DMP - with cccs

poppop09

Hi i am new this forum and i am considering going with the CCCS and wondering how good they before i sign up to help me to get out of a financial mess that i have got myself into i would love to hear from people who have gone down this route.thanks

edrushuk

Hi ya I am Susanna,

I have been on a dmp with the CCCS for about 2 years,(another 4 years to go) and they have been brilliant!

But what exactly do you want to know?

S

poppop09

Hi Susanna,
i just want to know if they are really good to go with before i sign up.

sunnydais

Hi Poppop
just starting out on mine and am very happy with CCCS so far! Was just about to go with a feepaying debt management company before I discovered them on this site

LittleMissSkint

I started my DMP with CCCS 2 months ago and I think they've been fab from day 1. They have never judged us or our situation, they are always polite and helpful and our DMP was all set up really quickly (even through the postal strikes).

robsmum_2

Hi, Been on mine 6 months now. Best thing I ever did. Always polite, very helpful and had no problems. I have never seen any bad reports from anyone about them.

poppop09

if i consider going on the dmp would it affect our mortgage as our fixed rate runs out next year(joint mortgage)our mortgage is up to date never missed a payment thats always one thing we will never miss.but will it affect getting a better rate or payments going up.

edrushuk

Like everyone else, I have had no problems with CCCS, they have been friendly, honest, straightforward, even when I have to reduce the amount I was paying.

They handled it all. All the harrassing phone calls stopped.

Nothing but good things to say about them

Susanna

Tixy

Hi poppop

Yes being on any DMP will probably affect your ability to get the best remortgage deals. If you speak to CCCS about your concerns they will talk you through these implications.

That said if you have already been missing payments on your creditors then being on a DMP may not make the situation worse. And if you don't choose a DMP and start missing payments etc then again this will affect your credit rating as well.

Is it just you going on a DMP? do you have other joint products aside from the mortgage? could OH get the mortgage approved alone?

poppop09

Hi Tixy,
yes its just me going on the DMP,

natwest overdraft sent to triton(joint) £3179.29 been gong since 2000 as this was a ovedraft then made into a personal loan.
we managed to get a mortgage 2 years ago even though we were still paying into this one.
the mortgage is joint but was based on my hubbys wages.
natwest overdraft sent to triton(joint) £5639.74 2 months ago.
argos card £673.34 (me)
barclaycard cc £1698.78(me)
vanquish cc £534.08(me)
next sc £585.40(me)
cap one cc £639.45(me)