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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 20th Oct 08, 11:02 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Ask a CCCS counsellor a question
    • #1
    • 20th Oct 08, 11:02 AM
    Ask a CCCS counsellor a question 20th Oct 08 at 11:02 AM
    The Consumer Credit Counselling Service (CCCS) has several counsellors answering questions in our forum.

    As this thread was so long, we started a new thread so please read part 2
    Last edited by Former MSE Wendy; 25-03-2011 at 10:39 AM.
Page 1
  • CCCS_Sarah
    • #2
    • 20th Oct 08, 3:26 PM
    • #2
    • 20th Oct 08, 3:26 PM
    Thanks for this Wendy.

    As Wendy has advised, please feel free to message any of us.

    We are happy to help!

    Sarah
    I 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.
    • xgingerx
    • By xgingerx 20th Oct 08, 5:13 PM
    • 579 Posts
    • 449 Thanks
    xgingerx
    • #3
    • 20th Oct 08, 5:13 PM
    • #3
    • 20th Oct 08, 5:13 PM
    Hi, I know I have already posted this but Im not getting any advise yet and wondered if you can have a look as Im really worried for her, thkx

    Littlewoods Debt - Urgent Advice Please
    Hi, well my mother in law used to run a littlewoods catalogue as an agent, but had to stop due to ill health, anyway she has about 17 customers and owes around 30k in total, the issue is she has had debt letters from several companies and she tells them that its not actually her who owes the money but they are not having any of it and they wont listen and dont care by the sound of it? She has had signed copies from everyone who owes the money acknowledging they owe it. This is making her more ill and when she spoke to Littlewoods they said they had passed it on ? she has ran the catalogue for 15 years, this is ridiculous. She has told the last lot of debt collectors to take her to court and let the judge sort it out because really doesnt owe this.

    Please help as she is retired and really doesnt need this grief and worry

    Thanks in advance
  • CCCS_Sarah
    • #4
    • 20th Oct 08, 5:41 PM
    • #4
    • 20th Oct 08, 5:41 PM
    Hi, I know I have already posted this but Im not getting any advise yet and wondered if you can have a look as Im really worried for her, thkx

    Littlewoods Debt - Urgent Advice Please
    Hi, well my mother in law used to run a littlewoods catalogue as an agent, but had to stop due to ill health, anyway she has about 17 customers and owes around 30k in total, the issue is she has had debt letters from several companies and she tells them that its not actually her who owes the money but they are not having any of it and they wont listen and dont care by the sound of it? She has had signed copies from everyone who owes the money acknowledging they owe it. This is making her more ill and when she spoke to Littlewoods they said they had passed it on ? she has ran the catalogue for 15 years, this is ridiculous. She has told the last lot of debt collectors to take her to court and let the judge sort it out because really doesnt owe this.

    Please help as she is retired and really doesnt need this grief and worry

    Thanks in advance
    Originally posted by xgingerx
    Hi xgingerx,

    This is something that I have not come across but I am looking into it for you. I will reply again tomorrow with an update.

    Sarah
    I 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.
  • CCCS_Sarah
    • #5
    • 20th Oct 08, 5:52 PM
    • #5
    • 20th Oct 08, 5:52 PM
    Just found some information on this.

    Does your mother in law have separate accounts for each of her customers? Ė if so she would not be liable. I would suggest taking a photocopy of the agreements and sending them recorded delivery to littlewoods.

    If not then your mother in law could be responsible for missed payments and liable for the debt.
    I 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.
  • megisabel
    • #6
    • 20th Oct 08, 11:06 PM
    • #6
    • 20th Oct 08, 11:06 PM
    Hi

    I have done the online debt remedy and it has come up with a DMP of £251 a month towards £27,000 debt

    Are my creditors likely to agree to this arrangement?
  • megisabel
    • #7
    • 20th Oct 08, 11:07 PM
    • #7
    • 20th Oct 08, 11:07 PM
    Thanks in advance!
    • andreweduk
    • By andreweduk 21st Oct 08, 8:57 AM
    • 133 Posts
    • 418 Thanks
    andreweduk
    • #8
    • 21st Oct 08, 8:57 AM
    • #8
    • 21st Oct 08, 8:57 AM
    I'm not sure of the exact figures I filled in on the Debt Remedy on CCCS website, is there any way I can get hold of these figures. They'll help me stick to budget if I know what figures I used
  • scattytracy
    • #9
    • 21st Oct 08, 10:24 AM
    Dmp
    • #9
    • 21st Oct 08, 10:24 AM
    Good morning

    I have a big question, we have been on a DMP with payplan for 18 months now and it is failing miserably added to the fact I have just lost my job, my house is in negative equity and is getting repossessed next month. While the lady at payplan was lovely she didn't seem to be able to offer any advice she told me to fight for the house even though the mortgage payments are far to high, she seemed to be more concerned with getting there partner company to offer us cheaper insurance when I have allready got the cheapest possible on everything! We are in a minus surplus at the moment with the mortgage but if we rented and didn't have any debts we would be able to survive, should we go bankrupt?

    thanks

    Tracy
  • CCCS_Sarah
    Hi

    I have done the online debt remedy and it has come up with a DMP of £251 a month towards £27,000 debt

    Are my creditors likely to agree to this arrangement?
    Originally posted by megisabel
    Hi megisabel,

    Sorry for the late reply.

    This would clear your debts in a reasonable amount of time. There is never any guarantee that the creditors will accept the reduced payments.

    However you need to look at it from another angle Ė if this is all you can afford to pay, they canít have what you have not got!

