Struggling with debt? Ask a debt advisor a question

Time_to_face_the_music

CCCS_Pavan wrote: »

Hi there and thanks for your post.

If you send us your client reference number in an email to [EMAIL="contactus@cccs.co.uk"]contactus@cccs.co.uk[/EMAIL] we can arrange for someone to contact you.

I hope this helps.

Kind regards,
Pavan

I was bad and used the work phone but have saved this for future reference.

Thanks very much Pavan :T

Katie1968_2

Hi, please can you offer me some help and guidance.

I was unemployed for 5 months last year and encountered financial difficulty from this and since going back into employment.
As my housing benefit/council tax was not assessed properly until after 3 months I am now in arrears after being told I would get full entitlement for both.
I have an overdraft of £1,300 and a credit card of £1,600. I am a single mum of an 11 year old child and the CSA have been unsuccessful in trying to get my ex-husband to pay any maintenance.
Because of the council tax and housing benefit arrears Im now struggling to pay for everything out of my part-time wage and live week to week. We do not have an excessive lifestyle and I rarely go out.
I work part time and I am looking for another job to be able to support myself and my daughter. I am unable to get a loan to consolidate these debts due to not earning enough and a poor credit rating. I live in rented accommodation and I have moved house twice in the last five years, also I have only been in my job since December. My bank are unable to offer any help either.

As I am up to my limit on both my overdraft and credit card I'm having sleepless nights worrying about this debt. I am constantly juggling bills and find it increasingly hard to pay my bills, buy food and gas and electric for the card meters. This week I have no money left to get to work. I know if I was able to get another job this would ease the problem, but in the short term I need some help.

clarenic

Hi all

I'm in a total mess moneywise. I've managed to arrange payment plans with all but one who took me to court. Judgment was made against me on 16 Jan for £620. They'd agreed an instalment plan of £25 a month. I read in the leaflet that I could have the CCJ removed if I paid within 28 days of judgment. I just phoned the solicitors to try and pay it off. They insisted on putting me through to Capquest who have said I have to pay £750 to clear it! The total on the judgment is £500 plus £120 costs but they are saying it won't be cleared unless I pay £753. I don't have that much.

Can they do this? Why have that figure on the judgment if it's not correct? I'm confused and gutted because I thought I was going to be able to pay it off today and it's suddenly jumped up :-(

I would be really grateful for any advice you could give me.

Thanks

Leeds_Lass

Hi there,

Any advise would be more than greatly received.

My situation at present is as follows.

1 month arrears on Mortgage from October - All other payments have been made - Have sent a letter to mortgage company asking for a short term payment holiday. Are they likely to accept. Where do I stand in relation to 1 months arrears?

Debts - Virgin CC 3743.75
M&S CC 2058.92
Vanquis CC 1480
Next 592.51

Total 7875.18

Currently pay £611 per month.

I have around £400 per month free once all my expenses for the month have been paid. However, I feel a little overwhelmed by the mortgage arrears, and also council made a mess of council tax so I am having to pay extra per month - £ 200.

Thanks for any help


Any help how I can deal with this situation would be fantastic.

System

Katie1968 wrote: »

Hi, please can you offer me some help and guidance.

I was unemployed for 5 months last year and encountered financial difficulty from this and since going back into employment.
As my housing benefit/council tax was not assessed properly until after 3 months I am now in arrears after being told I would get full entitlement for both.
I have an overdraft of £1,300 and a credit card of £1,600. I am a single mum of an 11 year old child and the CSA have been unsuccessful in trying to get my ex-husband to pay any maintenance.
Because of the council tax and housing benefit arrears Im now struggling to pay for everything out of my part-time wage and live week to week. We do not have an excessive lifestyle and I rarely go out.
I work part time and I am looking for another job to be able to support myself and my daughter. I am unable to get a loan to consolidate these debts due to not earning enough and a poor credit rating. I live in rented accommodation and I have moved house twice in the last five years, also I have only been in my job since December. My bank are unable to offer any help either.

As I am up to my limit on both my overdraft and credit card I'm having sleepless nights worrying about this debt. I am constantly juggling bills and find it increasingly hard to pay my bills, buy food and gas and electric for the card meters. This week I have no money left to get to work. I know if I was able to get another job this would ease the problem, but in the short term I need some help.

Hi and welcome to the forum.

The first step is to put together a budget that makes sure you cover all of your priority bills (including your rent arrears).

We can help you with this and see if we can offer any solutions for you.

I’d also recommend opening a new basic bank account (without an overdraft) with a new bank unconnected to any of your other lending. I would recommend using this account for your day to day banking.

For more detailed advice tailored to your situation call 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.

We will be able to offer some short and long term advice about what the best solution to your situation is.

I hope this helps.

Kind regards,

Mat

sickasachip13

Hi Pavan and Matt,

I read the article in The Guardian online today about the day in the life of CCCS:

http://www.guardian.co.uk/money/blog/2012/feb/07/cccs-callers-60m-debt-mountain

And I just wanted to say how much I appreciate your help and thank goodness that CCCS is there!!

SAAC

gastrobiker

No, there is no chance, even hahaped denies that

edlondon

Hi

I need some advice about 'linked addresses'.

I am in the process of cleaning up my credit report (have been using Experian).

On my report I have 42 entries for linked addresses. These relate to past applciations I've made.

I am worried because although credit applications / searches drop off the report after 12 months, linked addresses do not. Will this therefore have an effect on my credit rating?

I made the mistake of doing a flurry of applications last year (before getting advice not to on here!), so I'm waiting for these to drop off my search history but concerned that all the linked addresses will give me away.

The linked address entries all relate to the three addresses I have lived at and all have been registered on the electoral roll, but also one address I lived in for only 4 months so does not appear on my file anywhere else. Will this have any damaging effect?

I can confirm that I have never had any credit problems (defaults, late payments etc) against any address I have ever lived at.

Thanks for your advice.....

jonny6969

I started a DMP with CCCS in December 2011, (first payment on 1st January)
I have sent numerous letters to all creditors about being on DMP with cccs. Virgin and sainsburys accepted the cccs offer for credit cards. For loans i am with sainsburys and TBS, who haven’t accepted.
Last week I got a letter from TSB collections department requesting money (arrears). I sent them another letter about DMP and to contact CCCS if they need to.
I have just got a default letter in the post this morning from TSB saying i am in arrears of 275.69 and i must pay it by 27th Feb, otherwise they will take action by recovering the whole balance from any account i have with them (which I don’t), or by a debt collector or take legal action.
It also says if i am in difficulty, then i should seek advice from a solicitor or court.
Should I just ignore it? Is it standard?

sickasachip13

Hi Jonny, I'm not one of the advisors but thought I'd chip in with my thoughts - I've been on a DMP for 16 months now - you do tend to get some letters like this at the beginning, maybe because the information about the DMP etc hasn't really filtered through to the various departments just yet. So, personally I wouldn't be too panicked by it BUT, I would give the CCCS aftercare team a quick ring and ask their advice (you can email them too). SAAC