CCCS - What's the score with that?

learning_to_drive

today I am dealing with my debt problems, to explain (£500 odraft with FD) currently at £-350 and I have loads of DD's to come out, such as mobiles / internet / insurance. I have no idea how I am going to pay them all obviously because of my health problems I've not worked since 17th Dec (when I left I.R. before they fired me for absence / health problems) and I've started again now in the new year at ASDA, but obviously I get paid on the 20th I believe, but that's only going to be 1/2 pay again.

This is the issue, I've not had a full pay since September but still had the same outgoings, probably more outgoings because of the car and petrol expenses etc. So I've virtually ran out of money now. I'm thinking of giving the CCCS a call, but what are the stages involved in that? Does it have an effect on your credit rating? Has anyone got any stories about CCCS, are they good, what would they do?

themaccas

Hi LtD, I don't know much about CCCS (although have an excellent reputation judging by the posts on here) but I think it takes a while to set up and probably won't be done by the time you get paid. If I were you I would speak to the bank about increasing the overdraft temporarily so that the DD's get paid, if this is not possible then cancel the DD's and contact the companies direct to arrange payment terms as the bouncing charges will be very high.

Have wanted to say well done for getting the job at ASDA, I really hope things work out for you there, take your time in settling in and look after yourself.