Please, desperate for advice re: Gregory Pennington

mjdh1957

I'm genuinely curious as to why you'd go to Payplan or CCCS and then not tell them about a couple of debts.... What was the reason for that?

I'm not judging you, I've done lots of irrational things with debt myself.

sanfrancisco

Hey Weller,

Just for you information Payplan and CCCS are charities. They were set up by the Government a few years ago and all the banks and building socs pay them to keep them going. In short, every single penny you pay them, goes to a creditor. The banks etc trust them because they get more money and are more reliable.

GP are a private company. They make money out of you. A large proportion of the money that you give them for your debts will stay with them. They are also notoriously bad at organising your debts and the banks are more likely to reject their offers, because they don't trust them.

Please stay away from GP and all others like them.

I know things seem bad at the moment, but you will get through this. You need to get hyper organised and you need the whole family on board. Please stick around, you will get alot of help. Please don't feel like you are alone. You are not.

moonlightpjs

mjdh1957 wrote:

I'm genuinely curious as to why you'd go to Payplan or CCCS and then not tell them about a couple of debts.... What was the reason for that?

I'm not judging you, I've done lots of irrational things with debt myself.

Because, basically I'm stupid and was still using the O/D and CC !????

mjdh1957

weller711 wrote:

Because, basically I'm stupid and was still using the O/D and CC !????

Ouch! At least you've now realised it wasn't the brightest idea you've ever had.

Good luck with sorting it out, and don't get too stressed, it only makes things worse.

silvercar

you will probably find more support on here than anyway else!

sounds to me that you have all the creditors sorted except the one (or 2) you forgot to include in the plan. once they see what you can afford, you will be able to make all the payments that were agreed and then you will be back on an even keel. just because CCCS can't help you, doesn't mean that the creditors will reverse the agreement you have already made with them.

Donedoingdebt

weller711 wrote:

Must admit though, its all a little scary - contacting all of our credititors and I am sure I am going to get mixed up making payments on time, to which company etc. D

STANDING ORDER, STANDING ORDER, STANDING ORDER!

moonlightpjs

Do you know, what a lovely bunch of people you all are, thanks a million everyone. Still scared and still have a sick feeling in my tummy but they can all wait till after Xmas when I will sort them all out. Hope you are all still here if things don't go according to plan !!!!! (Sorry, I mean I hope you are all not in debt, just posting.) Still need to do a pro-rata thingy though, so if anybody can point me in the right direction............................

moonlightpjs

Donedoingdebt wrote:

STANDING ORDER, STANDING ORDER, STANDING ORDER!

What if they won't let me pay by standing order?

moonlightpjs

Broken_hearted wrote:

I think they want to know everything to stop you running up more debt and hiding it. As I've said numerous times they refused outright to help us, so we went it alone.

Can I be really nosy and ask why they wouldn't help you? Won't be offended if you don't want to answer!!!

Donedoingdebt

weller711 wrote:

What if they won't let me pay by standing order?

At the end of the day, they want your money & a standing order is a fairly reliable way of them receiving a regular payment from you. I suppose some could be awkward, but I've never come across them & unfortunately, I've had to deal with a few over the years. It'll take a lot of stress off you as well, knowing that you haven't got to organise other types of payment every month.