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mum2one

win123 wrote: »

Dear CCCS

Can I please ask advice - I am on a DMP with yourselves and my original payments were £92 per month and were dropped down to £60 at my review as my mortgage payments had gone up - which was great for me as I was worried re my mortgage - My mum has recently rung Payplan re a DMP as she thought I was with them she has approximatey 7k worth of debt and when I wrote her expenses down on paper following an expenditure sheet she has around £50 spare a month after bills etc have gone out - But Payplan took her details and say that the minimum you can pay into a DMP is £100 over 5yrs is this correct? She has agreed to this payment as she is panic stricken as she cant afford the credit card bill of £200 per month - SHe is 66 years of age and is all for paying her debt as she spent on the cards but she asked payplan if they could offer her a lower payment a month over a longer period and they said No because the minimum payment for a DMP a month is £100 - Is the CCCS different to Payplan as I know several people who are on a DMP who pay less than this a month and they are older than my mum and owe more - This is worrying her very much and she is scared as she is worried that we are going to loose our home (mortgage we are paying) and she is disabled - Any advice would be great thanks CCCS you have been great with me and I have had my plan with you for nearly 2yrs now and I have never looked back -

One of the brilliant advisors from CCCS will be around on Monday and would be able to shred more light on the matter, but have got mum to do the online debt remedy with CCCS and see what they say.
x

win123

Thanks Mumtoone for your reply - We have done the CCCS online thing and it does suggest a DMP just dont know why Payplan want so much as she only has about £50 surplus at the end when she has paid bills etc but payplan say 100 is the minimum anyone can pay into on a DMP but I dont x

marzom

mum2one wrote: »

Your in a position I was earlier in the week, - letter from a debt collection agency, - I recieved brillaint advice from CCCS.
When you get a letter from the debt collection agency ring them explain your with CCCS and give them your client reference number,

Then contact CCCS - give them the details of the company and any new reference number you have then CCCS can deal with the firm on your behalf.

Basically the debt collectors, are going to try to get as much money as possible, - it won't surprise me in their the inhouse collectors for natwest.

I know saying don't worry, is easier said than done, no-one in my household knows I have debts, never mind a DMP and how many times hit rock bottom, but your get briliant support from CCCS.

xx

Thanks for this. I will contact CCCS. What about the rumours that Allied International Credit post a yellow slip/postcard through your door asking you to ring - a dead giveaway. Is that true?

mum2one

win123 wrote: »

Thanks Mumtoone for your reply - We have done the CCCS online thing and it does suggest a DMP just dont know why Payplan want so much as she only has about £50 surplus at the end when she has paid bills etc but payplan say 100 is the minimum anyone can pay into on a DMP but I dont x

my guess is maybe payplan wanted her to do an IVA - just with you saying 5 years as thats the length of an IVA. From my workings out an IVA is based on a % of your debt as a minimum payment.

I glad you got a better answer from CCCS, hope it works out for her xx

mum2one

marzom wrote: »

Thanks for this. I will contact CCCS. What about the rumours that Allied International Credit post a yellow slip/postcard through your door asking you to ring - a dead giveaway. Is that true?

Try not to worry, I know its harder said than done,

Def ring CCCS, as I've just had conformation email come through (came on fri, but ended up in spam), saying they had been in touch with the debt agency and sent them my budget and proposal of money. They get the payment 25th - 1st payment out to anyone.

I think with a debt collection agency they want the money and will try anything to get any money, I dont know about the yellow slip/postcard, if it did happen I would guess it would be for people who have ignored any contact or made payment, but CCCS would be able to know more x

StepChange_James

marzom wrote: »

Hi,

I am looking for some advice. I am at my wits end with Natwest.

I have been on a DMP with CCCS since June 2012. And every other creditor has been fine.

The NatWest have chosen to ignore everything that I have sent them.

They first sent me letters telling me I had gone over my overdraft limits and would occur daily charges, then they sent me a letter asking for a suitable payment plan and now finally today they have sent me a letter saying they have passed the debt to Allied International Credit as I could provide no details of a suitable payment plan. Each time up to todays letter I have replied back stating my situation and telling them to contact CCCS. No acknowledgement whatsoever, even when I asked what their complaint policy was!

