CCCS won't remove Debt from DMP

Oneday77

You might have seen my update to http://forums.moneysavingexpert.com/showthread.html?t=2273405 yesterday where Lowell told me they were closing a file as they couldn't produce the CCA.

Now the CCCS say I have to keep it on my DMP and continue to make payments. Surely this can't be right?

Tbh I would be happy to pay the debt off in some form eventually. However their payment is over a third of my DMP payment and I would rather pay more to other debts that are enforceable. I really don't want to self manage as the CCCS make it so much easier to sleep at night for me. Yes I know I can't always have my cake and eat it.

fatbelly

Hi

I guesss this might be one for the 'Ask CCCS a question' thread.

My logic would suggest that this debt is now of lower priority than enforceable debts and that all available income should go towards clearing your enforceable ones.

Oneday77

That's what I was thinking. I have emailed CCCS to confirm their answer and suggest they reprioritise. I will have to wait till monday to find out.

DarkConvict

I concur, i wouldn't make payments to it when you have more higher priority debts.

Oneday77

Update: - The CCCS will not adust my payments to Lowell. According to them if a debt doesn't have either a fixed payment ie lOan repayment or a contractual % repayemt ie 3% on CC they set the original contractual payment to be 5% of teh balance. So that way all creditors are treated fairly when they divy up the payments.
If I want to do anything else I either have to self manage or clear the Lowell Balance. Now it is not enforceable I am going to try the honourable thing, pay a F&F, starting low to test the water. After that I will pursue the template option to get it off my name entirely.

scouselad1974

Good luck with the full and final, I hope they accept a low offer.

xgingerx

Hi, you could just logon to the cccs website and amend the balance to Zero for that particular account, this way the money allocated to lowell will get redistributed to the others on your list, you dont need to discuss anything with CCCS as long as you know what your doing as to add it back on later, sure will look a bit odd.

This is very simple, hope this helps

xgingerx

BTW , i have done exactly that when i cleared a few of my smaller debts with f&f settlements.

tygar2

xgingerx wrote: »

Hi, you could just logon to the cccs website and amend the balance to Zero for that particular account, this way the money allocated to lowell will get redistributed to the others on your list, you dont need to discuss anything with CCCS as long as you know what your doing as to add it back on later, sure will look a bit odd.

This is very simple, hope this helps

Wow. Very simple indeed!:rotfl::rotfl:

scouselad1974

Have CCCS not asked you to send proof of the debt being paid in full ?

I have a few smaller balances and mentioned to CCCS that I would like to pay them off with a bit of help from family, I was told that I would need to send in proof that the debt had been paid before they would remove the debt from my dmp.

When you ammended the balances to zero, did they drop off your DMP the following month ?

xgingerx

scouselad1974 wrote: »

Have CCCS not asked you to send proof of the debt being paid in full ?

I have a few smaller balances and mentioned to CCCS that I would like to pay them off with a bit of help from family, I was told that I would need to send in proof that the debt had been paid before they would remove the debt from my dmp.

When you ammended the balances to zero, did they drop off your DMP the following month ?

hi, yes they did, so I made sure i amended balance to Zero before the week the payments get sent out. The only time I have spoken to CCCS is when i first set it up, once a year review to make sure im happy with the monthly payment and thats it really, Ive f&f about 4 accounts in the last 2 years out of 11 at the start and they have never asked about these, u have a drop down menu when u amend your balance and i just clicked gift from family / friend or additional payment to creditor, there are quite a few.