Struggling with debt? Ask a debt advisor a question

CCCS_Sarah

LauraLou1982 wrote: »

OK, here are the facts, I apologise for constantly asking CCJ questions!

I recieved a CCJ for a credit card, and put in a acknowledgment as I was going to defend.
I have now been advised its unlikely they would have taken it to court if the DCA didnt have the proper paperwork to enforce it.
I find it highly doubtful I will be able to find £1400 to pay it all off, so is it too late to send the paperwork back to Fredericksons as the court papers ask, to put in an offer of payment? The 28 days is up tomorrow, I thought I have longer (date of service was 25th May + the five days) as I read it wrong but turns out its tomorrow.

Any ideas? Totally stuck but need tp do something to sort this out as dont want it going past the deadline!

Hi LauraLou,

Thank you for your reply.

If you have not put forward an offer of repayment one will be set by the court, if this amount is unaffordable you can apply for a redetermination.

I have sent you a PM with a sample letter that you could use or reword. I would recommend that you have an appointment with the CCCS so we can help you put together a detailed financial statement and make a suggestion on how much to offer.

If you would like an appointment, please call 0800 138 1111.

Hope this helps
Sarah

CCCS_Sarah

ANTHONY_HOLMES wrote: »

Hello , i am on your debt repayment plan since I was made redundant , i am 63 and my wife - who is still working - is 53 . I was told yesterday that our payments would take 19 years to pay off the debts . I get £33 per week pension credit which of course all goes into debt repayment . I get my full old age pension in a couple of years , it is the basic i havnt any other pension as a lifetimes working at minimum wages hasnt left any spare for pension pot building . Likewise with my wife , she will get just the old age pension . So , would it be reasonable for two pensioners to fund the debt repayments we are paying now -£146 a month - from our basic pensions - as i am sure this would destitute us as there probably is no provision in the old age pension payments for spare money to continue paying our debts off with , we do not want to sell our home as private renting around here is so expensive that all our pensions would be taken for rent and the local council havnt built rentable houses for years - and I know practically for certain that our children - 20 -14 -11 have no intention of leaving home as they couldnt afford to rent . I know it is a future problem but we are very worried about it and really do not know what is likely to become of us . Hope you can help , Anthony and Elizabeth

Hello,

Thank you for your message.

19 years is a long time to be on a payments arrangement and taking into account your age and situation seems like once your wife retires things will only worsen. I would recommend that you have an appointment with the CCCS so we can discuss your options. If you have an asset then selling this to clear the debts is a good option but if you don’t want to sell, once your wife is 55 you could look and see if equity release is a possibility – The CCCS would be able to look into this for you. I have attached a link to the CCCS website for you to look at http://www.cccs.co.uk/InfoCentre/EnglandandWales/Debtsolutions/Equityrelease.aspx

Hope this helps
Sarah

grumbleweed2

Im not quite sure I am in the right place, so feel free to redirect me to the right place.
Im asking on behalf of my daughter and family (partner and baby) who have got themselves into a right mess.
Evicted from their home (non payment of rent) they now live with us. They have now had letters from a debt collection company saying bailiffs will call if they do not settle unpaid council tax amounting to £5000 (I believe this goes back 5 years which we did not know). They don't own anything, everything in the house is ours, they have no work, only benefits, are unable to get housing benefit (which is why they live with us) and no money in the bank. They do not have any credit or store cards.

They have been to CAB who they felt were unhelpful but gave them information on bankruptcy and DROs as well as some other things Ive never heard of. We are finding the information confusing regarding a liability order.. I don't know what that means. Does it mean that even if they have a DRO or bankruptcy that the council tax bill would not be included? If this is the case how can they pay this huge bill with little income (they receive ESA and child tax credit/allowance) and no assets (they have only the baby's things and their clothes). They are extremelety worried that they will go to prison and their son will be taken into care. They both have long standing depression.

