Struggling with debt? Ask a debt advisor a question

StepChange_Pavan

craftybynature wrote: »

Could somebody have a quick read of a couple of my posts on this thread,
and point me in the right direction.


Many thanks.

https://forums.moneysavingexpert.com/discussion/3846329

Hi craftybynature

You can still pursue your claim with Creation but you’ll probably need to come to an arrangement with Drydens to repay the debt.

I hope this helps – that was the only question I could find in the thread – but if you’d like any more detailed advice you can call our free helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm and Saturdays 9am – 3pm.

Kind regards,
Pavan

StepChange_Pavan

Gimpsdad wrote: »

Fair enough.

Can you provide for forum readers, a breakdown of the broad range of free charitable services you provide?

Hi,

Every client’s situation is different so we provide tailored advice and a solution to suit them. It’s difficult to list all the possible options we offer.

If anyone would like more information about the free services we provide you can take a look at our website (http://www.cccs.co.uk/) or try our Debt Remedy to see what help and support we can offer you (http://www.cccs.co.uk/ref/drcu).

Kind regards,
Pavan

StepChange_Pavan

sarahsarah1234 wrote: »

Hi, I have a complicated type of situation that I have already posted about in the forum.

I want to look at my credit file and repair it but I am having difficulty because my landlord doesn't appear to have registered my flat on the land registry. All the other flats in the building are registered. I have sent off my details to Experian by post but I am not sure what problems this issue is going to have caused. I am very afraid at looking at my credit report and will not know where to start with it. I have never been to court but I don't even know if I have CCJ's against me from previous properties, if they haven't been able to find me? I cannot even borrow from Wonga so I suspect I am completely blacklisted for any type of credit.

I can't even get past the registration page on Equifax because of this problem!

Hi sarahsarah1234 and thanks for your post.

It looks as though you’ve had some really useful advice on your other thread. It’s important that you get a copy of your credit file so that you know how much you owe and who to. Have you discussed this with your landlord? Does this mean that you’re not registered on the electoral roll or paying council tax? This is definitely something that your landlord needs to address as this must mean that you can’t vote either.

If you have problems with this you could contact the credit reference agency direct to see if there’s any way in which they can help or advise you.

Once you know how much you owe you can come back to us for some more detailed advice on how to deal with the debts.

I hope this helps.

Kind regards,
Pavan

StepChange_Pavan

ILoveAFreebie wrote: »

Morning,
Can I ask, if we take the route of a Debt Managent Plan, would we still be able to keep my partner's work credit card that he uses for work expenses? It gets paid in full every month and we make sure he claims the expenses back to cover the bill, but the amount varies each month.
Thanks

Hi ILoveAFreebie and thanks for your post.

If it’s required for work purposes this shouldn’t be a problem. He may need to budget a month in advance although I appreciate this could be difficult if the amount fluctuates.

If you give us a call we will be able to advise you on the next best steps and whether a DMP is your best option. You can ring our free Helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm and Saturdays 9am – 3pm.

Kind regards,
Pavan

StepChange_Pavan

Dewalt1981 wrote: »

For over a year now I have been going round in circles trying to get a default payment off my credit file.
It is with a company called Lowell Ltd. I have spent hours on the phone to them asking for proof of the debt and all I get is fobbed off with lies about they don't have to prove anything.
They say the debt was bought by them from 3G. I DO NOT OWE 3G or any other company any money! 3G say it's nothing they can do as the debt is now in Lowell's hands.
If I owe money for something I pay it, simple really. I am not a scrounger, I work hard for my money and these clowns didn't even contact me first! It was only when I got turned down for a mortgage I checked my credit file to see a default on there. :mad:
I have used Experian for help but got nowhere. All I got was 'Lowell say the information is correct'. What information? I have seen none whatsoever.
I went to the office of fair trading, the financial ombudsman and both replied back saying it was for the other to advise me on!
This is really taking the p**s now! What can I do?

Hello Dewalt1981 and welcome to the forum.

I’d recommend that you contact the Information Commissioner. There is more information in this leaflet (specifically on pages 22 onwards) which should help.

Kind regards,
Pavan

Ruscik12

Ok spoke to CCCS and got most plans in motion for Basic bank account and sending letters to creditors.

However where do I find postal details to send those letters to? It never came to me to ask.

Any idea where to send letters relating to debt and CCCS to NatWest and Barclaycard?

I been on Natwest website and can not find a thing.

Bring_It_On

Hi

I'm a bit worried I've done something stupid. I have sent a cheque to my old bank as a token payment for my loan with a cheque from my new account, have I made a big mistake as someone pointed out to me on another thread that they will now have my new bank details, appreciate any advice you can offer?

Thanks

Ruscik12

If that account is with separate bank then I do not think it will be an issue as they are a 3rd party like any other person that would want to access your account. Might be wrong but that is how I understand it.
CCCS suggests using standing order to pay the agreed sum and with standing order your account NO is also sent.

StepChange_Pavan

stwilson1973 wrote: »

Hi Pavan,

Many thanks for your response.

Also, just wondering the following; the debt remedy test resulted in us having a surplus of £287 to repay insecured debt. Once we sign up to this can the creditors, insist we pay more than this. We have been as honest as possible on the test so i was wondering what success rate the CCCS have in getting the creditors to agree to this sum?

Thanks

Hi stwilson1973,

The important thing to remember is that you can’t pay them money that you haven’t got. It’s great that you’ve been honest and hopefully you were realistic too.

Even if the creditors aren’t happy with the amount, we recommend that you keep sending the payments anyway. We’ve already worked out that you’re offering as much as you can afford and your budget will support this.

The only thing they cold do to try and get more money is to apply for a county court judgement. This wouldn’t necessarily mean that you have to pay any more money as the courts will just mediate between you and the creditor to ensure that the payment is fair. As we have already worked out the payments on a this basis it’s unlikely that they’d get any more money.

I hope this helps.

Kind regards,
Pavan

StepChange_Pavan

Red_Man wrote: »

Hi,

A £5000 loan from Barclays I was unable to pay, has risen to over £10,000 and has now been sold to Apex Credit Management.

I find it very difficult to deal with these people, partly because I don't really know where I stand legally.

I'm now in a position where I have a good job, and can afford to pay back the debt. Obviously though, I'd like to pay as little as possible back. As immoral as that may sound, I think it's also immoral to add around £6000, on a debt of £5000, when I was in a very sticky and stressful financial situation.

So my question is, how am I best to approach this? Is it possibly for me to deal with Barclays? If so, am I likely going to have to pay the £10,000+? or will I be able to shrink this debt? Same question with Apex too, will I be able to shrink the overall debt with them?

Thanks.

Hi Red_Man and thanks for your post.

It’s unlikely that Barclays will deal with you if the debt has been passed to Apex. It’s best to try and negotiate with them.

You can offer to settle the debt for less than the amount owed depending on how much you have available to offer them. You can put together a budget and pay whatever you can afford.

If you’d like some more detailed advice you can visit our online debt advice service Debt Remedy (http://www.cccs.co.uk/ref/drcu) to help you find a solution to your debt problem quickly.

Debt Remedy will assist you in completing a financial statement with information on your household, employment, income, expenditure and debts. From this the service will automatically determine your options.

To help you fill in the form, it’s best to gather together information about:
• Your income
• Your expenditure
• The creditors you owe money to

You’ll receive a downloadable advice booklet providing a tailored solution for you based on your current circumstances and advice on ways you may be able to improve your situation.

If you’re not confident with computers or would like to speak to an advisor then you’re welcome to ring our free Helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm and Saturdays 9am – 3pm.

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.

Kind regards,
Pavan