Are the CCCS and the national debt helpline really to be trusted?

Gray-Fox

NDH are a lead generation company

and the CCCS ensure they use the legal minimums meaning you pay the most you can pay

the CCCS make more profit then most private DCAs

What negatives are there, because I'm on the phone to someone who is telling me to be very careful of those companies.

dancingfairy

I think the company Martin recommends is National Debtline which is not the same as National Debt Helpline. National Debt Helpline are no doubt a private company.
df

winner12

CCCS and National Debtline give free impartial advice if you are talking to someone offering to sort out you debts for a fee its not one of the above

IcklePickle_2

There are no negatives. They're independent agencies. You can do a completely free check on the CCCS website and it gives you suggested solutions 'Debt Remedies' - you don't even need to talk to anyone.

Pott5y

Be careful who you talk to.

National Debt Line (NDL) and Consumer Credit Councilling Service (CCCS) are both Non profit making organisations. These will not charge for any service they offer so all spare moneys go directly to the creditor.:T

National Debt Helpline (NDH) and CCS are money making DMP providers who are just lining their own pockets by charging a fee to manage your DMP.:mad: Not to be used or trusted (my opinion only of course.)

podperson

CCCS and National Debtline are both registered charities not profit organisations, you will never have to pay for advice or services from them. Just be careful of for-profit companies using similar names, such as Consumer Credit Service and National Debt Helpline - who use these names purely to trick you into thinking they are trustworthy and then charge you a fortune for services you can get free elsewhere.

thepedestrian

but even CCCS are part funded by the credit card companys I believe - you will notice that they are not to helpfull as regards full and final settlements and dont ever mention sending of for your CCA from a company :eek:

DarkConvict

As pointed out already NDH and CCS are rip offs in both name and services offered. NDL and CCCS are the real charities!

Jimmy79

dancingfairy wrote: »

National Debt Helpline are no doubt a private company.
df

Il second that... they advertise non stop on daytime telly.... Mostly inbetween Jeremy Kyle!

Your better off going through a direct.gov and getting a link to their website. Least you know it will be the correct thing because you got there via a reputable government site .

property.advert

They are all like chocolate fire guards, ok to look at and deal with but when the fire is turned up then turn into puss. They are staffed by people who appear to be on some commission based remuneration who churn out whatever the computer tells them to and with little actual knowledge themselves IMHO and experience. I guess they are better than nothing but their "advice" should only be the starting point for your own research, not the end.

I gained a little knowledge, spoke to a few of them (the charitable ones) and they knew next to nothing except what was in their prepared script.

podperson

Payplan is the one that is funded by the credit industry but it is under an obligation to provide impartial advice.
At the end of the day they are charities and non-profit organisations and, at the first point of contact in particular, are often staffed by volunteers. They will not deal with things like unenforceability or claiming back charges as these things are technically just loopholes and haven't really been held up from a legal or official point of view. However they will offer free advice, give you information on different options such as ivas or dros and will often manage a dmp for you without taking a fee for it.
A lot of people on this site will be able to find this information themselves or run their own dmp, others may feel they need the advice and support and if they do it's much better to go to one of these places then a profit company that will charge you fees and often works on commission for the same finance companies that people are trying to get away from in the first place.