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!
What do CCCS do? can they help my situation
donnadoo515
Posts: 84 Forumite
Hi,
Well i now have no choice but to contact these as it's been established that i am paying out more than what is coming in.
The chrunch point was today when i received a final demand for payment from HSBC regarding my loan, In total i owe £7219.45.
I rang them up to arrange a repayment plan and they wanted to go through my expenditure.
After being on the phone for an hour, the conclusion came: "Your outgoings are more than your incomings therefore we cannot offer you a repayment plan"
Great :mad:
This leaves me in deep doodoo, i asked what happens now and they told me that unless the final demand is met within 28 days then the debt will be sold on and i would have to make other arangements...whats to say these arn't going to be so helpful?
Anyway, i was advised to conact CCCS and do my bidget online, i have done this and now i have been told to call them with my ref number....what do they do next? i just need to know?
Anyway...hope someone can help me please
Thanks
Well i now have no choice but to contact these as it's been established that i am paying out more than what is coming in.
The chrunch point was today when i received a final demand for payment from HSBC regarding my loan, In total i owe £7219.45.
I rang them up to arrange a repayment plan and they wanted to go through my expenditure.
After being on the phone for an hour, the conclusion came: "Your outgoings are more than your incomings therefore we cannot offer you a repayment plan"
Great :mad:
This leaves me in deep doodoo, i asked what happens now and they told me that unless the final demand is met within 28 days then the debt will be sold on and i would have to make other arangements...whats to say these arn't going to be so helpful?
Anyway, i was advised to conact CCCS and do my bidget online, i have done this and now i have been told to call them with my ref number....what do they do next? i just need to know?
Anyway...hope someone can help me please
Thanks
Total Debt Amount June 2015:£14,034.22
Which will come down the quickest...weight or debt??? :rotfl::rotfl:
Debt free date 31st May 2025 (my 42nd Birthday :eek:)
Proud to be dealing with my debts
0
Comments
-
I'm not able to help with CCCS info, but someone will be along soon who can give you some more help.
Why don't you post your SOA on here & see what the other DFW's can suggest?
See MSE Andrea's sticky for newbies for how to do that - it's basically what you'ev put together for CCCS.
Floss x0 -
If I remeber correctly from my CCCS DMP i received a pack to fill in sent it off with all the income and expenditute and totally up to date debts. then I received a paying in slip for my first few months payment until i set up a DD. It was all pretty painless, I have spoken to them on the phone a few times as well and they have always been very helpful. dmp running smoothly interest on all stopped debt going down.hope that helps0
-
that really helps, thankyou...
Do they charge for this??Total Debt Amount June 2015:£14,034.22Which will come down the quickest...weight or debt??? :rotfl::rotfl:Debt free date 31st May 2025 (my 42nd Birthday :eek:)
Proud to be dealing with my debts0 -
Hi Donna,
It’s nothing to be worried about it will be that some more information is needed before we can advice on the best solution for yourself. Give the number a call and if you have any further questions give me a shout
SarahI 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 -
No CCCS is totally free
No longer using this account for new posts from 20130 -
Sorry missed your other post! As Gemmzie said it is freeI 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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.4K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards