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janes500

Hi, In a bit of a situation here.

I finished University last year, started working pretty much 7 days per week in a hotel to afford to live away from my parents home (i'd had the job whilst i was a student but was only working a couple of days per week). the job was difficult, very early mornings,5am shifts, cooking, waiting, cleaning with just 2 people on per shift, serving sometimes 280 people per morning!!
I had no social life because working the early mornings, bed time was really early and couldnt go out with friends in the evening, and after a shift, i was too exhausted to do anything other than sleep.
wages could only just cover my rent with about £20 per week to cover food, bills, travel. so i've ended up owing money all over the place.
i found out about housing benefits and council tax benefits, and quickly signed up for them, which is a real hand. but i am just struggling to find a way to pay off my arrears before the benefits. i currently owe £400 rent, that is for 1 and a half months, phone bill, which has been growing and growing over months because i haven't been able to pay it, which is £280, £40 gas and electricity £25 internet, and to top that off, council tax are asking for a years worth of council tax at £580, which will soon go to county court judgement.
I've asked for help from parents, but they don't live off much money either. so i've no clue what to do now.

there is a job opportunity to go and work at a place where my parents live, and live rent free, i'd love to do that and be able to start fresh without debts worrying me.

Thanks

Janes

StepChange_Pavan

Plcsbe wrote: »

If on a DMP and come into some cash from a relative to help clear debt. Do the CCCS provide a service where they help achieve F&F settlements or would they cease DMP whilst i try to achieve settlements.

Have heard also that you transfer money to CCCS first. Is this true and are you obliged to go through with settlements if not all creditors accept.

Hi Plcsbe and thanks for your question.

We can help you with full and final settlements but you’re not obliged to use our services. Also, you don’t have to make the payments if not all creditors accept.

If you’d like to discuss it in more detail, just give us a call.

Kind regards,
Pavan

StepChange_Pavan

scared-sick wrote: »

Was hoping you could explain something for me please.

I have a credit card debt for £11000. I filled in the cccs form online and when it came to this debt, the form automatically filled in that I pay £330pm. I actually only paid £130 pm.

Now my dmp has been set up and cccs are offering them £116pm. The minimum contractual payment on this was £120pm

I dont understand why the form filled this bit out itself and now that is what the offer seems to be based on. It also means that this creditor is getting paid the most when it is not the largest debt. It also means that in a couple of payments, I will effectively be paying more than the minimum repayments so they are unlikely to reduce the interest.

Any ideas why this has happened?

Thank you.

Hi scared-sick and thanks for your post.

I’d recommend that you call our support team so that we can change this figure for you. Alternatively you could send us a private message with your reference number and I can arrange for someone to contact you.

Kind regards,
Pavan

StepChange_Pavan

lorton wrote: »

hi...I am looking for a bit of advice regarding capitalization of my mortgage arrears and hope someone can help!! Does anyone know, if I capitalize my arrears will it be reported on my credit file????

thanks everyone!

Hi Lorton and thanks for your question.

It will be reported on your credit file and so too will the arrears that you have on your mortgage.

You can read more about how credit files work in this article: http://www.moneysavingexpert.com/loans/credit-rating-credit-score.

Hope this help.

Kind regards,
Pavan

iang1878

hi,

equidebt have contacted me this weekend for the first time since 2009 when i sent them a statute barred letter, i havent heard from them since. they are trying to say i made a payment in 2005 and my letter was null and void.
they also said a ccj was filed against me in 2001 for it.
i was only 22 at that time so had no idea what that meant,but i know i have not made any payments on that debt since 2003 hence why i sent the statute barred letter back in 2009.

can someone please advise me on what this ccj means? its not on my credit report.
also if they are saying i paid in 2005 can i not just reissue the letter now?
i know i havent paid them and i know full well there has been no acceptance of owing the debt by myself. why have the decided 3 years later to try and force me to pay again. i'm pretty sure they did this back in 2009 which is why i sent the letter then. i havent moved address since 2005 so they cant claim they couldnt get hold of me.

help please im confused.

StepChange_Pavan

janes500 wrote: »

Hi, In a bit of a situation here.

