Just had good news - hope to all you dfw newbies!!

hillbilly5

:T Its only a month ago that we contacted cccs for help - 58k on cc's, had been keeping up all minimum payments but when mbna upped the interest rates on 2 cards and doubled the minimum payments we were in big trouble! Had been hiding our heads in the sand for some time really, but this was the straw that broke the camels back.

CCCS gave us 2 options - dmp or iva. Plumped for the dmp.

Sent in all the details and have heard back today from Co-op that they are accepting our dmp payments with cccs for the next 11 months at which time they will review!

A month ago, felt really desperate and scared and not sure which way to turn. Contacting CCCS was the best thing that we did and really should have done it earlier. So to all you who are scared about what to do, but know that you can't carry on the way that you have been. Bite the bullet and do it - phone cccs or payplan and start taking control. You really will feel so much better and very soon on the start to a new debt free life!!!!!:j

HHH_2

It's a great feeling isn't it? I've got a CCCS DMP and all the phone calls and letters have stopped and each month I see what I owe going down rather than up. There is definitely a little flickering of light at the end of a long tunnel BUT I am soooo relieved to have CCCS on my side.

rog2

Well done Hillbilly - and HHH :T :T :T

It's just a shame that the Debt Counselling Charities don't get the same publicity as the 'Ambulace Chasing' Vultures who offer to 'solve your debt problems' safe in the knowledge that they stand to make a nice fat fee out of your misfortune, whether succesful or not. :mad:

Long live CCCS, CAB and National Debtline - to name but a few. :T :T

del67

hi There.if it is any help to you me and my wife were 32,000 in debt just 5yrs ago and with the help of cccs we are down to 6,500 and now we can see an end to this.The great thing is is that we pay no more stinking interest to these banks.
spread the word and good luckquote=hillbilly5;discussion/725345]:T Its only a month ago that we contacted cccs for help - 58k on cc's, had been keeping up all minimum payments but when mbna upped the interest rates on 2 cards and doubled the minimum payments we were in big trouble! Had been hiding our heads in the sand for some time really, but this was the straw that broke the camels back.

CCCS gave us 2 options - dmp or iva. Plumped for the dmp.

Sent in all the details and have heard back today from Co-op that they are accepting our dmp payments with cccs for the next 11 months at which time they will review!

A month ago, felt really desperate and scared and not sure which way to turn. Contacting CCCS was the best thing that we did and really should have done it earlier. So to all you who are scared about what to do, but know that you can't carry on the way that you have been. Bite the bullet and do it - phone cccs or payplan and start taking control. You really will feel so much better and very soon on the start to a new debt free life!!!!!:j[/quote]