need all the advice I can get!

getting_there_6

Some of our creditors have not been too pleasant with us - even down to does my wife need to pay out for prescriptions!   The CCCS told us that we were being bullied.    

Thanks for your help, what did you do when the creditors where like that did you then pass them on to the cccs or do we deal with them ourselves?

Thanks in advance!

D

debt4evernot

Hi there - when you agree to do the dmp after your initial interview - the CCS send you a pack and a standard type form/letter which you need to photocopy and then write in the reasons for not being able to pay them - eg we put down something like ' we have over commited ourselves on credit and using credit to live on' - we then sent a copy to each creditor with the CCCS reference number on which also authorises the CCCS to talk to your creditors directly. When we got the phone calls I just told the creditors it is now in the hands of the CCCS - one of them said we had gone to the best place. Each time we got a phone call however, I rang the CCCS for advice, but it was the CCCS that have told us not to give out our new bank details or personal details eg mortgate, council tax details, etc.

I will say that initially we were terrified about this but now feeling much better about it, however still waiting for the creditors to fully accept the dmp but in the meantime have started paying CCCS the monthly payment.

Good luck - keep us informed and we will do likewise.

ffs

Very pleased to hear that you have decided against a secured loan. Good luck with your DMP, please let us know how you get on.

deedee_3

I don't think they would be happy if the bailiffs came knocking to price up contents for auction.

The CAB told us not to answer the door to them. Just pretend you are not in. If they can't gain access they can't get any goods! The only time they can gain access without your permission is if they have a court warrant. If you have a car parked out side I would suggest you park it elsewhere for a while as they could take that.

The only time they could gain access with out a warrant is if you have invited them in before.

HTH

Sofa_Sogood

If you have a car parked out side I would suggest you park it elsewhere for a while as they could take that.

Wise advice.

My husband was a bit of a poll tax protestor (he felt he had a genuine grievance though and he was 'silent') and he left the car outside but with the keys in ::)

Not only did they take the car away, for which he had to pay about £70 to get it out of the compound, he also had to pay his outstanding poll tax arrears - in full - and in cash!

getting_there_6

If you have a car parked out side I would suggest you park it elsewhere for a while as they could take that.

You have really put doubts in our minds if we are now doing the right thing by doing the DMP instead of the mortgage advancement, although I think the laws are different here in Scotland, I don`t think my wife would be able to deal with people coming to the door!

Is that what they do even if the cccs is dealing with the creditors?

Has anyone had any problems with these creditors in agreeing to a DMP? or had any bullying tactics?

Egg
Capital One
Barclaycard
IF
Northern Rock

Any other advice would be appreiated, because once we go down the DMP route, our credit will then be spoilt and we would no longer be able to get the advancement at a later date.

getting_there_6

the panic is off a bit, just read over some of the previous posts in the tread, and I will go back and read all the cccs and nationaldebt website again, theres so much to take in!


D

deedee_3

Didn't mean to scare you. It's just if you have already had letters threatening that the baliffs will be round before you set any thing up.

Good Luck

getting_there_6

Don`t worry about it, everything scares me at the moment!


D

Debt_Free_Chick

I don't think they would be happy if the bailiffs came knocking to price up contents for auction.

Deemy, this is plain scaremongering. Sorry to be so blunt, but bailiffs do not and cannot simply "come knocking".

Firstly, they need a court order or a Warrant of Execution. For credit card debts & loans, the lender would first apply for a County Court Judgment and you get full details if they are going to do that. And you get the opportunity to ask the Court to consider allowing you to pay by instalments, which they invariably do.

Or the accumulative penalties and charges incurred that are likely to result in bankruptcy.

This is also misleading. For lenders, it is the last resort and expensive ... it's highly unlikely that a credit card lender or bank would file for bankruptcy. Before they do that, you will have gone through a long process including a CCJ ... where you get the opportunity to ask the Court to consider payment of the debt by instalments, which they invariably agree to.

you cannot and will not "suddenly be made bankrupt".

I repeat, for unsecured debts there is actually very little that lenders can do to you. The worst - if you fail to reach agreement with them regarding a repayment plan - is that they apply for a CCJ ... and this is likely to result in the Court agreeing to a repayment plan.

Best thing to do is what you are doing, i.e. discuss with your creditors arrangements to make the repayments more manageable.

We agree on this one

And in case I was not clear, one should always negotiate a repayment plan with creditors. Either, do this yourself or use one of the highly-regarding and free debt management companies such as Payplan, CCCS, National Debtline or CAB. The other advantages to using these folk is that they can often get interest frozen or reduced and they deal with your creditors, getting them off your back. I would always suggest using one of these free companies for those who are not confident about their rights and the process involved. Although, the National Debtline has full details of how to DIY and explains what the lenders could do. When you look at it, there is very little they can do.

Regards