Debt Management Plans

looby75

Can you use one of these services if you are on benefits?

I've looked on the cccs website and it doesn't make it very clear.

My finances have got a bit out of control since my husband left just over 2 years ago and I have about £7000 worth of debt (a egg loan, credit cards and store cards). I am just about making ends meet each week but I know it's only a matter of time before the poo hits the fan

Broken_hearted

I don't tghink they do, at least they didn't with us as not enough spare income. I hope i'm wrong, but if I'm not you can still negotiate with companies yourself.

tina68

Broken_hearted wrote:

I don't tghink they do, at least they didn't with us as not enough spare income. I hope i'm wrong, but if I'm not you can still negotiate with companies yourself.

So what would happen if the companies won't negotiate will CAB do it on your behalf???
Tina x

samplerfan

You can use the CCCS if you are on benefits. I have two friends who have large debts (35.000) and are both on disability benefits. They both have DMP's with CCCS. I think when you have your telephone interview the sticking point on wether they can help you is wether you actually have enough money spare to make payments. Give CCCS a ring..

looby75

Thanks everyone.

My freind is going through some pretty heavy stuff at the moment due to unpaid council tax and her finances are in a total mess. It's been a big wake up call for me, and I realise I have to do something or I am going to end up in the same kind of mess.

I just haven't got the foggiest where to start

lynzpower

Loopy75

Have you done an SOA yet? They can be most enlightening and really helped me get ship-shape.

Lynz
x

aimme13

I have a DMP with payplan, although i was with my partner and we were both working when we first went with payplan, i am now single and on benefits. As far as i am aware its doesnt matter if you are working or on benefits its a question of how much you owe against how much you have coming in.
Hope this was of some help

Donedoingdebt

Depending on what benefits you're receiving, do you have any payment protection insurance with any of these loans or cc's?

tina68

looby75 wrote:

Thanks everyone.

My freind is going through some pretty heavy stuff at the moment due to unpaid council tax and her finances are in a total mess. It's been a big wake up call for me, and I realise I have to do something or I am going to end up in the same kind of mess.

I just haven't got the foggiest where to start

Get this sorted 1st as it's a priority debt so is rent arrears if you have any!
i got a self help pack from cccs and c/tax accepted my offer..i sent them my budget sheet too so they could see my ins and outs for each month
Good luck
Tina x

looby75

I haven't done a SOA yet, to be honest I'm a bit scared too. I know that's me just burying my head in the sand but I think I will totally freak out when I see just how much of a mess I am in!

I don't have payment protection on any of my cc or the loan, I did manage to pay off a lump sum from my loan earlier this year which considerably reduced the monthly payments which was a big help, but the interest rate on my Halifax cc has just jumped from 14.9% to 18.9% (I have no idea why) so that has bumped my payments up on that card.

Get this sorted 1st as it's a priority debt so is rent arrears if you have any!

Thankfully rent and cc is the one area I have no problems with. When my husband left he had already paid the rent/cc for that month and my benefits kicked in before I ran up any arrears. The problem I have is with debt that I had before he left and because I have been robbing peter to pay paul for so long.