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Gimpsdad

I am not sure that your post will meet with a very enthusiastic response here.......

confuzzled2012

hi ya
my house is getting repossessed, i've moved out now just waiting for it to happen, but they say they can get a money judgement at the same time as repo, is this correct?
thanks

berna123

I have been in a DMP with CCCS for the past two and a half years. Due to various family circuminstances I have not been coping very well with this and have run up an overdraft of £2000.00. My DMP is uo for review this month. My question is when i tell CCCS about my overdraft what will their response be.

Gimpsdad

I hope they view it sympathetically for you. Do take time when you speak to them to ensure that the DMP is still the best long term course of action to take in your efforts to get completely debt free.

kerrykat1974

hi i have recently split with my partner of 3 years and he got me in debt with an overdraft that i had had for years and never used the account until Christmas 2010 when he noticed on my statements that i had £1800 overdraft on it so he begged and begged me to get a card for the account as i didnt have one, i did and by the end off december 2010 i was -£1800 in the overdraft now we have parted and i have had to move out as where i lived was his house witch i payed for every month since moving in with him in July 2009 £600 per month and all house hold bills and they were all in his name mortgage ext. since we parted i have had to borrow money from my mum and dad witch now mounts to £2000 to rent a house and 2 months rent, i get housing benefit but the first one comes in a cheque to the land person so not been able to pay them back, i also have a debt off £1980 with overpayment off tax credits from living with him, the overpayment was put into my back account by the tax credits back in 2010 and we bought him a kitchen with it but now i am having to pay it back, i am on Job seekers as before when i was with him i helped him work so didnt need a job, i get £130 js every 2 weeks and £220 child tax credits every 2 weeks as i have 2 children, and i am paying out off the tax credits ever week £10 for the overpayment and £8.80 for water bill from my Job seekers so as you see i cannot pay anything back as i still have other bills to pay out on top and have 2 children that live with me full time and 1 that comes every friday to monday so its hard to save, i am at the min starting with the job-center a enterprise course on starting my own business.
i also owe on a visa £180 and lowel £170 i pay £5 every month for these, i pay car insurance £50 per month, gas electric £45 per month, £35 bt, £20 sky, £24 to my mum, and £40 towards my rent per calender month that's £314 per month i receive £888 per month but the tax credits i get weekly and js every 2 weeks and child benefit every 4 weeks so when i get the child bebefit i am in my overdraft from my bill account and it just clears this so week after week i am in the overdraft, i need to know if there is any help you can give me as i am just so lost with whats going out and whats coming in please please help me, and can i get any off this write off with out it spoiling my credit

suesie999

kerrykat1974 wrote: »

hi i have recently split with my partner of 3 years and he got me in debt with an overdraft that i had had for years and never used the account until Christmas 2010 when he noticed on my statements that i had £1800 overdraft on it so he begged and begged me to get a card for the account as i didnt have one, i did and by the end off december 2010 i was -£1800 in the overdraft now we have parted and i have had to move out as where i lived was his house witch i payed for every month since moving in with him in July 2009 £600 per month and all house hold bills and they were all in his name mortgage ext. since we parted i have had to borrow money from my mum and dad witch now mounts to £2000 to rent a house and 2 months rent, i get housing benefit but the first one comes in a cheque to the land person so not been able to pay them back, i also have a debt off £1980 with overpayment off tax credits from living with him, the overpayment was put into my back account by the tax credits back in 2010 and we bought him a kitchen with it but now i am having to pay it back, i am on Job seekers as before when i was with him i helped him work so didnt need a job, i get £130 js every 2 weeks and £220 child tax credits every 2 weeks as i have 2 children, and i am paying out off the tax credits ever week £10 for the overpayment and £8.80 for water bill from my Job seekers so as you see i cannot pay anything back as i still have other bills to pay out on top and have 2 children that live with me full time and 1 that comes every friday to monday so its hard to save, i am at the min starting with the job-center a enterprise course on starting my own business.
i also owe on a visa £180 and lowel £170 i pay £5 every month for these, i pay car insurance £50 per month, gas electric £45 per month, £35 bt, £20 sky, £24 to my mum, and £40 towards my rent per calender month that's £314 per month i receive £888 per month but the tax credits i get weekly and js every 2 weeks and child benefit every 4 weeks so when i get the child bebefit i am in my overdraft from my bill account and it just clears this so week after week i am in the overdraft, i need to know if there is any help you can give me as i am just so lost with whats going out and whats coming in please please help me, and can i get any off this write off with out it spoiling my credit

i am no expert but I woudl get advice and may be consider declariing bankruptcy? the other thing is that about 4 years ago RBS gave my son a loan without verifying references and long story but with charges for non payment and a mis sold PPI a £2500 loan turned into £5500 in only 3 months!! I fought this on his behalf and basically what I learned is that if you have a debt of the amount you have to the bank they will definfitley consider writing it off for a fraction of the amount. IF I had known then I woudl have offerred less. Why dont you approach them , explain your position and say you cant afford to repay it but will make an offer in full and final settlement. I would suggest £200, as I offered £1200 and they snapped my hand off. Often it costs them more to chase it than its worth I know even if Id offered £500 they woudl have taken it. Then its one less thing for you to worry about. Maybe your mum can lend you the money to pay them off and them she can add it to what you owe

hope things improve for you

kerrykat1974

i have been looking online and read through a lot of stuff regarding overdrafts and as i get my housing benefit into that account every 4 weeks i don't receive any letters regarding the ov, so basically i need to put it at the bottom off my list, i need to try and pay my mum back as they also need the money back and i am past borrowing off them as i still have to pay it back thank you for your help, its sorting my bills ect what i need to do most off all

activist3

Hi,
I am currently paying by Direct Debit to CCCS but need to change it to Standing Order but cant find the bank details. Does anyone know them?

James90_2

I have 3 credit cards, 2 are over their limits and the other is full.
The two which are over are - £5070 (5000 limit), £2150 (2100 limit). The other is £750. i also have a £1500 overdraft which is used up. I recently lost my job as a professional rugby player and i am struggling to pay my cards. I have potential work next month but the money is less than what i have earnt previously.
What can you suggest to help me manage my debt, a loan? shift to another card? contact credit card companies for help? or is there any government help? I dont want top affect my credit rating too much . What would be the most cost effective way of managing my debt?
Thanks, James

StepChange_Pavan

confuzzled2012 wrote: »

hi ya
my house is getting repossessed, i've moved out now just waiting for it to happen, but they say they can get a money judgement at the same time as repo, is this correct?
thanks

Hi confuzzled2012 and thanks for your post.

You’re right that they can apply for a money judgment.

There is a lot more information on the Shelter website which outlines the process: http://england.shelter.org.uk/get_advice/repossession/going_to_court/what_the_court_can_do#6 but if you’d like some more specific information, please give us a call.

Kind regards,
Pavan