Just taken the first step *scared*

betterlatethannever

HI MF
its been some years since my CCCS call, but if i dig into the dark depths of my memory i think you'll need

• plenty of time. The call can last 1 hour or more, so switch off doorbell, mobile etc
• Details of all your incomings
• Details of your outgoings
• Details of all your debts
• Pen and paper to make notes.

as my outgoings exceeded my incomings, i was advised by them that my only option was BR.
They'll help you decide what your best option is for your circumstances.
They advise on how to deal with your creditors and send you a great info pack full fo advice and letters that you can copy and send to creditors, advising them that you are seeking help with your debts.

Thats all i can remember for now (think i'll need a lie down after that :rolleyes:) but i'm sure someone with more recent knowledge will be along to advise you more.
Good luck

PS have a large mug of tea/water/whatever;) next to you while taking the call.

stressedandconfused_2

Best of luck, Maidenfan - my experience of CCCS before BR was superb, they are helpful, honest, knowledgeable and efficient. Great start, they will advise you well. and btw my partner is solvent, careful with money, not got a debt to his name, I have made sure I am not associated with him financially AT ALL, no joint accounts etc. GOOD LUCK!!

stressedandconfused_2

hey betterlatethannever - where did you get your doorbell??? Never heard of one you can switch off.... lol (am filling in forms today so deserve a quick laugh...)

betterlatethannever

stressedandconfused wrote: »

hey betterlatethannever - where did you get your doorbell??? Never heard of one you can switch off.... lol (am filling in forms today so deserve a quick laugh...)

Yes, if you have one of them thats wireless.
You simple pull out the battery or plug.:D
If only men came made that way:beer:

stressedandconfused_2

No need for battery or plug for blokes. I just put on America's Next Top Model, The Secret Millionaire (for a good weep) The Food Channel or Katie and Peter Getting Married / Divorced and he disappears....

philnicandamy

betterlatethannever wrote: »

Yes, if you have one of them thats wireless.
You simple pull out the battery or plug.:D
If only men came made that way:beer: oh? thats not what you said last time....I thought I was always your little energiser bunnie....:D

philnicandamy wrote: »

katie and peter??......nooooooooooooooooooooooooooooooooooooooooooooo

just a few mad addittions

So_Sad_Angel

Hmmm Phil....I`m disappointed that you did`nt add a picture of energiser/duracell bunny :D

Good luck tomorrow Steve....CCCS will want to go through all your income & expenditure & the debts that you have. They will make a conclusion based on that info. On the CCCS website there is a debt remedy that you could attempt & print so that you have the info that you need.

Let us know how it goes.

Angiexx

philnicandamy

So_Sad_Angel wrote: »

Hmmm Phil....I`m disappointed that you did`nt add a picture of energiser/duracell bunny :D

Angiexx

who me?....cant have you dissapointed can we? :D

serious face now.....hope all goes well tomorrow steve least it'll help get everything straight in your head...and remember anything your not to sure about afterwards just shout

maidenfan

So the top and bottom of the conversation is as follows

I now have 2 options

Opt. 1 IVA
Because i have £185 left every month (Not inc the loan i pay, which is in mums name) the £225 i pay for the loan in mums name can be included in my outgoings with this option, i am told i will have to pay all of the £185 to my creditors for 6 years

Opt. 2 BANKRUPTCY
With this option the £225 for the loan will not be inc. in my outgoings, giving me a total of £410 spare each month of which the official receiver would want in the region of 70% each month towards my debts for the next 3 years

I was worried before the call, now i am at my whits end

tigerfeet2006

Pop up your SoA for us and some one will look at it as an OR will and see if you really have that much surplus.

http://www.makesenseofcards.co.uk/soacalc.html

Format to MSE and C&P in a thread.

Bear in mind that the IVA will be more rigid if you want to make changes because of a change in circumstances.

With an IPA in BR if you have a change in circumstances you let them know and they will reduce or suspend the IPA appropriatly with no fuss.