Struggling with debt? Ask a debt advisor a question

[Deleted User]

Thanks CIS, I've just been talking to my pal on the phone and he asked me to thank you too.

I think we should get the tenancy agreement and send them to the LA with his daughter's letter and some utility bills addressed to her.

There should be enough evidence that he was not living there. It's only a small ex-council 2 bed flat.
We are going to a lot of effort to be sure that he pays what is fair but not more than he owes. I 'interpret' for a few people who have problems with communication and the LA wanted his permission to talk to me, which I will do if necessary, but I'm in favour for people being their own advocates as much as possible - if that makes sense!

I'm off now to meet my daughter from her weekend job. You have great remainder of your Sunday! And I'll let you know what happens

Kind regards cgw

wendy99

Hi, I am considering a Debt Relief Order and was wondering if you could help with a few questions I have. I know I will need to call to discuss fully but I live abroad and not easy with the time difference so I want to be prepared before I call.

Here goes:

1. Can I apply from outside the UK? I have been living in Canada since Jan this year.
2. Can it all be done by email / phone?
3. What paperwork will I need to provide for the DRO?
4. I can get family to pay the £90 fee so can the paperwork for this be sent to someone else?


5. I do temp work through an agency - how do I work out income for budget planner - do I do an average over last 6 months or do I do based on income from current job?
6. Reason for looking at DRO is relationship breakdown. Our only joint debt is a bank account with overdraft. My ex-partner wants to keep this account and pay the overdraft as it is his only bank account. Can I leave it off the DRO?

Thanks so much for any help you can give.

CCCS_Sarah

shaken_not_stirred wrote: »

Hello,

I wanted to get other people's opinions and advice on a situation my wife is faced with. She ran up a Credit card bill with Virgin Credit Card and went over her £9000 limit. I discovered this in Feb 09 and made her call Virgin to sort this out. The problem is because she is over her credit limit they are charging ridiculous amounts of interest. She has since called them 6 times in an effort to come to some sort of arrangement to reduce the problem for her however they do not help her or offer a solution. She pays between £300-400pcm to Virgin and despite this her balance has risen from £10400 in Feb 09 to £11200 last month. Surely they have some moral obligation to help her - especially as she called several times to ask for help as she couldnt afford to pay more. She has paid over £6500 since Feb 09 and yet her balance has increased £800. What can she do?
kind regards
s.n.s

Hello,

Thank you for your message.

I would recommend that your wife has an appointment with the CCCS so we can help her put together a detailed financial statement and look into her options. Creditors unfortunately are under no obligation to stop the interest and charges.

Once we have helped your wife complete a detailed financial statement we will be able to see how much she realistically has left over to service her debts and then we can see what her best options are from there.

If she would like an appointment, she would need to call our helpline free on 0800 138 1111.

Regards
Sarah

CCCS_Sarah

brynthe_blade wrote: »

Hi,
if I give a brief outline of my situation, I hope someone can help.
I have 2 loans, totalling £20,000. 2 credit cards totalling £12, 000 plus a £1000 overdraft.
Until now, paying them was fine (although I am always skint), but my fiance has had a baby and been made redundant, so I am now paying for everything (mortgage, utilities, sky, phone, everything) as well as £269 maintenance for my other kids.
I earn £2044 a month, which is a fair amount, but pay out just about that much in all bills.
I can't afford to buy any clothes, my car is a wreck and I spend nothing on myself.
There are 2 kids and 2 adults in the house, and my other 2 kids (and ex-step daughter) stay every other week for 2 nights.

I know this is a bit of a ramble, but I am living off my credit card at the end of each month and making my debts worse.
What, if any, is the best way out.

Hello,

It’s difficult to give you detailed advice on your options without knowing a bit more about your financial situation. So we can help you, I think you would benefit from using our online debt advice facility called Debt Remedy. Debt Remedy will assist you in completing a full financial statement and you will be provided with tailored advice on the best way to deal with your debts. It should take you about 20 minutes to complete and it’s completely free and impartial. To get advice straight away, click here to be taken directly to Debt Remedy.

If you would prefer to talk to a debt counsellor about your situation, you can book a telephone based appointment by calling our helpline free on 0800 138 1111. Lines are open Monday to Friday 08:00-20:00. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Regards,
Sarah

CCCS_Sarah

tovabb wrote: »

Hi We owe mbna £2300 We have been making minium payments but now due to financial hardship have sent them & other companies a letter from CCCS, a budget statement & creditors letter also a token payment of £5. On their website they talk about a repayment plan yet We have had 2 people phone up saying We should get a secure loan on Our mortgaged flat to pay an unsecured debt. Do They seriously think We are stupid enough to get a secured loan. We are having difficulty paying for unsecured debts which do not effect home it would be absolutely riduclous to get a secured loan which if cant pay We will loose Our home. No way. How can We stop these stupid phonecalls & arrange a repayment plan like they say on their website. Also how does one go about getting a dmp? thankyou

Hello,

You could consider making a complaint to Consumer Direct who are part of the Office of Fair Trading as in the debt collection guidelines it does state “pressurising debtors to sell property, to raise funds by further borrowing or to extend their borrowing” (2.6b)

I have attached the following link to their website for you http://www.consumerdirect.gov.uk/

Hope this helps
Sarah

CCCS_Sarah

suziq5001 wrote: »

Hi, I was hoping to get an answer from the CCCS counsellor about this. Can anyone tell me if I've posted it in the right place or if I've done something wrong? Sorry if I'm being impatient!

Thanks.

Hello,

You have posted in the right place. A CCJ would stay on your credit file six years from the date it was issued.

Hope this helps
Sarah

CCCS_Sarah

emweaver wrote: »

I need some advice regarding debts if a counsellor could please pm me

We don’t have a PM facility on our own user id, but you could send a PM to the CCCS Private Messages inbox. The link is on the first post of this thread.

Sarah

CCCS_Sarah

MapperleyFlyer wrote: »

I'm digging myself deeper & deeper into debt and coulddo with some advice. I'm around £22000 in debt which is made up from the overdraft on my account, a loan with my bank and am almost maxed out on my credit card. I rent my home and don't own a car, would an iva be the best way forward?

You would need to have an appointment with the CCCS so we can help you complete a financial statement and look into your options. An IVA is only the best option for a small percentage of people.

If you would like advice from the CCCS you could call our helpline free on 0800 138 1111.

Sarah

redsam

morning

If i ended up looking to go down the DMP route would it effect me if I want to sell and buy a new property with my partner?

MRS_A_3

Can anyone from CCCS tell me how long it takes to set a DMP up please?

I sent all of my docs off and had an email last week to say I'd missed a couple of things so I sent these on Friday 1st class.

How long do you think it'll be before I hear something?

Will it all be ready for me to make a payment on the 1st of August?

Just getting a bit nervy.