CCCS, can they really help?

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Hi Everyone,

Basically in Jan this year I split up with my partner and decided to move out of our home which we have a mortgage on. I am still paying 50% of the mortgage and the house is up for sale. I am currently renting at a friends house whilst my house sells! (which incedently is taking forever).

The relationship left me in a lot of debt arounf £34,000 which up until recently I could just about cope to pay back and still live.

Unfortunately due to the company I work for not doing as well all of my overtime which collates for around £11,000 was completely cut throwing me into a complete mess. So there's my background just to get everyone in the picture.

I have an appointment with the cccs this friday and what I want to know is what they can actually do to help and whether my creditors will happily deal with them?

Any info would be greatly appreciated as i've come out in a major stress rash! :rotfl:
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  • ffs
    ffs Posts: 292 Forumite
    First Post First Anniversary Combo Breaker
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    Yes, they can help. They provide pragmatic advice, as well as actually running a DMP on your behalf, if that is the chosen course of action. They are free and professional in the service they offer.

    It may take some months before some your creditors accept payment proposals, but most major lenders actually have a CCCS liaison department and will take you more seriously (in other words listen to you more carefully) once you can quote your CCCS client ref number.

    Make sure you have all your homework done before Friday, specifically you budget plan, or you will simply delay their ability to assist you.
  • strawberries_2
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    !!!!!! wrote:
    Yes, they can help. They provide pragmatic advice, as well as actually running a DMP on your behalf, if that is the chosen course of action. They are free and professional in the service they offer.

    It may take some months before some your creditors accept payment proposals, but most major lenders actually have a CCCS liaison department and will take you more seriously (in other words listen to you more carefully) once you can quote your CCCS client ref number.

    Make sure you have all your homework done before Friday, specifically you budget plan, or you will simply delay their ability to assist you.

    that's great news, I've already done a budget and worked out every penny I owe and everything. thanks for the advice
  • Turning_into_scrooge
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    They certainly helped me. They deal with more or less everything. I pay them a lump sum on the 1st of every month by DD and by 25th of the month all my creditors have been paid. They worked out the budget for me, things i didnt budget for such as glasses, hair cuts clothing etc they gave the amounts for. The also gave me an allowance for food which i didnt have before as it was a case of when i have spare cash i went to the supermarket, things were pretty bad, my food allowance i tend to halve due to leaning to do without which i actually save. If i have a problem with a creditor they tell me how to deal with it and what to do but basically they have taken all the stress and worry off me totally. My debt counsellor keeps in touch with me by email to check alls well and i can mail her any time i need to, she also phones to see if the DMP is working or if we need to cut back or increase it which i am about to do. So yes go ahead with CCCS, if i came into an amount sufficient to pay off all my creditors and have some left i would donate an amount to them for their servises as they are a free charity and the only money they make out of their clients is from the interest that goes into the account to be shared out between the creditors which is probably a few pennies from each persons DMP.
  • tinalives
    tinalives Posts: 903 Forumite
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    Wow! What a fantastic service!!
  • Turning_into_scrooge
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    tinalives wrote:
    Wow! What a fantastic service!!

    They have been for me, an absloute life saver :D
  • strawberries_2
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    They certainly helped me. They deal with more or less everything. I pay them a lump sum on the 1st of every month by DD and by 25th of the month all my creditors have been paid. They worked out the budget for me, things i didnt budget for such as glasses, hair cuts clothing etc they gave the amounts for. The also gave me an allowance for food which i didnt have before as it was a case of when i have spare cash i went to the supermarket, things were pretty bad, my food allowance i tend to halve due to leaning to do without which i actually save. If i have a problem with a creditor they tell me how to deal with it and what to do but basically they have taken all the stress and worry off me totally. My debt counsellor keeps in touch with me by email to check alls well and i can mail her any time i need to, she also phones to see if the DMP is working or if we need to cut back or increase it which i am about to do. So yes go ahead with CCCS, if i came into an amount sufficient to pay off all my creditors and have some left i would donate an amount to them for their servises as they are a free charity and the only money they make out of their clients is from the interest that goes into the account to be shared out between the creditors which is probably a few pennies from each persons DMP.

    Thats amazing, I feel much better now, just about everything that could go wrong for me this year has and knowing that they will take the stress out and deal with my creditors is great! I think the fact they keep in touch with you by email and phone is really good as you must feel as though you have constant support! Brilliant!
  • seaview_2
    seaview_2 Posts: 8 Forumite
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    I called them last night and they were great! Feel hundred times better already...call them it's the best thing to do at least to put your mind at rest that you are not alone. Good luck.
  • strawberries_2
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    Hey been to my appointment today and in 9 years I will be debt free! Sounds ages but as soon as my circumstances get better I can pay more and bring the term down but I feel a million times better! They are so helpful and they do not judge you or make you feel bad!
  • gunblade_master
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    has anyone got a number or web sir cccs as i think they could really help me.
  • lizastar
    lizastar Posts: 32 Forumite
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    0800-138111 https://www.cccs.co.uk coutesy of Martins site, some time ago. Good Luck
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