Cccs

RustyFlange

Ok so please be nice ...

Are CCCS completely free? and do they actually help?

jillie1974

yes they are free!! and are bl00dy fantastic!!!
have helped us so much its unreal!! would not be where we are today without them!

RustyFlange

Hi Jillie,
Thanks for the post. How do they work? I remember helping an ex of mine sort out his finances with them a couple of years ago but they may well have changed now

Numpty_Monkey

Yes they are totally free , and just starting with them and need to get my !!! into gear

poorandindenial

Hi Rusty and welcome to the board

With CCCS you can do a bit of the process online, it is on their website and called debtremedy, it helps you see what your options might be. CCCS are well throught of in the main and Martin allows them to post on this site (you can identify them because they have a username that starts with CCCS_)

Here is a link to other free debt advice agencies:

http://www.moneysavingexpert.com/loans/debt-help-plan#help

jillie1974

its a phone call initially, this was my LBM... i actually confessed to oh how bad our debt was while walking around George at asda:eek:...digressed a bit...
ok a phone call initially, they will arrange a appointment to call you back (bout 10-14days) when they will go through all your finances. so you need your most recent banck statement and bills. also payslips for you / and partner and any extra income you may get ie tax credits, benefits etc
they will work out what you owe and what you take home ie wages, then work out what you can afford to pay back. ( i was quite surpised with this cos even tho there are just the 2 of use we are budgeted to spend £218 a month on food and cleaning stuff)
then they will send you a pack, they work out how much you will pay every creditor a month, you pay cccs and they pay the creditors then!
easy peasy
thier web is https://www.cccs.co.uk

there is a lot more info there
ask me any qs you have tho

Bunnyinthelights

They are brilliant. Saved my life

Ames

I didn't find them helpful but loads of people on here have, I think I'm definitely in the minority! But my circumstances are a bit unusual.

So_Sad_Angel

Hi,

CCCS are great however long waiting list for appointments...if you need immediate free advice try the Nat Debtline as well...also a charity as seen at the top of this forum. I have copied below.

All are fab & no need to pay for unbiased advice!!

Cheers Angexx

Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
National Debtline - Website: National Debtline Telephone: 0808 808 4000
Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest

THE_LONE_RANGER_4

must admit they were helpful when i was in debt but to be honest they did say go bankrupt as you do not own your home and liv in a sitting tennant property also my car was 8 years old so it wouldnt affect me that much.
not the option i chose.

RustyFlange

Thankyou for the replies, I have emailed a link to the site to someone I think it could help, its in their hands now. I doubt bankruptcy would be an option as he owns his own house (well paying morgage)