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CCCS_Sarah

3Dogs wrote: »

My husband and I have Council Tax and Rent arrears which are classed as priority debts. Ulitilies are up to date. We also have Catalogue, Credit Card, and overdraft debts which are non-priority debts.

However, my husband took out Black Horse Finance for a car - due to him being diagnosed with cancer at the same time as being made redundant we were unable to maintain payments. Our PPI covered some of the payments but the payment from the insurance company Lloyds/TSB always came well after the due date so he incurred late payment charges as well as interest. Also, earlier in the agreement we deferred some payments when he was off work with a bad back which was not covered under the PPI as existing condition. So when the agreement term finished we still owed about £2000 - after a lot of discussion, we voluntarily surrended the car which went to auction. The balance now stands at £2300.

I believe that HP is a priority debt - but my question is whether this debt is still a priority debt when there is no longer any security (i.e. car). Should this creditor be treated as priority or non-priority please? I have treated them as non-priority and as such offered token £1 payments as with all others.

Many thanks for your help.

Hello,

As you no longer have the car this would be classed as a non priority debt, so you would be able to make reduced payments.

Are you making £1 token payments to your credit debts at the moment? You would need to come to an arrangement as soon as possible with your rent and council tax as the implications of not paying these are a lot more severe. If you would like the CCCS to help you complete a budget and make suggestions then you could come for an appointment, our number is 0800 138 1111.

Sarah

CCCS_Sarah

sappy wrote: »

Hi,


To give you an idea of what I am looking at -

Mortgage outstanding as property was handed back after a marriage breakup and there was a shortfall of £53,000
joint loan with ex husband £9,000
Debts then including loans of around £3,000.

This is alot of debt.

At the minute my incomings are as follows

wages £998.00 this will be reduced down to £500per month next month as I am on maternity leave
Child tax credit £382.00
Child benefit £135.00
Working tax credit £50.00

outgoings
Rent
£290.00
c/tax £89.00
water £30.00
gas and elec £47.00
tv licence £30.00
PHone £20.00
shopping £300.00
clothes £30.00

I think that is all

What is going to be the best solution for me. I have two unwell children at the minute which can make it difficult to talk over the phone.

I have no assets or savings.

I also pay £200.00 a month to my dads for his credit card I used when I was trying to keep up my mortgage payments so i didnt lose the house.

I am wondering what the best solution is going to be for me.

Hi Sappy,

Thank you for your email.

You would really need to have an appointment to discuss this in detail and we can help you complete a financial statement. As you no longer have the house, the debt would become a non priority and you could offer a reduced payment to this.

If you would like an appointment our number is 0800 138 1111 and our helpline is open 8-8.

We also have a free online debt advice facility that you could use at anytime, you would just need to input details of your income, expenditure and debts and then you will be given a tailored booklet with advice on your situation. This link will take you directly to Debt Remedy.

Sarah

CCCS_Sarah

tara1082 wrote: »

Ok so my parents just received a letter from bukhannan clark and wells or something like that,it says that they owe an amount of £1502 to barclays bank from 2003 which has been sold to hilsden securities,they have enclosed a northampton count court application saying they are about to apply to this court for a charging order for the said amount. This debt is from 2002 and no payment has been made since 2003 and she has had no contact from them for years so i was under the impression it could not be enforced? Could you please give me some advice on what her options are? She is so worried about her home as this charging order sounds bad.

Hello,

If your parents have made no written contact, made no payments and no have a CCJ within the six years then the creditor are out of time to collect the debt. This is also known as statute barred under the limitations act.

In the bottom left hand side of the forms there will be a code, this is the form number. Would you let me know this please so I can help further?


Regards
Sarah

CCCS_Sarah

lilyjoy wrote: »

Help needed,
My hubby and I are on a DMP with you.It has been going since July last year.We have 8 creditors between us.Our debts are about £40,000 and we pay £186 a month on our plan.We were informed that one of or creditors has not accepted our monthly payment.Yesterday we got a Claim Form from the court asking for the full amount to be paid.£12000.We have not got this money.What will happen.I am so frightend we will loose our house.Any advice greatly recived

Hi Lilyjoy,

Thank you for your email.

