Letters to Creditors

lonely2

Hi

Can anyone please give me links to letters I should send to my creditors and advise if I should send them a payment at the same time and for how much? Should I send them how much I think my DMP will come out as or a bit less just now until it's sorted?

I have my initial phone call with CCCS on Friday but my loan payments are due to come out of my account on 5th and if I let this happen then some essential things will probably bounce (mortgage, council tax, electric etc.) so I can't let that happen.

Should I cancel my loan payments now before they come out which means the banks will probably not have received my letter before I cancel them?

I'm getting a bit confused about when to do things. I do have a CCCS reference number but have not supplied them with any details yet. I am just really nervous about cancelling direct debits without informing the company first.

Oh dear, so many questions going round and round in my head!:eek: :eek:

Please help

Thanks

toasti

Hi I am in same position as you (my CCCS talk on 4th June) and loan payments etc coming out on 6th June. I have cancelled all my dd's, and loan payments on the advice of the man I talked to at CCCS when I made the appointment.
I have sent a letter to my creditors including a token payment of £! by cheque (send recorded delivery so you have proof of posting).
In my letter I:
1. Said I have appointment with CCCS re debt situation becoming impossible
2. Included my CCCS ref no
3. Said I have enclosed a token payment
4. Asked them to contact me in writing and not by telephone

Hope that helps
Toasti

lonely2

Thanks Toasti

I will do that tomorrow. We seem to be at the same stage of dealing with our debt so please keep me updated on your progress and I will let you know if I get any useful info as well.

Any other links to letter would be useful as well.

Thanks

toasti

Hi you can find a copy of the letter I sent to creditors in the DMP Mutual Support Thread. I also included account numbers.
It's good to have contact with someone who is in the same position as yourself, good for support
Off to bed now as really sleepy, good luck with the letter