Omg!!!!!

LittleL_4

I started on a DMP with CCCSs in Oct. I've paid them 2 months payments of £357 and my balance at the start was £23,000 something (see my sig)

Tonight I logged on and it's sitting at £27,000!!!!!!! WWWWHHHHAAAATTTT!!!! OMG!!!!

I can't phone then until tomorrow can anyone put my mind at ease

Help!

little L
xx

Broken_hearted

No idea. Try not to panic, have a drink water/milk and go to bed.

iceicebaby

Right ok I don't really know why this would be but Im sure someone will have an explanantion.

In the meantime, don't panic!

rog2

Ouch - hope you sort it out. :eek: :eek:

moozie_2

Hi LitlleL

Have the interest/charges stopped being added on or not yet?

Try not to fret too much until you can speak to CCCS. Easier said than done I am sure.

LittleL_4

Well I was thinking about that, but it's really only been my bank who have continued to charge me but surely not £4,000 in 2 months!!

I had a good look there and it looks like they've really cocked up! EG - they have my monthly payment sitting at £427 (I arranged £357)

I'll need to phone first thing tomorrow, I'm sure it's all a big mistake :rolleyes:

I'll let you know the outcome

Thanks guys you're the best!

L
x

Broken_hearted

Thanks will check in the morning, see how you are going

System

Broken_hearted wrote:

No idea. Try not to panic, have a drink water/milk and go to bed.

Hopefully its a typo. But you may need something stronger than water or milk!

LittleL_4

Well I've been in tears all morning... Aparrently I now owe in the region of £27,000 due to charges applied by my bank. And I CAN'T claim them back coz it will be sold onto a debt collector etc...

The guy I spoke to from CCCS was lovely and explained everything to me but I still feel so worried about it all. He suggests going in to my local branch (clydesdale) with all my DMP info and explaining everything to them in the hope they'll freeze the charges.

I feel I'm taking 10 steps forward and 1000 back. What's the point of it all! I'm gonna be in debt forever at this rate....


L
x

LookingAhead

Oh no, LittleL, I'm sorry. It is a set back isn't it?

But take heart. If they freeze the charges then this is your (hopefully) worse case scenario. You'll know what you are working with and the quest for debt freedom work will continue.

I know this won't be much consolation hon, but don't give up. Please don't give up.

duncans-mum_2

LittleL wrote:

Well I've been in tears all morning... Aparrently I now owe in the region of £27,000 due to charges applied by my bank. And I CAN'T claim them back coz it will be sold onto a debt collector etc.


L
x

I am no expert, but please double check that you CANT claim them back. Perhaps go to the bank action group website and ask advice on there. Doesn't hurt to ask, just in case!