They want to sort it all out and make a fresh start but just dont know where to start and I feel pretty helpless at the minute. I am unable to pay off the debt for them.

thanks

ring_4

Hi, I am nearly at the end of a DMP (should be finished paying back by aug 10), how long will this stay on my credit file?
thanks for your time

CCCS_Sarah

grumbleweed2 wrote: »

Im not quite sure I am in the right place, so feel free to redirect me to the right place.
Im asking on behalf of my daughter and family (partner and baby) who have got themselves into a right mess.
Evicted from their home (non payment of rent) they now live with us. They have now had letters from a debt collection company saying bailiffs will call if they do not settle unpaid council tax amounting to £5000 (I believe this goes back 5 years which we did not know). They don't own anything, everything in the house is ours, they have no work, only benefits, are unable to get housing benefit (which is why they live with us) and no money in the bank. They do not have any credit or store cards.

They have been to CAB who they felt were unhelpful but gave them information on bankruptcy and DROs as well as some other things Ive never heard of. We are finding the information confusing regarding a liability order.. I don't know what that means. Does it mean that even if they have a DRO or bankruptcy that the council tax bill would not be included? If this is the case how can they pay this huge bill with little income (they receive ESA and child tax credit/allowance) and no assets (they have only the baby's things and their clothes). They are extremelety worried that they will go to prison and their son will be taken into care. They both have long standing depression.

They want to sort it all out and make a fresh start but just dont know where to start and I feel pretty helpless at the minute. I am unable to pay off the debt for them.

thanks

Hello,

Thank you for your message.

As long as the Council Tax arrears are for previous years these would be included in Bankruptcy and DROs.

If your daughter and her partner would like an appointment with the CCCS, they can call our helpline free on 0800 138 1111. We would be able to help them complete a detailed budget and look into her options.

Sarah

CCCS_Sarah

ring wrote: »

Hi, I am nearly at the end of a DMP (should be finished paying back by aug 10), how long will this stay on my credit file?
thanks for your time

Information stays on your credit file for six years from the date of issue. I have attached a link to a booklet so you can read up about credit file.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

Sarah

chinawhite_2

CCCS_Sue wrote: »

Hi chinawhite and thank you for your message

Even though they are refusing your offer, you need to continue sending your token payments. You cannot give them money you do not have. Do not be pressured into paying more than you can afford.
If you have sent them a copy of your budget and a list showing any other creditors, then you have done everything you need to.
Token payments are not a long term solution to your debt situation and you need to look at ways to maximise your income or cut back on any non essentials in your budget, if you have not already done so.
If you can see no changes in your circumstances in the future, then you may need to look at other options.
I would recommend that you continue what you are doing at the moment, and if there are any changes to your circumstances, then contact us again so that we can review your options.

Regards
Sue

Hi Thanks for the reply. They have sent me a letter demanding full repayment of the loan and the overdraft or they will take court action, do I send them another letter, the court action threat is worrying me .

moaninminnie_2

Hi there,

I spoke to a Halifax advisor today and they've told me I should contact PayPlan as this is the best company for my situation, which is.....I have 3 credit cards totalling a debt of £8000 and am beginning to struggle to make the payments.

Is this correct, I don't see PayPlan as one of the options listed on this website therefore a bit unsure??

Thanks

Tesco_Tom

Hi

We have been on a DMP for about 4 years now and are within 12 months of finishing. We have just recieved a letter from the CCCS advising us to change banks from A&L to someone else as we have a debt owing to Cahoot and they may reclaim it from our account. Is this really neccessary? Have they done this to other people?

Thanks

3431Anna

moaninminnie wrote: »

Hi there,

I spoke to a Halifax advisor today and they've told me I should contact PayPlan as this is the best company for my situation, which is.....I have 3 credit cards totalling a debt of £8000 and am beginning to struggle to make the payments.

Is this correct, I don't see PayPlan as one of the options listed on this website therefore a bit unsure??

Thanks

Hi,

I have a DMP with payplan I've only had it for a couple of months but up till now everything seems to be running fine and all of my creditors have accepted my payment offers except for next they have rejected but stil accept my payment, but as the amount outstanding is small I am going to try to pay this off in the next month, Pay Plan have been realy helpfull for me