CCCS help

Scotsgirl

Hi people been browsing a while now and gained lots of advice and tips which are a big help at this time :T

OH has credit cards which due to decrease in salary is having difficulty in paying and have contacted CCCS and have an appointment with them in October. Am currently in the process of completing necessary paperwork but the question I want to ask is as the credit cards are in my OHs name do I have to become involved at all or can he just go it alone if you get my drift.

Don't know if I am making myself very clear here but any help would be greatly appreciated.

Scotsgirl

tattooed_lady

Hiya,

I think I know what you mean!

If all the credit card debts are in his name then it won't affect you if he goes to CCCS.

The only prob would be if you have any joint debts in both names eg mortgage which would associate you with him on your credit report, this would cause difficulty for you to obtain credit if he goes on to default with his credit cards.

Does that make sense??

Scotsgirl

Thank you for your reply and it does make sense

We have a joint mortgage and a secured loan as well which I pay off my income

Do I have to give my income to the CCCS?

Obviously even though they are in his name I want to help financially to get this sorted but am unsure whether or not my income should be put forward to the CCCS
or would it be better him dealing with it on his own income

Sorry do not not know how else I can explain any better

Thanks in advance

tattooed_lady

Hi scotsgirl,

If all the debts are in his name then the DMP (Debt Management Plan) will be in his name.

Are you up to date with the joint debts, ie your mortgage and secured loan? If so then you do not have to be involved as such but as you are living together it will affect your credit file because of the association (you are living at the same address).

They won't take your income as such, what they will do is set up a regular monthly payment from your OH's bank account to them which they will then distribute to his creditors.

Your best bet is to give them a ring and just clarify where you stand, good luck

Scotsgirl

Hi ruyareece

Up to date with mortgage etc and yes we are living at the same address.

A big thanks for taking the time to reply and appreciate the advice given.

Was going to give them a call but their line is always busy but will keep trying.

Scotsgirl

alsavs

Hi scotsgirl.

Its just a thought you could always e-mail your question.
contactus@cccs.co.uk

mattp_3

Just a though but you could always try:

https://www.payplan.com - 0800 716 239

or

https://www.nationaldebtline.co.uk 0808 808 4000

You might be able to speak to someone straight away??

Xbigman

Here's a slightly different answer to your question.

How you pay your bills can have an effect if one of you pays all of some and none of others. Likewise the more serious the debts are being underpaid, the more your income becomes important. Third point, how close are you? Do you consider this 'his' problem or a 'joint' problem (thats nothing to do with legal responsibility but to do with sharing lifes problems). Lastly. Have you benefitted from his debts? IE, he bought the family car with a loan but you use it too (just an example).

I would suggest the way to do it is to work out his budget assuming he pays half of everything (except any loans purely in your name) and see where that leaves you.

AND

Workout a budget starting with your joint income total and paying everything from that total.

That will show your your exact position and give you a guide to how your should proceed.
Regards




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