Cccs

shinyhead

This is an interesting discussion.

Firstly we mustn't knock this organisation as they do provide help for a hell of a lot of people.

But... I've been on a DMP with them for quite a while now and I have found some of their advice a little bit lacking shall we say, particularly when it comes to anything approaching legal issues. If it weren't for this forum and National Debtline I'd have been stuffed by now.

I think they walk a bit of a tightrope.

Miss_Piggy_2

insider66 wrote: »

Hi everyone, sorry for the delay in replying to your messages, I have to work too!
The CCCS recommend 3% of people for an IVA, how many do they recommend bankruptcy to? None.
The reason is simple, they want the creditors to receive as much money as possible even when bankruptcy or an IVA would be a better option.
Contrary to the popular myth on many of these posts, an IVA is not only for homeowners to protect their assets, it is also a very good option for people without assets to protect but do not want to be bankrupt.

When I did my CCCS remedy on line the first option they recommended was bankruptcy. So yes, they do recommend it to some people. I decided to go with the DMP instead and am glad I did. I found their advice helpful and impartial.
Perhaps some people want to pay all their debt back, instead of going the IVA / bankruptcy route.
I see ALL of my payments going to my creditors. If the CCCS keep the insterest gained from he 1st to the 25th of the month they are quite welcome to it if it helps them to carry on going, helping other people in the same position as me.

Ames

I didn't find them especially helpful as they wrongly took my DLA into account as income but didn't allow me any care needs in the expenditure. But I didn't have a problem with how they're funded, and I have a feeling that a commercial debt company would have been worse.

rugbymum

I have been advised to go for bankruptcy every time I do a reveiw, so yes they do go down that route. No they are not perfect, but they have given me enough breathing space to be able to get better. Now I feel strong enough to start fighting back and be treated fairly.
They wouldn't accept that I have no entertainment expenses but wouldn't allow me a budget for newspapers, which IS my entertainment! I only go out when bf is in country and he picks up WHOLE tab.

rugbymum

insider66 wrote: »

Hi everyone, sorry for the delay in replying to your messages, I have to work too!

I would love to be at work, but I'm looking after two sick (one in quarantine) kids. CCCS at least stopped the Bl**dy phone calls which used to start a 7.30 am after a night with little or no sleep.

viv17

The CCCS helped me for a year before I had no choice but to go bankrupt. Without them my children would of lost a Mum as the debt of £80k was making me really ill, I manage to sell a house but still owed £12k and to be free from the worry I went Bankrupt in June. I dont mind how the CCCS are funded. My self and my Family are just so glad of the Help. I say a big thank you to them.....

insider66

With respect viv17, others could have done the same thing.
My point is, do they give you the best advice for you?

insider66

For anyone interested in the CCCS and who they protect, please

read...http://myvesta.org.uk/articles/articles/3940/1/Can-We-Trust-CCCS-to-Protect-and-Defend-Consumers/Page1.html

skylight

People with problems are recommended to call more than one charity group.

CCCS, Payplan, CAB or National Debtline for example.

Any of these groups are better than any fee-charging one, who because they are funded by you want to remain being funded by you.....

insider66

Thanks for your post skylight,
but do the 'free' groups actually put individuals needs first, or the people who pay their wages, ie. the creditors?
Isn't it in their interest to get back all the money owed to the creditors rather than recommend an alternative which would have the creditor write off debt?
A 30 year debt management plan is not a 'solution'.