Could you let me know the code at the bottom left of the form please so I can point you in the right direction? You would also need to call our client support department as the will be able to give you specific information on your situation.

Regards
CCCS

CCCS_Sarah

Flipped27 wrote: »

Hi - me and my husband are looking into trying for an IVA and we have contacted CCCS and have a telephone appointment with an IP tomorrow morning - I just wondered, as I am slightly confused.....should we be making token payments to our creditors?

We are all up to date with payments at the moment, but only becuase we are robbing from Peter to pay Paul - if they IVA calculation says we can afford £500 a month - should we be making those pro rata payments from May (alot go out on 1st May) while we press ahead with an IVA or continue to keep on struggling to pay minimum payments?

Thanks in advance

C

Hi Flipped,

Thank you for your message.

Have you had your initial appointment with CCCS and been referred to CCCSVA?

If you are struggling to keep up with your payments, you need to ensure that your priority costs are paid first of all and then offer reduced payments to your creditors.

Sarah

CCCS_Sarah

Mercyknight wrote: »

I hope that you can help me with my questions:

I have set up a potential DMP through yourselves and received the pack yesterday. I need a couple of questions answering before I proceed.

1. If I end up going with the plan will there be a chance that I still have to go to court of a debt? If this is the case how does it get dealt with?

2. All my debts are unsecured is there a chance I could still lose my house or have items (which belong to me) taken by bailiff?

3. Also I think I may have made a mistake I'm not sure if I've got my wires crossed. DFS furniture is that HP or Loan Agreement? It's with HFC Bank and I'm assuming it's a loan.

Thanks for your help in advance,

Hi Mercyknight,

I have attached the following link to the CCCS website that explains the collection process that the creditors could follow. Have a read through this as this will answer some of your questions

http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Debtcollectionprocess.aspx

A creditor does not have the power to send a bailiff, you would only ever get a bailiff if you did not pay any fines or council tax or had a CCJ that you did not pay.

HFC would be a personal loan not a HP agreement, is it down as a HP agreement? If so, give us a call and we can change this for you.

Sarah

3Dogs

Many thanks Sarah/CCCS

That put my mind at rest as this creditor is being most awkward - most of our other crediors have agreed our £1 token offers but the latest one from them tried to say they should be paid before even Council Tax/Rent - which I knew was wrong - and that they had to be treated as priority which I did not believe but just wanted to check

We did contact CCCS and we talked about DRO but as our debt included rent and council tax which I wanted to pay off, we agreed that I should offer token £1's until priority debts paid off then consider DRO or, if excess over £50 then, DMP. All we want is them to do is accept £1 a month until August when all priority debts will be up to date, and then review. I am continuing to pay them £1 as with others - August is not that far away!!!

At least now I can counter their 'priority' claim :T :T Thanks again

Mercyknight_2

Wow, I've read it and it's kind of put me off a bit...

It states that in "rare" situations the CCJ or Creditor may try and force you bankrupt...

That is massively scary!

Problem

I have a a questions which I really could do with your help.

I have a £2,196 debt with the Halifax. I keep getting letters from different companies... how do I know which one I should be paying?

fermi

Mercyknight wrote: »

Wow, I've read it and it's kind of put me off a bit...

It states that in "rare" situations the CCJ or Creditor may try and force you bankrupt...

That is massively scary!

That is VERY VERY VERY VERY rare.

99.99% of the time it would also be a very stupid thing for a creditor to do, as it costs them £1,000s in up front fees to do, with no guarantee at all that they would see any of them back, let alone any of the original debt.

The only people likely to do it if you owe them money are the Tax man and occasionally a local council. Then they really only do it as a way of closing their cases/files.