Ask a CCCS counsellor a question

scattytracy

Hi Sarah

i am resigned to the fact now we have to go, we just can not justify staying here £750.00 (without areas) a month mortgage to live in an ex council house, we can rent one down the road on a private estate detached in better condition for 550.00. We have 22.5 years left on the mortgage so can't struggle on like this for that amount of time. We can't remortgage as we have no equity and a c/o of nationwide , that was one of debts on the DMP. So i think a fresh start, but would of liked time to try to sell it as we could maybe maybe by the skin of our teeth get enough to cover the mortgage back. And if they sell it they'll get next to nothing back and we will be left with a big shortfall, and then both me and my hubby would be bankrupt.

moneysavingmumofone

We are on a dmp with cccs paying £100 a month. Our gas has gone up by 30% and our electric by 20% so obviously we are now short. I heard that £100 is the lowest you can pay on a dmp, is this correct?
Also we have gotten into £42 of arrears with sky (no longer with them now) can i add this to the dmp or should i just try to sort an agreement seperately as its such a small amount?

CCCS_Sarah

moneysavingmumofone wrote: »

We are on a dmp with cccs paying £100 a month. Our gas has gone up by 30% and our electric by 20% so obviously we are now short. I heard that £100 is the lowest you can pay on a dmp, is this correct?
Also we have gotten into £42 of arrears with sky (no longer with them now) can i add this to the dmp or should i just try to sort an agreement seperately as its such a small amount?

You will need to call us for a review of your account to make sure that your instalment is an affordable amount for you. The minimum you are paying really depends on the account as every budget is different. If your instalment does reduce, we will discuss alternative options with you that may be more suitable.

minimee_2

Hello, we are with CCCS (THANKYOU! you have been fantastic!!!)
Our creditors (RBS) didnt accept our £1 token payment, and have now threatened a default, and to take us to court. The two loans are unsecured (£5000 and £6700) We have about £100 disposable income at the end of the month (no debt repayments included). That is to feed two adults and a child. Mortgage eats up all partners wages.
Any advice re RBS? The payments come to £300 a month.
Thanks again, you really have been great!

bunty1983

• hi ive taken your advice and done debt remedy which advised with 104 left a month can do a dmp when would payment first begin we are currently started paying creditors 1.00 a month but would obviously need the first payment of 104 to give you and im worried about xmas coming up with 2 kids and being on strict budget?will it be due 1st nove or dec or could we start in jan?obviously i will begin when you advise just need to know??
• thanks

Numpty_Monkey

Can I just say that CCCS have been brilliant to me, you are all diamonds:A:T
Well done To MSE Andrea for starting this thread:T
And well done whoever made it a sticky:rolleyes:
:beer: (hopefully dafter smilies resumed soon):o

Kudox

Numpty_Monkey wrote: »

Can I just say that CCCS have been brilliant to me, you are all diamonds:A:T
Well done To MSE Andrea for starting this thread:T
And well done however made it a sticky:rolleyes:
:beer: (hopefully dafter smilies resumed soon):o

Thanks a million from me too:T

And to whoever made it a sticky:beer:

MummyOnAMission_2

Hi there all the helpful CCCS people, Ive sent back my DMP signed form saying im going ahead and give permission to deal on my behalf. Just wondered how soon will i get my welcome pack in post with giro slip for 1st payment and DD mandate to set up.

Also when will I find out how much they are paying each creditor?

many thanks for all your help and what you do for us all!!

jimbobalula

Hello there,
I am having a problem with TDM (tamarisk) debt recovery acting for NatWest. Despite my standing order being paid they are continually hassling for more.About 10/11 years ago I was in severe financial trouble but thanks to the CAB i am in a far better situation now but still stretched.
This debt to the Natwest was subject to a CCJ,my main question is,can they demand an increase in payment on a CCJ?I have been paying this with no problems for about 10 years now.TDM do not answer the phone at all (indeed I think it may be disconnected).I would really appreciate your advice...Many thanks.

CCCS_Sarah

bunty1983 wrote: »

• hi ive taken your advice and done debt remedy which advised with 104 left a month can do a dmp when would payment first begin we are currently started paying creditors 1.00 a month but would obviously need the first payment of 104 to give you and im worried about xmas coming up with 2 kids and being on strict budget?will it be due 1st nove or dec or could we start in jan?obviously i will begin when you advise just need to know??
• thanks

Hi Bunty,

Can not be 100% sure without seeing your account, however I would guess it would start from the 1st of December. If you needed to delay the start date of the DMP you will need to contact the Debt Remedy Support team. I will PM you their number to discuss this in more detail.

Good luck with your DMP!

Sarah