DMP review with CCCS

spendthrift66

Hi

Can anyone tell me what happens when you have a telephone review with CCCS?

Do they ask for you to send in evidence of your pay etc again? I ask because my pay has been higher than it was at the start of the DMP but I haven't let them know (or paid more into the plan) as I have had horrible and unexpected expenses which has drained all my extra money. I also don't really want to pay more to the creditors yet ... that might seem naughty but I want to get used to things.

So, do theya sk for evidence or can I just say income is the same?

Thanks (and please don't tell me off, things are harder than I thought at the moment).

S

hitback

You really need to be honest when you have a review, at the end of the day and ideally you probably want to get rid of your debt asap, and CCCS were brilliant with our review, they gave us really helpful advice on ways to save money. Expalin to them that you have higher expenses, they are well aware about things such as fuel increases and the cost of living in general. At the review they will go over your SOA and look at ways in which you could save money. There are people from CCCS who reply on this Forum so someone may be along shortly to help you, please don't worry about this.

spendthrift66

Thank you. I just didn't want to tell them I was earning more, when in fact, even with that - I can't live on the budget they give me.
Thanks for the advice though.
s

CCCS_Sarah

Hi Spendthrift,

When you have a review with CCCS they look at all your income and expenditure. We know that day to day cost are always changing and we need to pick these up in your review to make sure that amount you are paying is still an affordable amount. We need to make sure all the figures in your budget are correct so we can give you best advice and help you get out of debt ASAP. If you have unexpected costs that are not covered in your budget give CCCS a call and then we can help you out, it maybe we can find some money in your budget so you don’t struggle.

Good luck with your review

Sarah

spendthrift66

Thank you very much Sarah. As I said, I don't want to wriggle out of any of my repsonsibilities but I am fining it impossible on the budget - even though I am earning more. I shall talk it over with the person and be honest I guess.

Another question I have is, is one able to add another creditor? Or does it have to be done at review?

Thanks again.
S

CCCS_Sarah

This is something again you would need to talk over on your review as i dont have your details it's hard for me to advise

Broken_hearted

You should have some fleaxbilty for savings incase of emergancies.