We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
CCCS DMP versus Personal DMP
hbslc
Posts: 252 Forumite
CCCS have sent me my income & expenditure to forward to my creditors with a pro rata repayment agreement for them to consider.
I spoke with a debt collector, DLC, today after they'd been chasing me and advised the agent that I will be sending this to them.
We argued that I didn't have a CCCS DMP that I'd only contacted them for advice. I asked what the difference was and didn't get a real answer. This is probably me being a clever ****.
But I was wondering if there is a difference between a CCCS DMP & a personal DMP? Are creditors more likely to agree with CCCS than with individuals?
I spoke with a debt collector, DLC, today after they'd been chasing me and advised the agent that I will be sending this to them.
We argued that I didn't have a CCCS DMP that I'd only contacted them for advice. I asked what the difference was and didn't get a real answer. This is probably me being a clever ****.
But I was wondering if there is a difference between a CCCS DMP & a personal DMP? Are creditors more likely to agree with CCCS than with individuals?
Debts at 02/02/20: c£225,000 inc CCs of <£1000 repaid in full monthly
Debts at 14/07/10: £278,091 inc £24k unenforceable and £16k consumer debt. But House no longer derelict!!!
LBM: 14/08/07; Debt at LBM: £287131 inc CCs: £37,202.55;
0
Comments
-
HI
I have found it much easier to have CCCS on my side, but it's really up to you - various people have had successful DMPs on their own. I think for me I am enjoying the security of being able to ring the CCCS for advise and help when I'm in a state!
I'm sure others will have other views.
Sea xxxxCCCS DMP:Feb 07
Total:£37,016.47 now £0 DEBT FREE FEB 14
2022 Decluttering Campaign 49/10110 -
It depends on your personal situation really.
My father is on a DMP and he's self employed so I'm self-administering it for him as it's much easier with his changing income.No longer using this account for new posts from 20130
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.8K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.8K Work, Benefits & Business
- 603.3K Mortgages, Homes & Bills
- 178.2K Life & Family
- 260.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards