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System

burmesejack wrote: »

I am looking at possibly setting up a debt management plan, but wanted to check whether the income and expenditure should be the household or just me?

I am married but we have nothing joint.
All the debts(bank and credit cards) are only in my name.
Should it be a joint DMP, or do I look at just my income?
If just me, I wouldn't have any disposable income so guessI would probably need to look at IVA or bankruptcy.

Thanks

ps I have read up online and think I can put joint income, but get husband's share of leftover money deducted, but there's no facility for this on cccs site?

Hi Burmesejack and thanks for your post.

Ideally it would be good to look at the household income as joint so that we can see the split on bills and make sure you’re paying your fair share.

If a DMP isn’t right for you we can guide you through the other options.

You can do this on Debt Remedy and if you’re struggling you should be able to get online help. However, you can give us a call on ring our free Helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm.

If you phone us it may be possible to refer you directly to a counsellor for immediate advice. Alternatively, we will arrange for an appointment to be booked at a time convenient for you.

I hope this helps.

Kind regards

Mat

System

PoshPants wrote: »

Reposted from another thread as advised - Any opinions would be great.

Finally had my call to confirm my DMP had been passed to CCCS which is good. They mentioned about possibly requiring my proof of earning which is fine.

My question is regarding my commission payments. I'm in a sales kind of role and have a basic salary, plus if I hit target it means my commission payments can be anywhere around £400-£1000 per month. I did ask National debtline whether to declare this but they advised not to as it wasn't guaranteed which makes sense.

However, I'm concerned that my last 3 pay slips show values of commission for these amounts and wonder if that would make them (whoever them may be) think I'm trying to pull a fast one. Ideally I'd be happy to use this as extra towards my DMP but there's always a possibility I won't hit target (which this month looks like the first that will happen.

Hi PoshPants and thanks for your post.

It’s best to base the DMP on your basic income. When you do earn the commission you can always pay these extra amounts in to get your debt free quicker.

You can either call us or pop a note in a letter to explain this.

I hope this helps.

Kind regards

Mat

System

kimbo1976 wrote: »

Hi

I wonder if anyone can help me please. I am just starting a DMP with CCCS and have opened a new bank account with Halifax from Natwest.

I have just found out that Aqua Credit Cards (who i have a £850 debt with) are part of Halifax. Does this mean that Halifax will take some of my salary that is due to be paid in next week to pay off this debt?

Any help would be gratefullly received?

Thanks

Hi kimbo1976 and thanks for your post.

It doesn’t mean that Halifax will automatically take this money, but it does mean because of the right of offset they could take the money if they wished.

My advice would be to open a new basic account with another bank not connected to any of your creditors.

I hope this helps.

Kind regards

Mat

System

misstasty wrote: »

Hi I hope you can help, I have a number of DCA companies that I am trying to deal with in order to Clean up our credit files.
Firstly I have a default registered, I CCA'd them and they came back with that they didn't need to provide one because it was for an overdraft, so then I snet a subject access request to see what charges ect had been applied. They sent back some screen shots, but no default notice was enclosed. I wrote back to them on the 12 May asking for a copy of a default notice but they have not responded.
Secondly On my husbands file are 2 defaults. First is registered with fredrickson, I CCA'd them and they promptly (Via bryan carter) said they had returned the account to the original creditor. I then wrote back and asked them to remove the default status attached to them. They wrote back and said that the default stands and gave me an address for another DCA comapny to write to and again said they were no longer dealing with the matter....

Thirdly, Hillesden have a default registered but have been faffing about by not providing a copy of the CCA since feb...firstly I did not word my letter correctly so they wrote back and said they were not in default as I had not sent the pound fee or quoted the law. so I responded with the pound fee and obligotary law speak...they have now written back and said that they are trying to obtain the CCA from the original creditor and will write back to me in 21 days with an update....I am sure that they are not allowed to stall in this way, either they have the paperwork or they don't and if they don't what can I do next????

Many many thanks

Hi misstasty and thanks for your message.

It’s not clear if you are disputing the fact that you owe these companies money. If these are liable for these debts I would recommend that you come to an arrangement with the companies to pay the amounts owed.

Companies are unlikely to remove defaults when the original terms and conditions have been broken. A recent ruling in the courts suggested that credit companies do not have to provide the original terms and conditions in order to enforce debts especially where this was being used as a debt avoidance tactic.

If you’d like some further advice please contact us.

I hope this helps

Kind regards

Mat

misstasty

marriedlady wrote: »

Hi,

Please could you tell me if this is to be believed...

We asked how long it would take to clear the following debt. The Debt Management Company (not one of the free ones!) sent us the following:

43.3 months at £179.02 to pay £4,404.46 to Westcot and £3,247.43 to the Debt Management Company = £7,751.89.

Will these figures be fixed? Do interest/ fees get added on, will we have to pay more for longer? Just don't know how these things work! Just need to know if the goal posts are going to be pushed back.
regards

Hi Marriedlady
Please seek help from one of the non fee paying DMP's I have just come out of one of those and to be fair I have paid more to the DMP company than I did to my creditors, I've still been left with a default and my OH has 2 plus a CCJ. All they are interested in is your cash hun...nothing else, you owe them nothing! If we'd done an IVA we would be debt free now and I wouldn't be fighting various debt collecting agencies to try and sort out this whole mess I've found us in xxx

Any advice gratefully received

misstasty

CCCS_Mat wrote: »

Hi misstasty and thanks for your message.