I finished University last year, started working pretty much 7 days per week in a hotel to afford to live away from my parents home (i'd had the job whilst i was a student but was only working a couple of days per week). the job was difficult, very early mornings,5am shifts, cooking, waiting, cleaning with just 2 people on per shift, serving sometimes 280 people per morning!!
I had no social life because working the early mornings, bed time was really early and couldnt go out with friends in the evening, and after a shift, i was too exhausted to do anything other than sleep.
wages could only just cover my rent with about £20 per week to cover food, bills, travel. so i've ended up owing money all over the place.
i found out about housing benefits and council tax benefits, and quickly signed up for them, which is a real hand. but i am just struggling to find a way to pay off my arrears before the benefits. i currently owe £400 rent, that is for 1 and a half months, phone bill, which has been growing and growing over months because i haven't been able to pay it, which is £280, £40 gas and electricity £25 internet, and to top that off, council tax are asking for a years worth of council tax at £580, which will soon go to county court judgement.
I've asked for help from parents, but they don't live off much money either. so i've no clue what to do now.

there is a job opportunity to go and work at a place where my parents live, and live rent free, i'd love to do that and be able to start fresh without debts worrying me.

Thanks

Janes

Hi Janes and welcome to the forum.

When you had your benefits check did you find out if they would back date the claim? If you were entitled to these benefits before they may back date them.

We’d need to look at your budget in a bit more detail to be able to advise you but the highest priority is the council tax and utilities to prevent you from being cut off. It’s important that you communicate with them and offer whatever you can afford to pay.

If you were to move back home you could probably afford to repay these debts a lot quicker. I’d recommend that you get in touch with us so that we can look at your situation in a bit more detail and advise you on your options.

You can visit our online debt advice service Debt Remedy (http://www.cccs.co.uk/ref/drcu) or call our free helpline on 0800 138 1111 – we’re open Monday to Friday, 8am – 8pm and Saturdays 9am – 2pm.

Kind regards,
Pavan

vicxzy

Hi,


I have been doing a DMP after advice from CCCS for the past 12 months whilst on maternity leave.
I have recently sold my house (STC) and may have a bit of money coming to me from the sale, its will only be a max of 30-40% of what I owe in total though.(a lot of the debt is charges that they added on despite agreeing to DMP)
As I've been on a DMP I have multiple defaults so know that getting a mortgage is not an option (even though I have never missed a mortgage repayment in the 12 years I've owned my own home) at the minute but would like to work towards getting one in the future.
My question is what would be the quickest route to becoming a home owner again?

A. Use the money to make lower settlement offers to my creditors then wait 6 years for the defaults to disappear & save up a 10% deposit for a house.
B. Go for an IVA & put the money from this house sale towards a larger deposit in 6 years time?

Or is there another option?
I don't know which one will leave me more likely to be accepted for a mortgage in the future?

Thank you.

rozjames1985

Hello

I earn £26,250.00 a year, £1628 a month after tax/NI.

I currently have a loan out with Natwest, which ends in July 2016 and am paying £344 a month and I have approx £14,500.00 left. I also have a credit card with £8,200 on it, and am paying the minimum balance of approx £190 a month off. I also have another credit card with a balance of £1200 which I pay £30 a month off. In total I pay approx. £566 off a month.

The credit card with £8,200 on it is 0% interest but that ends in May.

Should I consolidate it all onto one loan, which would be about £24,000 or should I try and move the credit card to another 0%? I currently rent and am not a homeowner and as yet do not have any kids, but hope to in the near future.

Nat0273

Hi I contacted national debtline recently and did a financial statement which sent to all my creditors with offers of repayment and asking them to freeze interest as I really can not afford the minimum repayments,I have cut back everything I can and short of not eating this was the only solution,my worry is about my mortgage I switched to an interest only deal awhile ago while on maternity leave this will end in sept 2013,I guess I will be unlikely to get a new mortgage deal then due to defaulting agreements?
Mbna accepted my payment I offered and reduced interest to 0percent but I recently found out that this is not a formal reduced payment programme as offer is not enough to pay the account in full and they will default it after 7months of arrears-Iam going to ring them as they said they may be able to put me on a formal reduced payment programme which will prevent the account from defaulting but what is the criteria for this to be accepted?

Barclaycard have put my account on a reduced repayment plan and reduced apr to 6.9percent this is for 12months ,am I classed as defaulting for this ?

Tesco-I can not even understand there letter! It says before your offer of payment is considered a default notice will be issued,our debt recovery office will contact you with regards to your repayment proposals ,if your account is currently up to date I am unable to issue the default notice ?? What does this mean?

Not heard from the other creditors any advice greatly appreciated

JoInNeedOfHelp

Hi

I have just contacted cccs and filled out the online form. I feel sick that it has come to this and have a few issues, most of them I have found the answers here already so thanks for that.

The only other 1 I have for now is what happens if you are made redundant and your in a DMP, my husband and I both work for the same company so this is a worry, do they expect you to pay your redundancy payment to the DMP?