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A big hello from the CCCS
CCCS_Matthew
Posts: 922 Organisation Representative
Hi there everyone,
My name is CCCS_Matthew and I work as a Debt Counsellor for the debt advice charity Consumer Credit Counselling Service. Many of you on here will probably be already aware who we are and the services we provide, but I thought I would take this opportunity to introduce ourselves.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide. We take great pride in offering first class help and advice. While we are aware that there are already many people here that give good debt advice, my colleague CCCS_Emily and I, aim to be a welcome addition to the site by giving professional debt advice.
We will try and provide as much advice as possible on this forum, however in some cases it maybe beneficial for you to get in contact with CCCS directly, so we can give you more detailed advice. Feel free to take a look at our website www.cccs.co.uk; otherwise Emily and Iare happy to answer any queries.
My name is CCCS_Matthew and I work as a Debt Counsellor for the debt advice charity Consumer Credit Counselling Service. Many of you on here will probably be already aware who we are and the services we provide, but I thought I would take this opportunity to introduce ourselves.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide. We take great pride in offering first class help and advice. While we are aware that there are already many people here that give good debt advice, my colleague CCCS_Emily and I, aim to be a welcome addition to the site by giving professional debt advice.
We will try and provide as much advice as possible on this forum, however in some cases it maybe beneficial for you to get in contact with CCCS directly, so we can give you more detailed advice. Feel free to take a look at our website www.cccs.co.uk; otherwise Emily and Iare happy to answer any queries.
I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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Comments
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Hi Mathew, I have just started with the CCCS and want to say thankyou, CCCS have been there when I thought there was no where to turn they have shown me a light at the end of the tunnel, it wont be easy and might be a long time before im debt free but at least ive now got someone to help me sort my life out along with the help of all you good people on the Debt Free Wanabee board !!! believe me Debt does affect your life and wellbeing and those close to you.
Anyway ...
My first payment is been paid to my creditors this month and feel thats a good start.
Again would like to say a big thankyou CCCS for being there and would sincerly recomend anyone who is struggling with debt to contact them !!!!
BIG THANKYOU TO CCCS Dmp Mutual Support thread member No 820 -
Hi all,
Just to say both Matthew and Emily have permission to post on the forums.
MSE Archna0 -
Hi Matthew - and welcome to DFW. You will see, if you have not already done so, that CCCS, along with other Debt Charities, are held in high esteem, in this forum.
We welcome the input of people like you and Emily, as the majority of us can only give advice based on our own experience. We are, so often, being put down by 'rogue posters' and 'TROLLS' who will say anything to 'rubbish' the advice we give.
Hope you have an enjoyable stay.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Welcome to MSE!!!! Good to have you here!Total 'Failed Business' Debt £29,043
Que sera, sera.
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Welcome and please pop over to the Bankruptcy board from time to time. You'll be most welcome there0
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hi matthew, just a quick one i have been advised a dmp by cccs,i have equity in my house, is there a hard and fast rule to release this equity by my creditors,the reason being 10 yrs away from retirement and want to be mortgage free cheers hope you can help ken.0
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welcome matthew and emily 0 -
Hi. You are both very much welcome.
EDIT: And yes, please don't forget the Bankruptcy sub-forum here.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Welcome
Suspect you will be busy.If you've have not made a mistake, you've made nothing0 -
Hi Ken,
The most common way a creditor would be able to get at any of the equity within your property would be to apply to the courts for a charge. A Charge is whereby they are trying to secure the full amount of debt that you owe the creditor onto the house, rather than you paying them via installments such as in a DMP.
Generally creditors have to wait for you to default on a CCJ before applying for a charge, but in recent cases creditors have applied for a CCJ asking for the full amount and therefore giving them the opportunity to go for a charge on the property.
You always have the opportunity to defend a charge on the property, and ensuring that you have a realistic budget to prove that your offer of payment is fair would help you in this area as you can show that your are doing your upmost to give your creditors as much as you can realistically give. The chance of a judge accepting a charge on a property does vary depending on the circumstances, such as the length of time it would take to pay the debt back through a DMP.
If you want to speak about anything like this in more detail you can always give us a call and we can answer any queries you may have
Regards,
CCCSI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.0
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