Now I am really scared. I have heard horror stories about Allied- they turn up at you door, they post through yellow cards with your debt on them. I do not want anyone in my household to know that I am on this plan.

What can I do? Any advice?

Thanks

Hi Marzom

Mum2one was spot on with her earlier post to you. When creditors say they have not received “details of a suitable payment plan” they usually mean they want more than the amount they've been offered. It can be frustrating though because it makes it sound like you've not been trying to deal with the debt when clearly you have.

When you get confirmation from Allied International Credit that they're dealing with your debt you just need to give us a call with the details, so we can get in touch with them for you. We often find that debt collection agencies can be more willing to accept payments on a DMP, so being passed to one can sometimes work out for the best.

Hope this helps.

James

StepChange_James

becciboop wrote: »

Hi all
I am not sure I am in the right place to post this, but I'm starting to stress out. I received a verification letter from Buchanan Clark & Wells which stated how much the 'debt' is I have with British Gas. I have lived at my current address for just over 6 years.
I sent a letter back to them which was a template letter, basically saying prove its my debt. I now have received a reply today saying they have proof and they have attached a copy of the bill from British Gas. The bill states my name with the wrong flat number on it. It also states a 'final meter reading date' with a date well after we moved out of there (24/06/2007), we moved into our current address on 29/09/2006. Does anyone have any template letters they can send/show me to deal with this?

Hi,
I can’t think of a template letter that would be well suited to this situation, it may be easier to put a short letter together to dispute the debt. All you would need to do would be say the things you have said in your post in the letter and see how they come back.

This may be enough for the debt collector to give up chasing the debt. If they continue then you could give them proof you didn’t live at the property but hopefully a brief letter will stop them.

If you are still being bothered by them you might want to try posting on the CAB board.

Hope this helps.

James

win123

Re DMP Payments

Dear CCCS#

Can I please ask advice - I am on a DMP with yourselves and my original payments were £92 per month and were dropped down to £60 at my review as my mortgage payments had gone up - which was great for me as I was worried re my mortgage - My mum has recently rung Payplan re a DMP as she thought I was with them she has approximatey 7k worth of debt and when I wrote her expenses down on paper following an expenditure sheet she has around £50 spare a month after bills etc have gone out - But Payplan took her details and say that the minimum you can pay into a DMP is £100 over 5yrs is this correct? She has agreed to this payment as she is panic stricken as she cant afford the credit card bill of £200 per month - SHe is 66 years of age and is all for paying her debt as she spent on the cards but she asked payplan if they could offer her a lower payment a month over a longer period and they said No because the minimum payment for a DMP a month is £100 - Is the CCCS different to Payplan as I know several people who are on a DMP who pay less than this a month and they are older than my mum and owe more - This is worrying her very much and she is scared as she is worried that we are going to loose our home (mortgage we are paying) and she is disabled - Any advice would be great thanks CCCS you have been great with me and I have had my plan with you for nearly 2yrs now and I have never looked back -

StepChange_James

stickman wrote: »

Hi
On DMP with CCCS who are brilliant by the way.
However creditors willing for full and final which sounds great.
Problem is I can't get loan to cover it.
Currently paying 500 plus on DMP with end date of approx 6yrs time. 12k loan =350/380 over 3yrs.
So saving 200 per month and debt free in half the time.
Help and advice please.
Thanks

Hi Stickman

Full and final settlements can be a great way to clear debts and get a fresh start. Sadly they are only possible when you've a lump sum available.

It can be frustrating if you can’t get the money together to offer full and final payments but it's something that you could come back to in the future if you ever did come into a lump sum.

Kind regards

James

StepChange_James

marzom wrote: »

Thanks for this. I will contact CCCS. What about the rumours that Allied International Credit post a yellow slip/postcard through your door asking you to ring - a dead giveaway. Is that true?

Hi,

I've not personally spoken to anyone who's had a postcard from Allied International Credit but I've googled it and it seems that some people have posted online about this happening but they all seemed to be posted several years ago.

If you are worried I would suggest contacting Allied International Credit, explain how important privacy is for you, request they send correspondence in plain sealed envelopes and tell them you are on a CCCS DMP.

I don't know if they still use postcards but if you're in contact with them already and have requested they don't use this method then I would expect them to respect this.

Thanks for posting.

James