Barclays and CCCS help please

luis1973

I have my CCCS appointment on Tuesday but am scared now. Was reading another post about IVA (?) and it said you needed a disposable income. Is this true of the CCCS? Am getting really confused.

I am doing the appointment on behalf of someone else who is currently out of the country (not by choice) and he has no disposable income. He has debts of £6000 :eek: with Barclaycard but is now awful wages. After his rent and transport and food there he has the equivalent of £10 left a month.

He doesn't want to default on his debts but his circumstances are that he just cannot pay.

I would appreciate any help.

bluezone

I'm afraid I cant offer any advice. See what they say - they may accept the £10 a month for a while.

bikerqueen

will cccs deal with you on behalf of someone else?

Conor_3

bikerqueen wrote:

will cccs deal with you on behalf of someone else?

As far as I know, they're not allowed to. At the very least the Data Protection Act prevents them. You can only do it if you're legally appointed as a trustee.

Conor_3

luis1973 wrote:

I have my CCCS appointment on Tuesday but am scared now. Was reading another post about IVA (?) and it said you needed a disposable income. Is this true of the CCCS? Am getting really confused.

I am doing the appointment on behalf of someone else who is currently out of the country (not by choice) and he has no disposable income. He has debts of £6000 :eek: with Barclaycard but is now awful wages. After his rent and transport and food there he has the equivalent of £10 left a month.

He doesn't want to default on his debts but his circumstances are that he just cannot pay.

I would appreciate any help.

He's going to end up with defaults. It's unavoidable. CCCS can only help if there's money to pay the debt with.

Barclaycard may well decide to issue bankruptcy proceedings against your friend if it looks like there's no way of getting the money back. At best, they may write it off but a bad credit history is unavoidable.

luis1973

They said they would as long as I had a letter of authorisation from him. Barclays said the same. It was just a standard letter giving details of his account.

His situation will change in about six months time as he will be able to come back in the country (hopefully)

Wonder_Girl

Hiya,

First of all CCCS do not do IVA’s they do DMP’s I think you may have got them mixed up

They will need some kind of disposable income to enter into a DMP (at least £5 per creditor) Bankruptcy isn’t an option whilst they are out of the country either. To be honest I’m not entirely sure what it is he wants at the moment. He will probably be offered “Token payments” until he can increase his income.

CCCS will need to have received the letter of authority before the appointment as otherwise it won’t be able to take place.

I’m afraid it doesn’t look like he has much option about defaulting. If he can’t pay the min amount it’s going to happen whether he likes it or not.

Sorry I couldn’t offer anything more positive

WG x

Wonder_Girl

luis1973 wrote:

They said they would as long as I had a letter of authorisation from him. Barclays said the same. It was just a standard letter giving details of his account.

His situation will change in about six months time as he will be able to come back in the country (hopefully)

That’s right, just a basic "I the account holder give my express permission for name of person to deal with my accounts in full on my behalf until further notice" will do the trick.

May I ask what he is aboard and can’t return at present? Not meaning to pry but it could make a difference to his options.

luis1973

Thanks for all your help.

The reason that he is out of the country is because his visa expired. We are getting married in a few months and will apply for him to return but in the meantime I hate the thought of this debt hanging over us.

He wants to pay a small amount just to keep it ticking over and then when he returns to the country and gets a good job he will pay more.

The main reason he got into difficulty in the first place was that (before he met me) he was made redundant. Despite have protection insurance Barclays didn't do anything. They also promised to lower his interest rate but again still didn't do anything.

He stopped paying for a few months in protest. I know this is stupid but he was just angry with them. Then he got back on track and then all of this happened with his visa and it just got forgotten.

I then had to pick up the pieces and it has taken me weeks of calls to get this sorted- and the post takes forever.

It is completely our fault but in a way we feel that Barclays has screwed him over also. Kind of at a loss as to what to do.

Would never just run away from paying but it has just got completely messed up.

Am also terrified that the debt will stop his chances of coming back into the country.