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CCCS / Stepchange

2

Comments

  • rising_from_the_ashes
    rising_from_the_ashes Posts: 12,433 Forumite
    10,000 Posts Combo Breaker Home Insurance Hacker! Debt-free and Proud!
    Bedsit_Bob wrote: »
    Offering a F&F isn't lying or dishonest.

    No it's not - but lying to Stepchange at your review is!
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    tintingirl wrote: »
    Won't they ask for a currently payslip? I am also overdue my review - they haven't contacted me yet - but my December payslip shows a backdated pay rise so therefore over inflated figure. Was hoping to review after Jan payslip which will be 'actual' new wage. Assumed they would want new proof of income but maybe not - perhaps someone who has been in the review process can help...?

    If not, and you want to hide your increased income that is up to you, be aware they may kick you off the DMP if they found out.

    They don't ask for payslips, you just need a good estimate of your monthly take home pay.

    Be careful about delaying your review, we have two creditors who insist on a 6 monthly review and when they did not receive this from CCCS, they re-introduced interest :mad:
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Eighth Anniversary 10,000 Posts Debt-free and Proud!
    rising_from_the_ashes wrote: »
    No it's not - but lying to Stepchange at your review is!

    Which is exactly the point I was making.

    They're not comparable.
  • dannyfleetwood
    dannyfleetwood Posts: 118 Forumite
    I do have credit open since going on DMP. With Vanquis and Capital One. This is simply to improve my credit score and overall look of my report.

    I have done my review just with Stepchange and I am now paying £510 per month instead of £110 so my debt free estimation is 18 months!!

    Can't wait to get this over and done with!
    TOTAL OUTSTANDING DEBTS CURRENT BALANCES: Allied International - £3359.61, Blair Oliver & Scott - £1394.65, Lloyds TSB - £211.22, Lloyds TSB - £3125.80, Wescot - £966.25
    ESTIMATED CCCS DEBT FREE DATE: April 2019. I aim to be debt-free by 2014 at the latest.
  • 365days
    365days Posts: 1,347 Forumite
    I just hope you're not called Danny Fleetwood;)
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • katy_ann
    katy_ann Posts: 1,094 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well done on making the right decision, it will pay off in the long run :)
    Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£2025
  • dannyfleetwood
    dannyfleetwood Posts: 118 Forumite
    365days wrote: »
    I just hope you're not called Danny Fleetwood;)
    How did you guess? :shocked:

    Happy I made the choice.
    TOTAL OUTSTANDING DEBTS CURRENT BALANCES: Allied International - £3359.61, Blair Oliver & Scott - £1394.65, Lloyds TSB - £211.22, Lloyds TSB - £3125.80, Wescot - £966.25
    ESTIMATED CCCS DEBT FREE DATE: April 2019. I aim to be debt-free by 2014 at the latest.
  • Giraffeseeker
    Giraffeseeker Posts: 449 Forumite
    Time_to_face_the_music wrote: »
    They don't ask for payslips, you just need a good estimate of your monthly take home pay.

    Be careful about delaying your review, we have two creditors who insist on a 6 monthly review and when they did not receive this from CCCS, they re-introduced interest :mad:

    Thanks, I will work out my best guess at my new take home pay and will call them ASAP.
    LBM:1/1/12
    Debts @ LBM:£43,546 :eek: Debts now: £9,486 :cool: 78% PAID
    Found YNAB 1/2/14 - the best thing EVER!
  • Alice_in_Welfareland
    Alice_in_Welfareland Posts: 66 Forumite
    dannyfleetwood wrote: »
    I do have credit open since going on DMP. With Vanquis and Capital One. This is simply to improve my credit score and overall look of my report.

    I have done my review just with Stepchange and I am now paying £510 per month instead of £110 so my debt free estimation is 18 months!!

    Can't wait to get this over and done with!

    When you sign up with CCCS you agree to not to borrow more money or enter into a new credit agreement without asking CCCS first.

    Did you ask first could you open Vanquis and Capital One credit cards or declare this new credit in your review? I am no fan of CCCS but they do provide a free service to their clients and you are abusing it.
  • julesu83
    julesu83 Posts: 5 Forumite
    edited 11 June 2013 at 3:45PM
    When you say you're not a fan, do you mean you don't think they provide a worthwhile service? Just wondering as I am in the process of signing up with them and was a bit worried by that bit!? Was wondering about them anyway as I have been having trouble getting them to reply to any of my emails
    Total Debt: £13,271. StepChange Approx. DFD June 2021...if cleared sooner I'm buying the :beer:
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