It’s not clear if you are disputing the fact that you owe these companies money. If these are liable for these debts I would recommend that you come to an arrangement with the companies to pay the amounts owed.

Companies are unlikely to remove defaults when the original terms and conditions have been broken. A recent ruling in the courts suggested that credit companies do not have to provide the original terms and conditions in order to enforce debts especially where this was being used as a debt avoidance tactic.

If you’d like some further advice please contact us.

I hope this helps



Hi Mat
Many thanks.

We do owe some money but because the debts have been passed on to vaious debt collecting agencies and from what I can gather fees ect been added on I have no Idea what is what, We've been in a DMP for 5 years and out of the country, now we're back I have discovered this whole mess thats why I have gone back to basics and started the whole process of CCA requests, SAR's ect, thing is they are not playing fair. Non of them can actually provide any paperwork. One supplied a SAR but it had not mention of a default notice in it, just various screen shots of payments made by the Debt management company...I am not trying to avoid paying, but will only pay what is owed, which is about half of what they are quoting on my credit file!! .

kimbo1976

CCCS_Mat wrote: »

Hi kimbo1976 and thanks for your post.

It doesn’t mean that Halifax will automatically take this money, but it does mean because of the right of offset they could take the money if they wished.

My advice would be to open a new basic account with another bank not connected to any of your creditors.

I hope this helps.

Kind regards

Mat

Thanks Mat

I also have a debt with Lloyds and i understand that Halifax are also part of Lloyds. Does the same apply, could Lloyds take money from my Halifax or do they have separate banking licences?

One other question, i received my pack last Thursday from yourselves but it didnt have the template letter enclosed where i can send a token payment informing my creditors i am going on a DMP with CCCS. I phoned CCCS on Friday and they said they would send me one out in the post but it hasnt arrived as yet (appreciate we have had the weekend) Just wondered whether you could email me a copy as i am keen to send the letter as payments are due out over the next few days

Thanks again

sarahb7538

Help, I am currently in a DMP which the CCCS and it has been running for a while with no issues.

When i took on the DMP I had a phone contract with O2 that was running at £35 per month, i was tied in for 24 months. This came to an end in March 2011 and I cancelled this contract. As i need a mobile phone i downgraded to their sim only rolling contract at £10.20 pcm. Saving me more money as i have really been struggling with the cost of everything going up so much. I was given a new number as it was a new sim card etc. I have just had a letter today off one of my creditors wanting to review my payments as i have taken out a new credit line !!!

It makes sense now - of course i have but at the time it totally did not twig. Now i'm so worried I have jepodised my DMP. What should i do? I honestly only thought that i was doing something good reducing the amount I spend as PAYG costs an arm and a leg. What do i need to do to put this right.

Thanks in advance

BlueArmy73

Hi there,

I am looking for some advice. I have managed to run up a few credit cards (Silly I know)
I have one which I never use anymore and havent activated the new card so I dont use it.
I am now struggling to meet the minimum payments on them all. It is getting to the point that I am probably going to have to miss paying some each month.
Is there anything I can do to get them to lower the payments or stop the interest? Interest is taking all the payment but £5 on one of them. Its like £55 interest and £5 off balance.
I am unemployed at the moment. My wife works but she has her own cards to pay.
Really starting to struggle here.
I was told by someone to send in CCA requests to all creditors, ideally I want to pay them off of course. But I am getting desperate.
I realise it would be handy to list earnings and outgoings etc, but at the moment there really are no earnings for me....
Any advice appreciated.

Mark

CCCS_Matthew

misstasty wrote: »

CCCS_Mat wrote: »

Hi misstasty and thanks for your message.

It’s not clear if you are disputing the fact that you owe these companies money. If these are liable for these debts I would recommend that you come to an arrangement with the companies to pay the amounts owed.

Companies are unlikely to remove defaults when the original terms and conditions have been broken. A recent ruling in the courts suggested that credit companies do not have to provide the original terms and conditions in order to enforce debts especially where this was being used as a debt avoidance tactic.

If you’d like some further advice please contact us.

I hope this helps



Hi Mat
Many thanks.

We do owe some money but because the debts have been passed on to vaious debt collecting agencies and from what I can gather fees ect been added on I have no Idea what is what, We've been in a DMP for 5 years and out of the country, now we're back I have discovered this whole mess thats why I have gone back to basics and started the whole process of CCA requests, SAR's ect, thing is they are not playing fair. Non of them can actually provide any paperwork. One supplied a SAR but it had not mention of a default notice in it, just various screen shots of payments made by the Debt management company...I am not trying to avoid paying, but will only pay what is owed, which is about half of what they are quoting on my credit file!! .

Hi mistasty and thanks for your reply.

I understand your situation a little better now.

The creditors may not have stopped any interest or charges while you were in your debt management plan, if you were with a fee charging company obviously a percentage of what you were paying was also going to that company.

In these situations it is possible that your debts have actually grown while you were away. If you have access to your credit file and know who the debts are currently with I would recommend that you contact us so that we can see what solutions are available to you.

In regards the SAR and the default things can get very complicated once the debt has been passed from one collection agency to another (the default was more than likely placed by the original creditor but could have been done after the debt was passed on). I think the best way forward is to give us a call and see how we can help resolve this for you.

I hope this helps

Kind regards

Mat