Cccs

poorandindenial

From what I can see on the IH website the DMP advice that IH give is free but then they set it up for you with a company (it is then not clear whether that company might be charging???)

Exactly what is a Debt Management Plan?

A Debt Management Plan is an affordable repayment programme set up by The UK Insolvency Helpline and managed by an independent company.

• We help you work out what you can afford to pay each month.
• You pay this amount to the debt management company.
• The debt management company pays your money to all your creditors for you.

and they are funded by subscriptions from an ambiguously phrased

The UK Insolvency Helpline is totally independent and funded by via donations and subscriptions from a nation-wide network of professional practices in the United Kingdom

might this be part of the same group of companies in referred to in the first quote?

From the way that the site is branded and set up it is clear that they rather like IVAs.

Their handling of DMPs is a bit odd, the How much money will actually go to the companies I owe money to under a Debt Management Plan?' FAQ is a bit ambiguous, it does mention the free agencies but doesn't actually answer the question for if you were to set the DMP up with them in the way set out in my first quote.

insider66

insider66 wrote: »

A quote from IH:-

Debt Management Programme from The UK Insolvency Helpline

The UK Insolvency Helpline is a free service. The social policy team tend to advise clients to avoid any type of debt management programme that has a cost attached to it. Free debt management plans are available via The UK Insolvency Helpline which means that all the money you can afford to pay goes on paying your debts back instead of on monthly fees on the debt management programme

sounds pretty clear to me...

blind-as-a-bat_2

insider66 wrote: »

Any formal debt solution, IVA or Bankruptcy will involve a fee. Nothing you can do about it - legally.

You mis the point insider66, it is no good offering a free impartial helpline when there advice or solution can be both fee based and profitable, the two never work together.

Which brings me back to my first post regarding CCCS, who i for one do not trust to give correct advice anymore, based on posts i have seen of late

insider66

blind-as-a-bat wrote: »

You mis the point insider66, it is no good offering a free impartial helpline when there advice or solution can be both fee based and profitable, the two never work together.

Which brings me back to my first post regarding CCCS, who i for one do not trust to give correct advice anymore, based on posts i have seen of late

So maybe the best advice is to be gained from a company who would make money whatever plan you went on...

Get the advice, then use someone else to set it up if the advice is DMP?

poorandindenial

I couldn't see that bit on there Insider66, mind you am still wading through

ETA: just found it, last link on the DMP page takes you to a page that does a bit of a selling job on IVAs and includes the paragraph from Insider at the top(http://www.insolvencyhelpline.co.uk/debt_management_plans/debt_management_programme.php)

From the pages I looked at it is not clear that the DMPs that they set up for you are fee free when they are up and running. They should make it a bit clearer on those pages as well so that the message is more consistent.

But then I am a cynical witch and it is my job to spot inconsistencies (not as a cynical witch :rotfl: I am actually a kind of analyst so it is literally my job).

insider66

http://www.insolvencyhelpline.co.uk/debt_management_plans/debt_management_programme.php

may be quicker than trawling...

blind-as-a-bat_2

From the sticky at the top of this board

The right people to go to...

The aim is to find non-profit debt counselling help, in other words a one-on-one session with someone paid to help you, not to make money out of you. Be careful not to confuse this with ‘free help’: many commercial companies say they’re free as you’re not charged directly, but you’ll still pay somehow.

The places I'd suggest are:

Consumer Credit Counselling Service: Full debt help service. Link: CCCS Tel: 0800 138 1111


National Debtline: Full debt help service. Link: National Debtline Tel: 0808 808 4000


Citizens Advice Bureau: Full debt and consumer advice service. Link: Citizens Advice or visit your local CAB centre (find nearest)


Christians Against Poverty: Debt counselling agency, which specialises in helping those who are emotionally struggling too. The religious focus is why they do it, not how they do it. Link: Christians Against Poverty or call 01274 760720.


For evictions/repossessions: If you’re in danger of this it’s important to get legal advice asap. The Housing Duty Scheme, by Community Legal Advice or call 0845 345 4345, gives free advice at around 100 courts across England and Wales.


Local agencies: There may be a local debt help agency in your area, if so check it is non-profit or a charity, before signing up.

There is a reason they are not in this list insider66, the same reasons payplan have been removed from it.

The question i believed you where asking is whether CCCS should still be there

poorandindenial

insider66 wrote: »

So maybe the best advice is to be gained from a company who would make money whatever plan you went on...

Get the advice, then use someone else to set it up if the advice is DMP?

I think that people should speak to more than one org.

Insolvency Helpline stand to make more money from people taking out IVAs so will push those over alternative forms of debt management so they are not impartial either.

insider66

blind-as-a-bat wrote: »

From the sticky at the top of this board



There is a reason they are not in this list insider66, the same reasons payplan have bee removed from it.

The question i believe you where asking is whether CCCS should still be there

I think I'm sailing pretty close to the wind by bringing up a debate about the CCCS as it is!

To suggest they are removed - when the CCCS have Q & A forum on this site would win me no friends

poorandindenial

insider66 wrote: »

I think I'm sailing pretty close to the wind by bringing up a debate about the CCCS as it is!

To suggest they are removed - when the CCCS have Q & A forum on this site would win me no friends

LOL - I actually think it is a useful debate to have. There are a lot of side swipes at the various ways that advice agencies are funded.

I think that having the debate publicly (and rationally) allows people to make better informed decisions about the organisation that they choose for advice and the advice that they choose to take.