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carlos2
carlos2 Posts: 22 Forumite
in IVA & DRO
I was originally sorting my debts out with CCCS and only after speaking to a friend did she tell me to go to my local CAB to see about a DRO as my debts were under £15,000 - they were so helpful and did all the paperwork for me so if owe less than £15,000 it really is worth considering - I will be debt free in June next year and cant wait!!! :j

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  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    carlos2 wrote: »
    I was originally sorting my debts out with CCCS and only after speaking to a friend did she tell me to go to my local CAB to see about a DRO as my debts were under £15,000 - they were so helpful and did all the paperwork for me so if owe less than £15,000 it really is worth considering - I will be debt free in June next year and cant wait!!! :j
    They're worth their weight in gold DROs. :)
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • wba31
    wba31 Posts: 2,189 Forumite
    carlos2 wrote: »
    I was originally sorting my debts out with CCCS and only after speaking to a friend did she tell me to go to my local CAB to see about a DRO as my debts were under £15,000 - they were so helpful and did all the paperwork for me so if owe less than £15,000 it really is worth considering - I will be debt free in June next year and cant wait!!! :j

    CCCS would have done a DRO for you...
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    wba31 wrote: »
    CCCS would have done a DRO for you...
    From clients who's told me their experience, CCCS have a very computer based approach. If their computer assessment says you should be doing a DMP or whatever there isn't any flexibility apparently.
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • wba31
    wba31 Posts: 2,189 Forumite
    immoral_angeluk wrote: »
    From clients who's told me their experience, CCCS have a very computer based approach. If their computer assessment says you should be doing a DMP or whatever there isn't any flexibility apparently.

    ive helped people through the CCCS process and found it to be very flexible, i understand they do use a complex IT system but the advisors are able to over-ride if they feel that they know better.
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    wba31 wrote: »
    ive helped people through the CCCS process and found it to be very flexible, i understand they do use a complex IT system but the advisors are able to over-ride if they feel that they know better.
    That's good. I only have the client's word for it and we have our own DMP referral system to CCCS, so it's good to hear that :)
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
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