Struggling with debt? Ask a debt advisor a question

josscotgrave

I recieved a letter from the baliffs mid October for the sum of about £770 so I decided to start sorting it out and pay them £100 a week. They said they couldnt accept any payment without entering my parents house and making a levy.
So Now heres my new postion and heres where I need advice:

I sent the baliff a third letter along with another payment which said that I would not be paying the 2nd visit charge due to the inaccuracies of what the baliff had posted through my door (the balance wasnt the same) I have just recieved the following letter Today from them:

With reference to your recent letter the contents of which have been noted.
I regret to inform you however, that your file has now been passed to the baliff for further action.
All offers of payment should now be made directrly to Mr. X, telephone number XXXX XXXXXXXXX
yours faithfully Penham Excel.

I am now writing back to them (with no payment) saying I have recieved their letter and Ive asked does this mean i can not make any more payments direct to them? and if they have an addresss for this baliff for correspondence?

advice of the matter is appreciated.

jon

Initial debt £735.77
1st visit £24.50
Postal order payment -£100
Cash payment -£100
Cash Payment -£70
2nd Visit £18
Current Balance £508.27

ineedsumadvice

hi thanks for the advice. i have done a debt remedy and a dmp came up as my best option,i have recievied booklet and emails with details of my next step.on the email it shows £175 a monthly deposit to pay,does this mean i only pay that out every month rather than the £700+ that i pay now.how long does it take for it all to be put in place?

ilona81

Hi

I am currently on a DMP with CCCS which has been going well, but for te last couple of months Santander have added £45 to my credit card debt of £3255.91?

On the statement it lists it as a new transaction, Debit Manual Adjustment Reage Credit, does anyone know what this means??

Thanks

CCCS_Sue

chunkey101 wrote: »

Hi

I am about to enter the third year of my DMP with CCCS, everything has been going very well apart from one creditor. Last year Barclaycard advised that they had started to charge interest to my account, I wrote to them and explained that non of my other creditors were adding interest and that they were not being very helpful in helping me pay of my debts. They basically replied sying tough luck and that it was still at a lower rate than normal and they could start to charge full interest ant time they felt like it. I decided to live with and felt I would have to a couple of extra payments at the end of my DMP. Yesterday I received another letter saying that they are goint to increase the interest rate again. My question "Is there anything CCS or I can do to stop them charging interest ? do I ask them to take me to court and let a judge decide if they are being unreasonable and unfailr ?"

They are one of my smaller creditors and all others have been excellent.

Thanks in advance
Chunkey

Hi chunkey and thank you for your message

This can be so frustrating, especially when all the other creditors have agreed to stop the interest and charges and you are doing all you can to try and clear the debt as soon as possible!

In most cases, there is nothing you can do to stop interest and charges being added.

However, you could call our client support team and let them know about your recent letter from Barclaycard.
As they have access to your account, they will be able to advise you further


Regards
Sue

CCCS_Sue

josscotgrave wrote: »

I recieved a letter from the baliffs mid October for the sum of about £770 so I decided to start sorting it out and pay them £100 a week. They said they couldnt accept any payment without entering my parents house and making a levy.
So Now heres my new postion and heres where I need advice:

I sent the baliff a third letter along with another payment which said that I would not be paying the 2nd visit charge due to the inaccuracies of what the baliff had posted through my door (the balance wasnt the same) I have just recieved the following letter Today from them:

With reference to your recent letter the contents of which have been noted.
I regret to inform you however, that your file has now been passed to the baliff for further action.
All offers of payment should now be made directrly to Mr. X, telephone number XXXX XXXXXXXXX
yours faithfully Penham Excel.

I am now writing back to them (with no payment) saying I have recieved their letter and Ive asked does this mean i can not make any more payments direct to them? and if they have an addresss for this baliff for correspondence?

advice of the matter is appreciated.

jon

Initial debt £735.77
1st visit £24.50
Postal order payment -£100
Cash payment -£100
Cash Payment -£70
2nd Visit £18
Current Balance £508.27

Hi josscotgrave and thank you for your message

You should try to continue to maintain the payments.

