Pay Plan

Slayerx

I took the plunge today and called them, seemed very friendly and someone is going to call me tomorrow to discuss things in detail.

Can anyone advise me what it is they will ask and discuss so I'm prepared when they call?

I feel kind of embarrassed to have to call them, I can afford to make full payments for the next few months but with my small income after 3 months Its just going to get too hard to maintain that.

Bellie_2

From what I gather PAY PLAN is similar to CCCS. If that is the case, you need a complete list of all your incomings and out goings, what you spend your money on, debt details, and detals ofdirect debits and payments you are making etc. Try toi include every single thing as it will help them more. Might also need bank acc no etc but not sure. Dont be nervous, they dont judge, they are there to help you and do there best to sort you out. My boyfriend delt with his debt through CCCS and they were great. Just think how great it is going to feel knowing its all sorted and you have all your payments set up at an affordable amount. Hope it all goes well. I am sure it will. Well done for being brave enough to get the ball rolling.

strident2

Hi
I am using payplan they arevery good and helpful. As the person said before they will want your income andexpenditure for everything don't miss anything out. Whatever disposable income is left they will use to pay back your creditors. They will want details of your creditors, amounts, account numbers or refs, I think thats about it. They are very nice and approachable and easy to get old of inthe future when you become a client. Good luck. :j

fizzel81

we are too having our phone call tomorrow starting to feel nervous, am compiling a list now of everything we think they will want to know

Slayerx

I think my biggest concern is going to be that my disposable income right now is very little and im using savings to pay bills.

Slayerx

They couldnt help as my debt is only 7k, the minimum they can help with is 8k.

CLAPTON

why dont you post your SoA here...i'm sure people will be able to offer suggests
a general format for SoA is

If you browse the bulletin board you will see examples but the general format is

: statement of income:

: statement of expenditure
this should be quite detailed but excluding debt repayment
: a subtotal to save us all having to add it up

: statement of all debts including:
for Credit cards show: outstanding amount, monthly repayment , APR
for loans/HPs show outstanding amount, monthly payment, APR and number of months still to pay;
Say whether you are paying PPI on your debts

a subtotal of the total debt and of the total repayments, to save us having to add it up

also add a brief details of your situation, partner, any children, rent or own property, value of house and mortgage, any special circumstances that are relevant

fizzel81

hugs, sorry to hear that, hopefully you will find a solution to your debts, im sure some of the friendly peeps on here could help if like suggested you post your soa, still waiting for my phone call but i think its been arranged for this evening when dh is home

Slayerx

I will post my SOA once I get back from the post office, thanks for all the support so far.