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A big hello from the CCCS
Comments
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Hello Matthew & Emily
Hope to see lots of you :TFINALLY DEBT FREE 9th JULY 2007£23K PAID IN FULL.PROUD TO HAVE DEALT WITH MY DEBTS :jDON'T LOOK AT THE STAIRCASE, JUST THE 1ST STEP IN FRONT OF YOU.0 -
Hello :wave: and welcome
DFW Nerd no. 496 - Proud to be dealing with my debts!!0 -
Hello Matthew & Emily - it's great to have you both on the board, so to speak.
Please could you repeat your post on the Bankruptcy sub-forum here, as not everyone on that board comes to this one. Thanks. BSC #53 - "Never mistake activity for achievement."
Consumer Credit Counselling Service (CCCS)| National Debtline| Business Debtline| Find your local CAB0 -
wherediditallgo wrote: »Hello Matthew & Emily - it's great to have you both on the board, so to speak. Please could you repeat your post on the Bankruptcy sub-forum here, as not everyone on that board comes to this one. Thanks.
No problem. I'll do that now to ensure no one misses out!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.0 -
Hi Mathew and welcome, you sure are going to be busy..
a quick one for you (or maybe not), ive been on a dmp with the cccs for just short of two years now, i owe around £55,000 with a monthly payment of £560. i was wondering if most creditors normaly allow the dmp to run without charges and interest for longer periods of say 5-10 yrs untill the dept is clear??..
i ask this as i now may have the equity needed in my home to pay them off thats if i could get a re-mortage whilst on a dmp.
i have a baby due and i am concerned about suddenly having creditors tern on me, i have kept to my dmp and did increase it by 25% in the second year. my biggest creditor is natwest at about 22k what are they like long term..
i have herd that some creditors are changing there policy with debts Royal bank of Scotland being one, which are i think part of natwest
cheers0 -
As you will know creditors are under no obligation to stop interest, although many of them do once you are on a DMP. Without trying to be too vague, I'm not really in the position to say either way as it depends on whether the creditors would or would not continue to freeze the interest for the duration of the DMP as it is completely up to the creditor. Increasing the surplus over time, like you've done before is always a good way in which you are showing willing to the creditors which will always reflect better on yourself!
It maybe beneficial for you to have a review of your circumstances to have a chat about things? It's obviously difficult to look at your situation without seeing the big picture and also the advice we give here cannot breach the Data Protection Act.
Regards,
CCCSHi Mathew and welcome, you sure are going to be busy..
a quick one for you (or maybe not), ive been on a dmp with the cccs for just short of two years now, i owe around £55,000 with a monthly payment of £560. i was wondering if most creditors normaly allow the dmp to run without charges and interest for longer periods of say 5-10 yrs untill the dept is clear??..
i ask this as i now may have the equity needed in my home to pay them off thats if i could get a re-mortage whilst on a dmp.
i have a baby due and i am concerned about suddenly having creditors tern on me, i have kept to my dmp and did increase it by 25% in the second year. my biggest creditor is natwest at about 22k what are they like long term..
i have herd that some creditors are changing there policy with debts Royal bank of Scotland being one, which are i think part of natwest
cheersI 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 -
Hello,
Just a thought... if you have any queries or questions for us it might be worth starting up a new thread, that way we can get a discussion going.
Looking forward to getting to know everyone and being a part of this amazing forum!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.0 -
Wow, fantastic idea to have you guys on board - welcome!
Suspect you might be kind of inundated though...0 -
Hi Guys, welcome to DFW, brilliant to have you joining us!! :T:T:T"I wasn't wrong, I just wasn't right enough.":smileyhea97800072589250
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Welcome to board - I too agree you're gonna be swamped with queries!CCCS DMP:Feb 07
Total:£37,016.47 now £0 DEBT FREE FEB 14
2022 Decluttering Campaign 49/10110
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