Anyone on a DMP with CCCS?

Rochdale_Guy

cc4rhu wrote: »

I find some of the stories on here a little odd. I have a standing order set up with CCCS which comes out on the 15th. No problems at all. Also, CCCS are very good at answering emails, especially from the forms on their website.

When I first started with CCCS (was refused by payplan) it was going to take 88 years to pay back my debt. 5 years later and I have just short of 5 years to go!

Cc

Hi cc4rhu,

Maybe your emails get answered (from using the forms on their website) as they aren't novellas with large attachments from someone in a total state of panic? :rotfl:
Congrats on getting 88 years down to 10 years, with just 5 years to go :beer:
Thanks :T
.
.

Learning2Budget

Rochdale_Guy wrote: »

Thanks Learning2Budget

I don't know if that's in a good way, ha ha, but I'm glad I do/did/can :rotfl:

:beer:

In a good way!! You'll be a chilled out pro in a few months!L2B.x

Rochdale_Guy

Learning2Budget wrote: »

In a good way!! You'll be a chilled out pro in a few months!L2B.x

I hope so, thank you!

Rochdale_Guy

Hi,

Just a quick update on my situation/circumstances…

I had three letters yesterday:

• A letter from RBS saying they have charged me interest on the £199 overdraft I have (had) with them on the now dormant current account. This has taken me over the agreed £200 level, and they’ve now added over agreed limit charges. They never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment etc, until CCCS contact them and offer them a payment on my behalf.

• MINT have also sent a statement saying I have missed a payment, they now want a huge amount (including last months missed payment). They also never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment etc, until CCCS contact them and offer them a payment on my behalf.

• I had a letter from CCCS stating that Barclaycard have refused the offer that they put forward to them, and they may now pass this onto a debt collection agency. Barclaycard also never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment. They of course are still adding interest and charges, and that will soon take me over my credit limit, oh what joy!

I also noticed that despite asking the individual companies concerned to change the D/D dates, and they acknowledged my request, 3 of the direct debits still came out of my Coop account today - just past midnight - before my Council wage was paid in! Good job I left some money in there…. But that’s not the point. Guess I’m on the phone again insisting (I think I’m becoming assertive!) that they change the direct debit collection dates - again.

Apart from that, same old same old!

Thing that really annoys me is I was paying MBNA £296 a month, they have happily reduced the APR to zero and stopped all charges and are accepting £40 odd a month now off CCCS, whereas I was paying £99 a month to Barclaycard, and they turn down the CCCS offer of £14 a month and won’t play ball.

Sheesh

BlushingRose

Keep nagging at them all, it'll be ok.

Also, I seem to remember someone on here saying that when creditors send stuff to a DCA it gets easier actually as the DCA is often easier to deal with.

Rochdale_Guy

Hello,

Anyone know what I should do with a Default Notice served under Section 87(1) of the Consumer Credit Act 1974, received today from the RBS regarding my Mastercard with them?

gizmo111

Rochdale_Guy wrote: »

Hello,

Anyone know what I should do with a Default Notice served under Section 87(1) of the Consumer Credit Act 1974, received today from the RBS regarding my Mastercard with them?

Nothing or send it on to CCCS.
They will register a default with the CRA's which will drop off after 6 years.

Rochdale_Guy

Cheers gizmo111

Deep_In_Debt

Rochdale_Guy wrote: »

Hi,

Just a quick update on my situation/circumstances…

I had three letters yesterday:

• A letter from RBS saying they have charged me interest on the £199 overdraft I have (had) with them on the now dormant current account. This has taken me over the agreed £200 level, and they’ve now added over agreed limit charges. They never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment etc, until CCCS contact them and offer them a payment on my behalf.

• MINT have also sent a statement saying I have missed a payment, they now want a huge amount (including last months missed payment). They also never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment etc, until CCCS contact them and offer them a payment on my behalf.

• I had a letter from CCCS stating that Barclaycard have refused the offer that they put forward to them, and they may now pass this onto a debt collection agency. Barclaycard also never acknowledged my letter stating I am contacting CCCS and here’s a £1 token payment. They of course are still adding interest and charges, and that will soon take me over my credit limit, oh what joy!

I also noticed that despite asking the individual companies concerned to change the D/D dates, and they acknowledged my request, 3 of the direct debits still came out of my Coop account today - just past midnight - before my Council wage was paid in! Good job I left some money in there…. But that’s not the point. Guess I’m on the phone again insisting (I think I’m becoming assertive!) that they change the direct debit collection dates - again.

Apart from that, same old same old!

Thing that really annoys me is I was paying MBNA £296 a month, they have happily reduced the APR to zero and stopped all charges and are accepting £40 odd a month now off CCCS, whereas I was paying £99 a month to Barclaycard, and they turn down the CCCS offer of £14 a month and won’t play ball.

Sheesh

If it's any consolation, Barclaycard didn't play ball with me either and still don't and I'm 5 years into my dmp and nearly finished now - yay! They have been evil for the last 5 years. I wanted BC to pass my debt to a debt collection agency but they never did :mad:

MBNA on the other hand, my largest creditor, have been wonderful for the whole term. No hassle from them at all and they accepted my dmp immediately and have still kept interest frozen 5 years on provided I pay the originally agreed CCCS amount which was £69 pm and they are now getting £183pm and more than my original minimum with them but they still keep interest frozen.

Good luck with your dmp.

scared-sick

Rochdale_Guy wrote: »

Hello,

Anyone know what I should do with a Default Notice served under Section 87(1) of the Consumer Credit Act 1974, received today from the RBS regarding my Mastercard with them?

I have got 2 default notices now. I rang cccs for the first one and they said I dont need to do anything with them, just file them away.

I remember reading on here that they can be a good thing as the companies can only default you once and once they default you the 6 years clock starts ticking.

Apparently its the ones that DONT default that you need to worry about as up until they do they can default you any time they please and it wont drop off until 6 years after.

So for example, you have got one now and in 6 years it will drop off your credit file, however, you could pay another creditor for the next 5 years and they can choose to default you in 5 years time...it then takes another 6 years to drop off your file from that date. Hope this rambling makes sense!! lol.