Ask a CCCS counsellor a question

moxie_2

I am on a DMP with Payplan. I would love to have a payment holiday in December to pay for Xmas. Is that possible with a DMP? It would make such a difference and would mean we would have a good Xmas for once. I would resume paying the DMP in January.

Tinkles

Hello,
Not sure if you are the right people to be asking but I'll try anyway!
I had an outstanding HP agreement with Welcome Finance. They have not taken any money from me since mid 2005 when they claimed that my Direct Debit was not set up. I checked with the bank and it was set up correctly but for about 4 consecutive months the said they could not take the money from my account and the bank said there were no problems, so we went backwards and forwards. Then one month they suddenly took 2 payments within 3 days, the bank contacted me, advised me that Welcome Finance had broken the banking agreement and took the money back from them. I had not heard anything since.
I am now being harrassed by a DCA who have obviously had this debt passed to them.
My question is; where do I stand now with an HP agreement, is this now the same agreement that I should have with the DCA? I still have the car but it is on it's last legs! I am aware that I could not sell it until it had been paid off but where do I stand now the debt has been passed on? I know that I will need a new car soon as I need a reliable one for my job, I obviously don't want to make the situation worse by getting rid of this car illegally but I will not be able to afford to pay off the outstanding amount before I need a new car!

CCCS_Sue

Happyface wrote: »

HI There.

I was hoping you may be able to answer my query?

at the moment I share a flat with a friend, but wanted to also ask, if my circumstances change and I moved in with a boyfriend who has a mortgage, will I be allowed to pay half of the mortgage, bills and food. or will the OR not alow me to contribute towards his mortgage?

Many Thanks in advance.

Hi Happyface

I am looking into this for you and will get back to you as soon as I find out.
Regards
Sue

CCCS_Sarah

crazyfr!!!39 wrote: »

I have lots of non priority debts, i havent yet had a chance to total it all but i would imagine it is somewhere near £40,000 of debt. at the moment i am just about managing to pay minimum payments on everything but everytime one of the kids needs something essential, money for a school trip or we have to find money for a broken appliance or car repair it ends up pushing me further into debt. I really need to seek advice but as i have no stable income and my husband is on a low income i am expecting to be advised to go bancrupt. My children are totally in the dark as to how bad our finances are and i want to keep it that way but one of them leaves school soon so what i need to know is: if i go bancrupt how will it affect other members of my household with regard to their own future credit rating? will they be penalised for my mistakes??

Hello,

Credit files are on the individual not the address, so if one of you was to go bankrupt, then this should not affect your children’s credit score.

Although bankruptcy could be an option for you, there could also be other options that you could look, at but you would need to seek advice for someone to look at your whole financial situation.

If you would like to discuss this with the CCCS, you can call our helpline free on 0800 138 1111.

Worried_Soul

I am about to start a DMP myself after speaking to the CCCS who said that as my situation could be changing in the next 6 months I should not officially enter into a DMP but should contact the creditors to let them know that currently I can only afford a reduced token payment. The reason that my situation 'may' change in the next 6 months is that I have a few buy-to-let properties that I hope I can sell as the rent is not covering the mortgage so I'm having to cover the shortfall myself.

Anyway, the advisor at CCCS said that I should not go into too much detail about my properties when I send them the letter explaining my situation. Should I not mention them at all? Also, if I send the creditors the budget sheet it will show that some of my money goes towards covering the shortfall. Should I not send that either?

Thank you.

jaja_3

Hi there
I have been advised from another poster to re post my thread here (and of course forgot to c&p so start again.

Having been in difficulties before the CAB sorted out our debts 3 years back and we have been making payments ever since. The RBS suddenly decided they wanted total repayment of our debt 11k, we immediatly wrote back with an I&E explaining we could not afford that or to increase payment but would continue with the DD we were paying. Of course they did not get that (conveniently) so threatened us with court action, wrote back again and sent RC with the same.
Court papers arrived, saying they would file on November 9th (a Sunday) so we have been waiting for a date to attend and defend our case.

Received a CCJ today demanding over £700 per month, we dont even have £7 per month spare as can be seen on the 3 copies of the I&E they have.

In a total state of panic now, not knowing were to turn. I have had some wonderful advice so far, but was also advised to ask on this section.

OH intends to phone the court tomorrow morning, and now knows he has to ask for a form to send to local court.


Payments have been kept up and taken by DD each month without fail.

Nicki_Sue

Hi
My first post on this thread! I have a DMP with CCCS (started 1st October), made Oct and Nov payments but wont be able to make Dec payment - our car died in Sept and our borrowing of cars has run out and we needed to get another one (no car and I dont work - my wage pays the dmp!). I rang cccs who were lovely and said a car was a necessity, that theyd send a note to all creditors explaining the situation and make the Jan 09 payment as usual (no problem). CCCS have been fab but I am still worried about the impact on my dmp - obviously it doesnt send a great message to my creditors to take a month off it so soon (and when it looks like Ive done it for xmas iyswim?).

What effect is this likely to have long/short term? (Really beating myself up about this!).

alfiemama

Hi sorry hope you dont mind, but I am posting again as I think my post has got lost in the system.

Hi I wonder if anyone can help?

We have contacted black horse with regards to a debt (unsecured that we have) after advice from ccccs and payplan who advised as we have no money left to make an arrangement to offer £1 a month.

We have just had a chap from black horse come round and we discussed facts and figures (where not bothered about as dont want to hide want to be upfront with them).

Our prob is that we also have a caravan with the same company but under a different agreement, after advice we have been told on hp have to keep paying it, which we are upto date. But he is saying they will take off us and pay the debt off the other loan as this is a luxury, he said we will then have to make an arrangement to pay off both loans as this is classed as a liability!!!!!!! can they do this and what are our options, we were going to sell in spring when season good and pay the debt off, but he said they prob wont allow us to pay the debt off, very confusing.

Also we have our mortgage with lloyds tsb and he was talking about mortgage attatchments!!!!

We have been honest with this chap and he can see the only reason we are in this mess is hubbys commision due to the credit crunch, we dont have masses of debt so cant cutback anywhere, which is where he agreed with us.

any help appreciated

devonsdreamer

Hello there wondered if you can help-

Can a DCA recommend the origonal creditor re-instate interest and charges on a debt that is being paid to the DCA at the agreed time and amount.

Equidebt have written to me requesting I call them for a review and if i do not this is what they intend to do. I have told them many times I will only discuss matters in writing.

How do you advice I go forward with this

Many thanks

eveie189

Hi

Could someone pm me the CCCS sort code and account number as I want to pay by standing order.

Thanks

Katie