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Token Payments

hi, when offering token paymetns is it ok to fill in the blanks and print the letter off from the CCCS remedy? or do you have to type it all out. daft question i know! lol thats my job for today offer small token payments so i at least look like i wanna pay it, but will go BR as soon as saved the pennies. thanx
:male: 2 Beautiful Boys :male:
:beer: Not uptomyeyes anymore thanx MSE & friends for all your help:beer:

Comments

  • sizzler
    sizzler Posts: 5,094 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You can copy it and ammend the information to your requirements.

    sizzler:)
  • and i'm a lil stuck on the bit where it says, [FONT=&quot]In an effort to get finances under control, I have sought help from the Consumer Credit counselling Service (CCCS). I am currently in financial difficulties because????

    i dont know what to put for this bit? my out goings are more than my incomings (obviously)

    help anyone
    [/FONT]
    :male: 2 Beautiful Boys :male:
    :beer: Not uptomyeyes anymore thanx MSE & friends for all your help:beer:
  • curly04
    curly04 Posts: 7,247 Forumite
    how soon are you going BR

    We didn't offer the token payments and it was 6 months before I got my fee's together
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • curly04 wrote: »
    how soon are you going BR

    We didn't offer the token payments and it was 6 months before I got my fee's together

    to be honest we dont know ASAP this is the 1st month we will stop paying the credit cards to save for the BR so hopefully within 4 months (fingers crossed) i just dont want to get into trouble :(
    :male: 2 Beautiful Boys :male:
    :beer: Not uptomyeyes anymore thanx MSE & friends for all your help:beer:
  • curly04
    curly04 Posts: 7,247 Forumite
    i didn't get into trouble

    the way i looked at it i had 14 creditors - so 14 letters paper, ink, 14 stamps £14 and 14 letters back saying that's not enough
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • curly04 wrote: »
    i didn't get into trouble

    the way i looked at it i had 14 creditors - so 14 letters paper, ink, 14 stamps £14 and 14 letters back saying that's not enough

    I just worry to much for my own good, i know its not gunna be forever just a couple of months till the deed is done. thanx for your advice
    :male: 2 Beautiful Boys :male:
    :beer: Not uptomyeyes anymore thanx MSE & friends for all your help:beer:
  • Angiepange
    Angiepange Posts: 3,521 Forumite
    Part of the Furniture Combo Breaker
    We stopped paying all creditors 3 months pre BR. We sent £1 token payments the first month but nothing after that, to be honest it was a waste of time and money.

    They weren't prepared to listen to our change in circumstances. It was only when CAB offered to write on our behalf with exactly the same information and evidence of income really to buy some time before the BR did they take our situation seriously.

    It was too late by then and would have only delayed the inevitable.

    You wont get into trouble but you may have creditors ringing and writing trying to pressure you into paying. I would just tell them you are seeking professional advice to deal with your situation and not mention you are planning BR.

    Good luck with it all

    Angie x
  • dizzymanda
    dizzymanda Posts: 35 Forumite
    prior to stopping payments I switched my phone back to BT and got a new phone number ex directory - stopped the phone calls!
  • curly04
    curly04 Posts: 7,247 Forumite
    dizzymanda wrote: »
    prior to stopping payments I switched my phone back to BT and got a new phone number ex directory - stopped the phone calls!
    snap
    or you can ring the supplier and say you are getting crank calls and they will change your number FOC, that what the mobile company did
    Total Weight Loss - 28lb and counting
    AD 17/11/2010
  • missyp123
    missyp123 Posts: 564 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    hi,
    i have to say when we tried token payments (when tried to start a dmp) it didnt make a difference they still called and sent letters that the charged extra fees for!
    when we decided to file for BR we were told not to bother with token payments at all. We have had 6 months of saving, not paying mtg or debts. yes they send letters, but the phone numbers have been changed :D
    in my opinion token payments are more for when you are trying to sort out some sort of payment plan...something to show them your are trying and can make some sort of regular payments in the future.
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