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StepChange_Pavan

Viviana wrote: »

I want to transfer my debt to a new card as suggested but although my bank is in UK I live abroad and don't seem to find a card that will accept my application as they only want to deal with UK residents. Thanks

Hi Viviana and thanks for your post.

You need to be a UK resident to apply for credit in the UK, so unfortunately you won’t be accepted unless you have an address here.

If you’re struggling with your repayments you can call us on +44 113 297 0126 to book an appointment with a counsellor.

Kind regards,
Pavan

nikkiemac8

Hi I am looking for some help, I have a bank overdraft of £1500, the only income I have after losing my job is JSA, I am being charged £30 pm or £1 everyday I dont pay it back, I have spoke to the bank numerous times and they refuse to help me, my credit limit is non existent so a loan is out of the question, is there anything I can do to help lower this debt or get help with paying it back? thanks

FormandFunction

Hi,

I was looking at applying for an IVA through CCCS when I had to move to Scotland for work. As such I have stopped the process but am I wrong to do so? Can I continue to apply for an IVA even though I have now moved north of the border?

I understand up here there is the Trust Deed but it appears this is less likely to be considered than an IVA by the creditors unless "protected" by a property? If I put the same details into debt remedy but now saying I live in Scotland the suggestion changes from IVA to Sequestration; this I would consider but I'd rather not lose my bank account (no debt to them) and I'm not eligible for the LILA income limits so don't see how I could make it happen. (I have plenty of chasing letters/phone calls but no "summary warrant" or "charge for payment")

Finally, do any of the IVA/trust deed/sequestration allow you to take into account and continue to pay a debt to a family member's credit card?

Thanks for your help once again!
FandF

stephen1000

Hi we are on a DMP with the CCCS can you tell me can we still Reclaim pp insurance and set aginst this debt or is this a bad idea

thanks

ctarry

I am just waiting for a couple of statements, before i can send my DMP agreement to you at cccs.

I do have a payment due in just under 2 weeks time, so I will need to send them a token payment

is it better to send a token payment with the letter in the DMP pack letting them know that I am setting up a DMP, or will it be OK just to send them a payment of £5 online, as i do have internet banking account, and mention on the letter that I have sent a payment online?

thanks

jamespir

i have a question why do certain debt recovery companies send you letters out with a different name yet it is them

strollertoo

Hi
I was hoping one of your advisors could help. I am currently using a company called One Debt Solutions with whom for the last 14 months I have not had many issues.
They told me up front that letters and calls would continue and to refer everyone to them.
They also stated that we would be paying them a management fee and explained that the way they operate was to collect payments then offer a settlement on behalf of multiple clients of each creditor.
This seemed logical and I understand that these companies do not operate for free.
I have never seen this one advertise on TV or magazines or papers.
I started to have misgivings when they claimed too much money by direct debit two months in a row and as my bank threatened to apply charges I advised them I had managed to recall that months payment which I intended to keep to cover potential charges.
I also advised them I would change the payment method to standing order and again they agreed to this.
Two days ago I was contacted by a lady from a company called Financial Debt Helpline who claimed our creditors had referred us to them as they were not being paid.
She basically performed a character assassination on One Debt and described how they would keep all our money in a "pot" and at the end of the agreement claim it had been used for lawyers fees and their fees and we would end up in more debt than before.
I emailed One Debt and asked them to provide a detailed statement of how our accounts sit at the moment.
They have responded by making a telephone call to my home taken by my wife who said they explained things in great detail to her satisfaction. I still have my doubts as we are still receiving letters and calls from our creditors saying they are not being paid.
I now have considerable concerns that I am wasting my time and money and even greater concerns that someone seems to have sold on my details to another debt management company.
I have looked through your forums and found some negative oposts about One Debt and one positive one.
I am fully aware that companies of this type would try to infiltrate forums such as this in order to protect their reputation.
I would be very interested to hear what the moerators and advisors have to say about both these companies and how they recommend I proceed
thanks in advance

StepChange_Pavan

nikkiemac8 wrote: »

Hi I am looking for some help, I have a bank overdraft of £1500, the only income I have after losing my job is JSA, I am being charged £30 pm or £1 everyday I dont pay it back, I have spoke to the bank numerous times and they refuse to help me, my credit limit is non existent so a loan is out of the question, is there anything I can do to help lower this debt or get help with paying it back? thanks

Hi nikkiemac8 and thanks for your post.

It can be a good idea to write to your creditor, explaining your situation and offer them a copy of your budget as proof. There’s no guarantee that they will stop any charges but you can ask for their consideration in doing this.

If you’d like some help with this and some more guidance you can use our online advice service Debt Remedy (http://www.cccs.co.uk/ref/drcu).

Kind regards,
Pavan

StepChange_Pavan

FormandFunction wrote: »

Hi,

I was looking at applying for an IVA through CCCS when I had to move to Scotland for work. As such I have stopped the process but am I wrong to do so? Can I continue to apply for an IVA even though I have now moved north of the border?

I understand up here there is the Trust Deed but it appears this is less likely to be considered than an IVA by the creditors unless "protected" by a property? If I put the same details into debt remedy but now saying I live in Scotland the suggestion changes from IVA to Sequestration; this I would consider but I'd rather not lose my bank account (no debt to them) and I'm not eligible for the LILA income limits so don't see how I could make it happen. (I have plenty of chasing letters/phone calls but no "summary warrant" or "charge for payment")

Finally, do any of the IVA/trust deed/sequestration allow you to take into account and continue to pay a debt to a family member's credit card?

Thanks for your help once again!
FandF

Hi FandF and thanks for your post.

As you’re already a client of ours and you have a reference number I’d recommend that you contact us as we’ll have all your information already. You can either contact web support with your new reference number or use your old one and give us a call.

You’re right to stop the process as your main centre of interest would need to be in England or Wales. However you will not be able to pay someone else’s credit card if you are looking at a form of insolvency.

I hope this helps.

Kind regards,
Pavan

StepChange_Pavan

stephen1000 wrote: »

Hi we are on a DMP with the CCCS can you tell me can we still Reclaim pp insurance and set aginst this debt or is this a bad idea

thanks

Hi stephen1000 and thanks for your post.

Yes, if you’re entitled to reclaim you can use this money to offset the debt.

Hope this helps.

Kind regards,
Pavan