cccs concern

neil10_2

Hi,
although I have heard may positive things about CCCS, i decided not to go with them as when they said they would call me to have an initial talk, they didnt! I had scheduled to call me at 8.30 in the morning, so I even had a few hours off work, but nothing happened. When I did call them, they said there had been a misunderstanding!
When I did reschedule, the adviser I spoke to was very disheartening and when I did ask a few questions, his response was 'maybe CCCS is not right for you', and after a quick chat, it was if he wanted to just get off the phone as soon as he could! :mad:
CCCS at the time was my only hope, but have learned my lesson I guess!
Just thought I would share this, and would like to know if anyone else has ever had this problem with them.

Thanks

N (PS - my 1st post of many - what a fab site!)

Deep_In_Debt

Really sorry to hear this. Sounds unusal for CCCS.

Have you tried Payplan or CAB who are also free?

caramia1812

Hi Neil, I had to go it alone too after consultation with CCCS. They seemed hell bend on trying to persuade me that bankruptcy was the only solution. In my case bankruptcy is NOT a solution as if I lose my house I won't be able to afford to rent in the area where I live, besides my house has about 3k equity maximum atm. I'll say the same again what I told my ex when he tried to force me to sell....."they'll take me outta here in a body bag" and I meant that!

neil10_2

thats exactly what they told me! About bankrupty, that made me feel quite down as well!! Luckily now Im hoping to pull myself together and would not turn to them at all if I did want a management plan.
The last thing you want is o be demoralised at a time like that!

ald65

Hi Neil 10
sorry no experience of CCCS, [although have heard a lot of good things about them from others on MSE]
We are with Payplan and they have been great, it might be worth giving them a ring tomorrow

good luck and hang in there

neil10_2

Thanks for the fab advice, I made a mistake and turned to Debt Matters, would it be too much hassle to switch over to Payplan from them?

Dont get me wrong, DM are very very reliable, but its the 15% interest that bugs me!! Now that i seem to be in more control of my creditors, would shifting to Payplan just heat things back up again, by distrupting the creditors?

poorandindenial

neil10 wrote: »

Thanks for the fab advice, I made a mistake and turned to Debt Matters, would it be too much hassle to switch over to Payplan from them?

Dont get me wrong, DM are very very reliable, but its the 15% interest that bugs me!! Now that i seem to be in more control of my creditors, would shifting to Payplan just heat things back up again, by distrupting the creditors?

Hi Neil

Switching shouldn't be too hard and creditors will probably welcome it as they will see more of the money that you are paying each month. 15% is quite a bit to be paying in fees.

Good luck getting sorted and sorry you had a rough ride with CCCS, as others have said, do try one of the other free to use guys, generally feedback is good although like any other organisation you never know when you are going to get a pillock or someone having an off day.

neil10_2

thanks, will be on the phone this week to them. Seems that both times I have spoke to CCCS they seemed to be having an off day for some reason, what a put off!

ald65

neil10 wrote: »

Thanks for the fab advice, I made a mistake and turned to Debt Matters, would it be too much hassle to switch over to Payplan from them?

Dont get me wrong, DM are very very reliable, but its the 15% interest that bugs me!! Now that i seem to be in more control of my creditors, would shifting to Payplan just heat things back up again, by distrupting the creditors?

Hi Neil 10

shouldn't be a problem transferring over to one of the 'non-charging' companies, however I would recommend that you check the small print with your current company.

payplan and cccs are recommended by most creditors as debt management companies to use, so should be quite smooth to transfer

Deep_In_Debt

Yep, as others have said, the creditors are more likely to accept your dmp from Payplan as they know they are getting all the money you are paying. I was recommended by my creditors to use a non fee charging company as they were more likely accept a dmp from them.

Good luck.

neil10_2

thanks guys, have had some fab advice:T