Ask a CCCS counsellor a question

SkintFlint73

Hi - a few months ago I was issued with a CCJ from my past employers, Marks & Spencer. This was because I attempted to leave work giving them a weeks notice. They explained I could not leave when I wanted to because I hadn't handed my notice in on a particular day of the week - something to do with shift patterns etc, so I left owing them just over £200 in wages overpayment.

They wrote to me asking for the money back but as I had left without a new job to go to, I could not afford to pay it back. They passed it to a debt collection agency who rang to ask how much I could pay back. The woman who called was unbelievably rude. I explained I had no job and have two small daughters who are my priority. She told me that was my problem. She said if I was not prepared to pay anything it would have to go to court. I honestly could not pay a thing and was only getting £38 per week in tax credits, hadn't applied for any benefits in the hope I was going to get a job.

I came off the phone, slightly shell shocked and thought afterwards, she never even asked me anything about my income and expenditure. A while afterwards, I received forms from Northampton County Court asking me how much I could pay & what my income & expenditure is. I filled it in, sent it back and received confirmation I could pay £1 per month. I very stupidly didn't realise this was a CCJ. I have never had bad debt in my life and I'm so cross with them and myself for not knowing what was happening. I have since got a new job but now I presume this will be on my credit file now for 6 years.

I wondered if it all sounds like the usual process and whether they have done anything underhand by not asking me about my income or expenditure in the one phone call I had about it?

I also wanted to ask, I presume this now means I won't have any chance of moving my credit card to another with less interest or 0% balance transfer?

Arrghh!!

Hope you can advise me. Thanks in advance.

sezzyann

Hi
I was wondering if anyone could help. I received a CCj in October on a £7000 debt with HFC , Restons are dealing with it. Restons went for a redetermination hearing and at that (which i didn't realise I should have attended) the judge decided to vary the order so they could get a charging order on me. I'm not sure thay can do that from reading on these posts. I have been advised by NDL to put in a complaint to the court manager but does anyone know on what grounds specifically?
Also I have asked for a CCA and not received anything. Where do I stand on that as I have the charging order hearing in February?
I would really appreciate some help
Thanks

reaver

I am starting a DMP for the debts that are solely in my name. My husband doesn't want me to do this as he is worried that this will affect his credit rating. The only joint debts we have are the mortgage (not in arrears and not included in the debt plan) and a joint account with Natwest that has a small overdraft (one of my credit cards is a Natwest one). I am moving all direct debits over to a separate, independant bank account and husband's pay will clear the overdraft.

1.Should we close the joint account?
2.Will my DMP affect husband's credit record?

laurakiora_2

I am wanting some advice on where to go from here. I have worked out how much debt that my husband and I have this morning and it is £11,000 on credit card and 5400 on a loan. We do not default on our payments at all and they are all up to date. The loan is fine and we are well on our way to paying that one off and it will end in June next year. The problem is that the credit cards are just going round and round in circles as we can only make the minmum payments. I have tried to get a graduate loan to cover some of them and pay them off over three years how ever it was declined on affordability even though teh payments were no more than the credit card payments added together. I am now not knowing where to go from here but I need to go somewhere because we want to get a mortgage next year. Could I have some advice please ? Thanks

Darth_chaffinch

I've been on a DMP with the CCCS for a few years now, but all the credit card companies have been charging me interest every month, which is adding ~£200 a month to my debts. I know this is within their rights, but does anyone have experience of getting them to stop??

reaver

Darth_chaffinch wrote: »

I've been on a DMP with the CCCS for a few years now, but all the credit card companies have been charging me interest every month, which is adding ~£200 a month to my debts. I know this is within their rights, but does anyone have experience of getting them to stop??

That's what I'm worried about happening to me, I'd be interested to know where I stand on this too, although I'm just starting out on this now.

Darth_chaffinch

reaver wrote: »

That's what I'm worried about happening to me, I'd be interested to know where I stand on this too, although I'm just starting out on this now.

All but Lloyds ( :mad: ) froze interest for the first year, then all started back up. Will be in debt all my life at this rate!!

spendsdaily

Hi

Im in debt crisis. I cant afford to pay all my bills as I have less money than bills. My husband is self employed and owes the tax money, who very shortly will probably foreclose on his business. We are 8 months behind on our mortgage and despite having many arrangements with our mortgage company we keep letting them down. They have now advised that they are going to send a debt counsellor unless we pay the amount we owe in full, for a charge of £100. I don't know where to go for help/advice as our situation is so complicated. I work and get a set salary every month but my husband never knows if he is going to get a wage or not, depending on which customers pay him.

Please help

Thanks

michellew_2

spendsdaily wrote: »

Hi

Im in debt crisis. I cant afford to pay all my bills as I have less money than bills. My husband is self employed and owes the tax money, who very shortly will probably foreclose on his business. We are 8 months behind on our mortgage and despite having many arrangements with our mortgage company we keep letting them down. They have now advised that they are going to send a debt counsellor unless we pay the amount we owe in full, for a charge of £100. I don't know where to go for help/advice as our situation is so complicated. I work and get a set salary every month but my husband never knows if he is going to get a wage or not, depending on which customers pay him.

Please help

Thanks

I'm by no means an expert but I would suggest a visit to your nearest Citizens Advice Bureau as soon as possible, if you read back through the thread I think there is a phone number for the CCCS mortgage specialists, I would also fill in the CCCS debt remedy as fully as possible then all the figures you'll need will be all together (or the SOA available on here - MSE)
I'll add the links to this post if I can find them

READ THIS FIRST - most of the links you need are in this thread

livis

Dear CCCS Counseller,
I currently have a DMP up and running with the CCCS for personal unsecured debts, Credit cards and loans.
I live with my partner who pays all the household bills and his own debts with his salary.
We are now in a situation where he is finding it hard to cover all the outgoings and he is under increasing pressure due to being chased for missed payments for unsecured debt.
Everything is a bit of a mess really with bills here there and everywhere.
What we want to know is if we could set up a joint DMP together? If this is possible, would i have to set up a new DMP or would it all be added to my plan?
Hoping you can advise
Many thanks
Livis