Ask a CCCS counsellor a question

Julesiep

CCCS_Sarah wrote: »

Hopefully your creditors will send you a payment book or there bank details to set up the standing order.

Once you have their bank details you can ask your bank to set up the SO for you, for the same amount every month.

If you want to send them a payment, there should be an address on the letters from the creditors. Send it to those address just make sure you write all your customer references on so they know the payment has come from you.

I sent a letter requesting to be contacted in writing and for info on paying. However I received the standard reply from 1st Credit.

Failure to pay could result in this that and the other. Take this as final opportunity to contact us.

What do I do now. I cannot ring an 0870 number (expensive) and don't want scare tactics. Also shall I put the payee on the postal order as "1st Credit Limited"? Many thanks for your help.

mumjules

Hi

I need some advice with regards to bailiffs for council tax arrears please. A few months ago i recd a liability order from the council which i completed the back and returned it with my offer of payment. It wasn't much, but i am on a suspended repossesion order with my mortgage and it was the best i could do. I didn't hear back and a week before xmas the bailiffs knocked on my door. I didn't let them in, but i told them it wasn't a good time. He said he would call back the next day for money. I said i didn't have any the next day to give him. He didn't call back. The next i heard was a notice of attendance and a distress liabilty order through my letter box at 6.30am Saturday morning. It was just half in the letterbox and not in an envelope. The distress order had the details of my car on the back and the section of repayment crossed out. I have phoned the Council and they said it is with the bailiffs and there is nothing they can do. The bailiffs haven't even given me a chance to repay in installments. Please can you help - i am worried out of my mind they will just come and clamp my car or something. The form also said "constructive seizure" which i don't understand

Thanks

callywally

Hello,
Im on a dmp with cccs and emailed them on fri with some questions how long will it take to get a reply. thanks

techtitch

Dear CCCS counsellors and other readers,

Thanks hugely for your time. I have a debt of around £15,000 with three credit cards which I first defaulted on about 3 years ago. I regretably ignored their communications ever since. Now, two have stopped bothering to write to me at all. Do I risk anything by getting back in touch? Or should I wait until I have advice from a solicitor?

My income is job-seeker's allowance (£60.50 a week) and housing benefit, which pays all but £50 of my monthly rent. I have no savings, no equity/house/etc, one current account in £300 debt with fees (which I am reclaiming) and one current account with around £50 credit. My outgoings marginally exceed my income.

I'd also REALLY appreciate anyone's hunch on how this will probably progress. I realise there is not much info here and things may turn out differently, but any info would be reassuring - at least I'd know what I'm worrying about.

Thanks again for any time spent, and any advice or thoughts,
Chris

bunnygreen

callywally wrote: »

Hello,
Im on a dmp with cccs and emailed them on fri with some questions how long will it take to get a reply. thanks

Hiya, they don't work weekends, so I would from experience, you will probably get a reply by tomorrow. Wednesday at the very latest

chancer63

Hi completed the CCCS debt remedy and suggests a joint DMP which is what we had hoped for. My husband has some debts from the closure of his buiness which cant be included in the DMP as they are lease agreements. my biggest fear is losing my house - this really scares me. Does anyone know if anyone is likely to pursue my o/h for Bankruptcy? and if they do can they take the house as it is half mine? No equity either, in negative.
Thankyou! in anticipation! hope for a reply on my return from work later so i can stop worrying : (

techtitch

techtitch wrote: »

Dear CCCS counsellors and other readers,

Thanks hugely for your time. I have a debt of around £15,000 with three credit cards which I first defaulted on about 3 years ago. I regretably ignored their communications ever since. Now, two have stopped bothering to write to me at all. Do I risk anything by getting back in touch? Or should I wait until I have advice from a solicitor?

My income is job-seeker's allowance (£60.50 a week) and housing benefit, which pays all but £50 of my monthly rent. I have no savings, no equity/house/etc, one current account in £300 debt with fees (which I am reclaiming) and one current account with around £50 credit. My outgoings marginally exceed my income.

I'd also REALLY appreciate anyone's hunch on how this will probably progress. I realise there is not much info here and things may turn out differently, but any info would be reassuring - at least I'd know what I'm worrying about.

Thanks again for any time spent, and any advice or thoughts,
Chris

PS. I have completed the CCCS debt remedy and it tells me there's nothing it can advise as my living expenses exceed my income. Surely I should act ASAP?

MS_Dolphin

Basic question I guess, but what happens if I call all my creditors and tell them I can't afford to pay my monthly payments?

I know this is not a 10 word answer, but the basic summary would help.

Thanks.

CCCS_Alan

Ricky38 wrote: »

Hi there,
I am new to this so bear with me.

I would like to know how long an inhibition order lasts on a property?
Is there a time limit?
I live in Scotland and have been told by different places 5 years, 6 years,
10 years and indefinite.
If you could clarify this I would be grateful.

Hi Ricky38

The response from our Scottish trained counsellors is that the inhibition lasts for 5 years, however if the debt has not been satisfied (cleared) then it will be put in place for another 5 years.

Regards

CCCS_Alan

spoll_2

Hi,

My Dad has racked up a huge amount of credit card debt and has got to the stgae where his monthly salary cannot stretch to pay the credit cardbills and overdraft.

He's just had an appointment with paylplan and they have refused a dmp and basically offered little advice as to what he can do now.

He's going to speak to the ccs but are they likely to refuse him as well? I thoughte idea of such schemes were to negotiate a monthly payment with the creditors?

Thanks for any help you can offer.