DMP review - scared!!

lowlowlola

i have a dmp with CCCS and need to have a review as my income has dropped - my concern is that i have a small overdraft - yes i know i should n't have one but i need it for work as they don't advance funds and i can be as much as £500 out of pocket each month due to travel expenditure and i live on such a small sum i need this flexibility - do you need to send in your bank statements. Will they know??

am so worried i am going to be chucked off the plan!

bank_of_slate

Hi Lola,
I think as long as you can evidence this is a necessity I can't see them having a problem with it,
they understand that people's circumstances change.
If you told them that you had an overdraft because you REALLLLLLY wanted a new dress from Karen Millen, I doubt they'd be so understanding
...Linda xx

lowlowlola

thanks for your reply - do CCCS require a copy of your bank statement for a review - i guess i could get a letter from my work to confirm expenditure??

bank_of_slate

I haven't dealt with them personally, I'm sure some one else on here will be along soon who knows the answer to this one.
Try not to worry about the 'what if's and maybes.
You know that this is justified and you can't do your job without it
...Linda xx

3LITTLEPIGS_2

if you're worried can't you say you only receive online statements and have stopped paper ones??
I have with my bank (ltsb) so i couldn't send any in even if i wanted to!

lowlowlola

thanks , i do want to be honest with them ---but i do only have internet banking!

Emmzi

lowlowlowla,

can you take copies of last few months expenses claims to show them?Shouldn't be a problem then.

lowlowlola

thanks

it is all clear whats been spent - i am still in a tizz but comments have been so helpful

moonlightpjs

They just asked us for proof of income, wageslips etc so dont worry too much.

Hope this helps
Lisa xxx

lowlowlola

as always thanks so much i can sleep tonight

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thanks to you all !!

i honestly don't know what i would do with out this forum,,, it really is a life saver!!!

if any one is just surfing this site and as worried as i was please join and post your questions.... there so many people here who care enough to take the time to help and have a wealth of knowledge and experience

looby75

cccs have been fantastic with me and realise that everyone's situation is different. I was allowed to keep my asda store card as I do online shopping and by paying with my asda card I save myself £24 a month on delivery charges, that's £24 extra to throw at my debts. All I had to do is pay off what I put on my card every week, so it pretty much always shows a nill balance.

CCCS are flexible and please please don't be scared to talk to them or ask for advice.