CCCS advice given last night - read this!

ladymisswolfe

HI all,

I've seen a lot on here about being allowed £99 per person beofre and IPA can be considered - CCCS told me yesterday this no longer applies. They can have all your disposable income if they want.

Cars - doesn't matter how little its worth - thy can have it if they don't think you need it. Got no public transport links where you live? Move house! Somewhere else in the country if you need too. - Though where you'd get the money for that I've no idea.

You must declare ANY increase in income for the next 3 years after discharge.
If you have a deficit in your SOA you can apply for bakruptcy but it may not be accepted, you'll lose your fees and they'll tell you to go away, sort out your income and then come back.

Hmm....comments anyone?

k2nga

Yeah they are talking tosh. Did you get there name?

peachyprice

!!!!!!, this is happening more and more, what utter rubbish they are talking.:mad:

It's so sad, there are people relying on them for sound advice that will believe crap like that, and act on it.

There's a few CCCS councillors on here, I'm sure they'll be interested in what crap their advisors are spewing.

haleygrey

peachyprice wrote: »

!!!!!!, this is happening more and more, what utter rubbish they are talking.:mad:

It's so sad, there are people relying on them for sound advice that will believe crap like that, and act on it.

There's a few CCCS councillors on here, I'm sure they'll be interested in what crap their advisors are spewing.

Lets hope so and with a bit of luck they might do something about it. Im still waiting for CCCS to reply to my email when I filled in their questionnaire on line

tigerfeet2006

ladymisswolfe wrote: »

HI all,

I've seen a lot on here about being allowed £99 per person beofre and IPA can be considered - CCCS told me yesterday this no longer applies. They can have all your disposable income if they want. Nope it is still £99

Cars - doesn't matter how little its worth - thy can have it if they don't think you need it. Got no public transport links where you live? Move house! Somewhere else in the country if you need too. - Though where you'd get the money for that I've no idea. Yes they can have a car no matter if it is only worth a couple of hondred. You have to prove it is necessary to you and not a luxury. Usually if you are working then you would have no problem with a car only worth hundreds.

You must declare ANY increase in income for the next 3 years after discharge. No. You have to declare any increase for the next 12 months unless you have an IPA then you have to declare any increase or decrease for the 36 months that the IPA runs.
If you have a deficit in your SOA you can apply for bakruptcy but it may not be accepted, you'll lose your fees and they'll tell you to go away, sort out your income and then come back. Yes they can if they feel it is a really big deficit. If you can prove that you can get it under control then you will have no problems.

Hmm....comments anyone?

Hope that helps.

ladymisswolfe

Ooh interesting....perhaps I'll get a CCCS counsellor on to that then..Thanks all

ladymisswolfe

Meant to say though Tigerfeet - where do you get your info regaridng that? I can't seem to find that kind of useful stuff..

fermi

Others have already said the important stuff, but I am flabbergasted at that advice from a CCCS advisor. :eek:

Lots of links and info here ladymisswolfe:

Bankruptcy Help: Important topics, factsheets and links

tigerfeet2006

Have a look at the Insolvency site. Link to follow. Also the Bankruptcy Help sticky at the top of the board.

http://www.insolvency.gov.uk/