costs.

Sarah

michellew_2

Thanks Sarah - guess I'm just in a pedantic mood today - just trying to baance the books

MurrayMint

Hi

I've been in a joint DMP with CCCS since summer '08, but have now seperated from my husband. We're setting up individual DMP's and have completed the initial interview etc, but now I need to return the set up pack as if it were a new DMP. However, 3 of my 5 creditors don't send me statements anymore, as have been on arrangments with them. What should I do, as the pack asks for most recent creditor statements?

Thanks,
MM

lyndorset

CCCS_Sarah wrote: »

Hi lyn,

Thank you for your question.

Are you making the reduced payments yourself or are you going on a DMP with the CCCS? The 30 day rule is to give you breathing space to seek advice which you have done and sounds like the creditors are just responding to your proposals.

Sarah

Yes it is following advice on here, contacted CCCS and following their proposals. So did I misunderstand the 30 days then?

Blackhorse: is there anything I can do? The idea is to get out of debt not create more. At least when I was robbing peter to pay paul this particular loan was going down every month - so I am a bit dissalusioned and confused.

Your reply appreciated Lyn

Bigbopper_2

Hi CCCS rep, I am on a DMP with you and so far everything has been great (Its only been 2 months). You guys are so good at putting my mind at rest!

BUT-I have just hit a massive snag.

1: A DD to my phone bounced a few weeks ago, so I paid my bill with a different account over the phone, but my DD was then taken again and I have been charged £25 + £5 a day by my bank for going over my limit. My phone company have agreed to return the payment but my bank wont budge and have said they will charge me the £5 a day regardless, because the £25 fee has taken me over the limit anyway!!

2: My car is due its MOT in April, and the money I am now losing due to the above has left me with no budget for the MOT, especially if it fails.

Is there any chance that I could pay a reduced amount/have a payment holiday for 1 month while I straighten this mess out?


Many many thanks


Bigbopper