Christians Against Poverty

dancingfairy

Hi Cheeselady - I think they are equally as good. Perhaps some people are put off because they come from a Christian background although this is why they do it not how they do it - if you see what I mean. Perhaps it's because the CCCS is a national organisation and CAP are more local? From the few posts I've seen on here they certainly seem to be as good and with your hearing problems perhaps they can help with the personal approach where a bigger organisation might not be able to as well?
My understanding of debt management schemes (run by free people of course!) is that you may your 'normal' monthly bills and then whatever you have left at the end of the month is sent to CAP or CCCS or whoever and they divide it up fairly between the people you owe money to - the people you owe more to get a bigger share etc I believe. I would assume that this is how the CAP opperates as well. They would also help you get on top of your priority bills as well which would need to be done before you could really do a debt management scheme - obviously catching up with nay missed rent, council tax etc is more important than say a credit card.
Hope this helps a little.
df

dancingfairy

Oh - CCCS have an online form thingy which you can fill in and see what it recommends - which you can either follow up or ignore. Whether you do one company and then get a second opinion or not or do both together really doesn't matter - it's up to you. It's only when you've decided what to do that you really need to stick to one company - after all at this stage you're only getting advice and recommendations - you don't have to go with what either say if you really don't want to.
df

guinnessgirl

Cheeselady wrote: »

Oh thank you so much for explaining it to me, so when you say bill and debt repayments, what bills does that cover? Are you talking about all of them or just particular ones such as gas/phone, or does this only apply to any bills which you are behind with payment? Thanks for replying to my questions, really appreciate it. :T

Hi Cheeselady!

It can work two ways with CAP, depending on how much you feel you can handle. if you are finding it impossible to keep up with your regular bills as well as your debt repayments, CAP can work out how much you need to pay for all your regular bills as well as any debt repayments and can administrate it all for you. If, however, you feel you can manage to keep on top of paying your regular bills, then CAP will work out how much you need to pay in to cover your debt repayments and you would just pay that in to CAP.

Hope that is clear and makes sense!

RAS

guinnessgirl wrote: »

then CAP will work out how much you need to pay in to cover your debt repayments and you would just pay that in to CAP.

I assume you mean how much you have left after paying your priority bills??? Not how much you need to pay off the minimum payments?

Cheeselady

dancingfairy wrote: »

Oh - CCCS have an online form thingy which you can fill in and see what it recommends - which you can either follow up or ignore. Whether you do one company and then get a second opinion or not or do both together really doesn't matter - it's up to you. It's only when you've decided what to do that you really need to stick to one company - after all at this stage you're only getting advice and recommendations - you don't have to go with what either say if you really don't want to.
df

Thanks for helping to clarify that. :T

Cheeselady

guinnessgirl wrote: »

Hi Cheeselady!

It can work two ways with CAP, depending on how much you feel you can handle. if you are finding it impossible to keep up with your regular bills as well as your debt repayments, CAP can work out how much you need to pay for all your regular bills as well as any debt repayments and can administrate it all for you. If, however, you feel you can manage to keep on top of paying your regular bills, then CAP will work out how much you need to pay in to cover your debt repayments and you would just pay that in to CAP.

Hope that is clear and makes sense!

Thanks, yes, thanks for taking the time to explain to me. I have just been looking at your website, which has been really useful and also inspiring. Thanks for your help.

mitch76_2

We have had an advisor come to us today and explained the whole process to us - They were really nice and helpful and I am sure you have nothing to worry about. They are coming back next week with an initial budget plan for us to stick to whilst they contact all our creditors........

........ Really - just do it, they were lovely........ We are up to date with priority bills and so they will be left for us to control and pay (if we want to) and CAP will be dealing with all our credit cards that have spiralled out of control. We will be paying money into an account, monthly for CAP to deal withthe creditors and also a little extra each month for emergencies (Car tax etc.....) - all we need to do is give 5 days notice to get this money straight out!

We feel very relieved that we have called them and seen them today

If you have any questions feel free to contact me

Mitch xx

Cheeselady

mitch76 wrote: »

We have had an advisor come to us today and explained the whole process to us - They were really nice and helpful and I am sure you have nothing to worry about. They are coming back next week with an initial budget plan for us to stick to whilst they contact all our creditors........

........ Really - just do it, they were lovely........ We are up to date with priority bills and so they will be left for us to control and pay (if we want to) and CAP will be dealing with all our credit cards that have spiralled out of control. We will be paying money into an account, monthly for CAP to deal withthe creditors and also a little extra each month for emergencies (Car tax etc.....) - all we need to do is give 5 days notice to get this money straight out!

We feel very relieved that we have called them and seen them today

If you have any questions feel free to contact me

Mitch xx

Hi Mitch, thanks so much for reporting back on your experience with CAP. Our meeting is now 10 days away, so not long to go now, I hope your meeting is as positive as yours! I will report back on this thread when they've been.

mitch76_2

Hope your meeting went ok? xx

Cheeselady

mitch76 wrote: »

Hope your meeting went ok? xx

Hi,thanks for asking, we have actually had two meetings now, and the second meeting we were presented with the first version of a DMP, and they are coming back in another two weeks to go through things again. If we can keep hubbies salary constant it will work well and we will be debt free in 5 years time, but his salary is a bit unpredictable at the moment, but yes, feel better for having the support from CAP, they've been fantastic, so hoping it all works out for us but not quite there yet! How are things going with you?