You could ring the person they have asked you to make payments , for the address for the payments.
You should come to an arrangement either directly with the bailiffs or ask the local authority to withdraw the warrant and take the debt back. Most local authorities will want to come to an arrangement with you if it results in regular payments.

I have attached a link to a website called Bailiffs Advice Online which you may find useful.
http://www.bailiffadviceonline.co.uk/

Kind Regards

Sue

CCCS_Sue

ineedsumadvice wrote: »

hi thanks for the advice. i have done a debt remedy and a dmp came up as my best option,i have recievied booklet and emails with details of my next step.on the email it shows £175 a monthly deposit to pay,does this mean i only pay that out every month rather than the £700+ that i pay now.how long does it take for it all to be put in place?

Hi ineedsumadvice and thank you for your message

The deposit is based on the amount that is left after paying all your priorities.
This is then calculated on a pro rata basis so that all your creditors get a fair share of what you are able to realistically afford.

As soon as we receive all the necessary information and paperwork from you, then your DMP should be up and running fairly quickly.
In the meantime you need to write to your creditors using our template letter explaining you are going on a plan with us and send this with an offer of payment you can realistically afford for this month.
If you need any further help, you can contact our Debt Remedy team free on the number in your booklet.

Kind Regards

Sue

CCCS_Sue

ilona81 wrote: »

Hi

I am currently on a DMP with CCCS which has been going well, but for te last couple of months Santander have added £45 to my credit card debt of £3255.91?

On the statement it lists it as a new transaction, Debit Manual Adjustment Reage Credit, does anyone know what this means??

Thanks

Hi ilona81 and thank you for your message

Please contact our client support team regarding this as they have all your account details and will be able to explain this further for you.

You can email them with your account number
[EMAIL="contactus@cccs.co.uk"]contactus@cccs.co.uk[/EMAIL] or you can call them.

Kind Regards
Sue

greenback

Hi

I set up my DMP with CCCS in July 2009. I have four payments left until my debts are cleared. What happens after this? Do CCCS send a letter to me to say that my DMP is finished or do my creditors send me letters?

Thanks

gabriella90

Hi CCCS,

I'm am currently on a DMP with yourselves and all is going well. I am due my review in January, my circumstances hopefully will have changed with regard to a jobs enabling me to increase my income.

Barclaycard and RBS have only agreed my DMP for a year. Do i write to them asking them to continue the agreement or do CCCS send letters around the time of my review?

Thank you for your time.

sj1977

CCCS_Sue wrote: »

Hi and thank you for your message

If you fall behind with your payments, the creditor may be able to repossess the goods. Details will be written in the terms of the agreement in the box; ‘repossession: your rights’. This explains how much you need to have paid to stop the creditor taking the car.
When a third or more of the total amount has been paid the goods become ‘protected goods’ and the creditor must go to court for an order for their return, unless you give consent to the repossession. They cannot just come round and remove them.
I would recommend that you contact ‘Consumer Direct’ who may be able to give you further help and advice regarding your legal rights regarding this. Consumer Direct is the government-funded telephone and online service offering information and advice on consumer issues. Consumer Direct is funded by the Office of Fair Trading and delivered in partnership with Local Authority Trading Standards Services.
I have attached a link for you:
http://www.consumerdirect.gov.uk/

You could also call us for an appointment to speak to one of our debt counsellors about your situation. They will help you to prepare a budget which you can use and also explain all your options.
To book an appointment with one of our trained counsellors you would need to contact our helpline free on 0800 138 1111. Lines are open Monday to Friday 08:00-20:00.

Hope this helps

Kind regards
Sue

thank you for your reply, I have contacted Consumer Direct through their website. As I am in work this week.