CCCS- not a positive experience

blind-as-a-bat_2

debt_doctor wrote: »

Hi,
sorry to hear about your experience with CCCS. Bat is certainly on the right track, but i am a little confused by your benefits.

Your sons DLA is not relevent, and it seems your income is entirely made from benefits. You say you receive that you get full HB but only 25% council tax benefit, which I find a little odd.

I know you say that you receive inc ben, but that probably has a little top up of income support ( basic inc support plus dis premium ) in which case you should get full council tax ben also.

There is no way that any of your income should go to pay creditors, whether in an DMP or BR.

BR looks a good option for you based on the info you have given

DD

I have to agree, CCCS is useing your DLA to make it apear like you have a surplus, which should be going elswhere, as for reduceing housekeeping to 275 for two adult and half a child so to speak, she is way of all guidelines there

debt_doctor

Income support = money for basic living, ie food, gas, elec, water, tv lic and nothing for creditors.

DLA = money for assisting you to cope with your disability and nothing for creditors.

DD

Broken_hearted

homealone wrote: »

i have a freedom pass which makes buses free and get money off taxis which i only ever use for hospital so would only be about £5 a month at most

peachyprice- yes i can see now how she got that surplus it was the halifax i messed up calculating. if i do frind this missing surplus does everything else she said do able in that do i then have to use that to pay all 4 debtors or just the 3 by minus the inland revenue and does this then mean no one will reduce anything??? i cant cope with this hanging over me for 7 years 8 months and he pays nothing

Of course you could cope if you wanted too, you have to stop being a victim as it helps no-one.

Broken_hearted

debt_doctor wrote: »

Income support = money for basic living, ie food, gas, elec, water, tv lic and nothing for creditors.

DLA = money for assisting you to cope with your disability and nothing for creditors.

DD

Yet using just these we have cleared 12k worth of debt in 2 years. Ok with some great F&Fs but its still gone.

blind-as-a-bat_2

Broken_hearted wrote: »

Of course you could cope if you wanted too, you have to stop being a victim as it helps no-one.

and you could have a thing or two to say re Halifax im sure BH;)

Broken_hearted

Oh don't Halifax are somewhere in limbo at the moment. God knows what they are up to now.

peachyprice

Yes, we know you did BH, but that was your CHOICE, you didn't have to, you and your OH wanted to and had the support of each other. OP's OH has bu99ered off and left her to sort it out herself.

There is no right or wrong way to deal with debt.

Broken_hearted

peachyprice wrote: »

Yes, we know you did BH, but that was your CHOICE, you didn't have to, you and your OH wanted to and had the support of each other. OP's OH has bu99ered off and left her to sort it out herself.

There is no right or wrong way to deal with debt.

Support :rotfl::rotfl::rotfl::rotfl::rotfl:I wish.

homealone_2

Broken_hearted wrote: »

Of course you could cope if you wanted too, you have to stop being a victim as it helps no-one.

dont you think that is a bit harsh??? of course in the end i will cope as i have to but am i not allowed to post such a sentence? mse is all the family i have and its exactly what i would say to my family if i had one. all of us feel we cant cope at times and turn here for advice or a hug i was not aware i was making a victim out of myself by voicing how i feel right now

peachyprice

Broken_hearted wrote: »

Support :rotfl::rotfl::rotfl::rotfl::rotfl:I wish.

Well at least he's still there to kick occasionally