    Even if the creditors say they are not accepting the payment, the key is not to be disheartened and sent the payment anyway and the debt will start to reduce.

    On a more positive note, all your creditors are aware of DMPís and even if they initially donít stop the interest and charges, once you are Ďup and runningí they are more likely to stop.

    Hope this helps
    I 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.
  • CCCS_Sarah
    I'm not sure of the exact figures I filled in on the Debt Remedy on CCCS website, is there any way I can get hold of these figures. They'll help me stick to budget if I know what figures I used
    Originally posted by andreweduk
    Hi Andrew,

    Have you completed the full process? And been given advice?

    If you have let me know and I will PM you the Debt Remedy Support teams direct number.

    Sarah
    I 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.
  • louloujs
    Hi, I have 3 questions that I would love answers to

    1. I've been in touch with CCCS and I have been sent letters to send to creditors on my behalf as I had no surplus during the first interview. However, I have managed to save/cut back and now have a £150 surplus on a debt of £58k. How does a self-admin dmp using cccs letters compare with cccs doing it on my behalf? Basically, does cccs have more power to negotiate than me?

    2. One of my creditors is HBOS with a card and OD, however, we have an arrangement to pay arrears on our HBOS mortage in place. Is this arrangement in jeopardy with a dmp?

    3. I have a small £200 od facility with Lloyds that I use for emergencies. If I dmp quoting HBOS, will this affect my Lloyds account facility and cheque book availability in the future?

    4. My husband may also have to dmp in the future. Since we have a joint mortgage with HBOS, again, will this affect our arrears arrangement with them. Obviously we intend to keep those repayments going.

    Thanks for any advice you can give.
    Lou
  • CCCS_Sarah
    Good morning

    I have a big question, we have been on a DMP with payplan for 18 months now and it is failing miserably added to the fact I have just lost my job, my house is in negative equity and is getting repossessed next month. While the lady at payplan was lovely she didn't seem to be able to offer any advice she told me to fight for the house even though the mortgage payments are far to high, she seemed to be more concerned with getting there partner company to offer us cheaper insurance when I have allready got the cheapest possible on everything! We are in a minus surplus at the moment with the mortgage but if we rented and didn't have any debts we would be able to survive, should we go bankrupt?

    thanks

    Tracy
    Originally posted by scattytracy
    Hi Tracey,

    It would be really hard to say via the forums as I donít have your full details.

    There are a couple of different factors for you to take into account when you are considering bankruptcy.

    The first thing would be to let the dust settle and take a step back to look at the whole picture to consider the following points.
    • What would your budget look like once youíre in rented accommodation i.e. how much surplus is there to offer the creditors?
    • How long would it take you to clear the debts with this surplus Ė including any shortfall from the house?
    • What line of work are you looking to return to?
    • What income would you be on then?

    From the information you have given, it does seem that you are struggling with your DMP so I would advise you call Payplan and ask for a review. This may mean, if there is not enough surplus to pay you creditors, they may close your plan. If they do this, you would just need to make token payments until your situation improves.

    Let me know how you get on with your review and give me a shout if you need any help with anything.
    I 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.
  • CCCS_Sarah
    Hi, I have 3 questions that I would love answers to

    1. I've been in touch with CCCS and I have been sent letters to send to creditors on my behalf as I had no surplus during the first interview. However, I have managed to save/cut back and now have a £150 surplus on a debt of £58k. How does a self-admin dmp using cccs letters compare with cccs doing it on my behalf? Basically, does cccs have more power to negotiate than me?

    2. One of my creditors is HBOS with a card and OD, however, we have an arrangement to pay arrears on our HBOS mortage in place. Is this arrangement in jeopardy with a dmp?

    3. I have a small £200 od facility with Lloyds that I use for emergencies. If I dmp quoting HBOS, will this affect my Lloyds account facility and cheque book availability in the future?

    4. My husband may also have to dmp in the future. Since we have a joint mortgage with HBOS, again, will this affect our arrears arrangement with them. Obviously we intend to keep those repayments going.

    Thanks for any advice you can give.
    Originally posted by louloujs
    Hello,
    • There is no difference really. With a dmp it would just mean that you would make one payment to ourselves and we would distribute this on a pro rata basis on your behalf.
    If you were on a self-admin dmp, we would give you all the copies of the budget and everything you need to agree this directly with your creditors. We would still be there for all the help and support if you had any questions.
    • Your Mortgage will always be treated as a priority in your budget and you would continue to pay this as normal with extra for the arrears.
    • If you had an OD with Lloyds, you would need to open a basic bank account with another bank where you have no debts. If you use this for certain items ie house repairs- these items need to be built into the budget rather than using credit to support them.
    • Again your mortgage is a separate account and is treated as a priority. If your husband also has debts, you may wish to look at a joint budget now. As from past experience by taking both your debts together this could reduce the term you are paying the debts over. Currently paying £150pcm towards £58,000 a DMP would not be your best option as it would take around 32 years to repay if there were no changes to your circumstances.

    If you have anything else let me know
    I 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.
  • louloujs
    Sarah, thank you so much for this information.

    Think I will go for the self-admin dmp as circumstances are likely to change. We have a lot of property with equity, although the credit crunch has scuppered our refinancing to release some of it to clear debts so far (hence the difficulties), we are likely to be able to release some equity from a sale in about 3/4 months and I will then be able to clear a reasonable chunk of debt.

    Thank you again, I'll get those letters off today.
    Lou
  • louloujs
    Sorry, Sarah, there was one more thing - if I don't use the overdraft facility at Lloyds, or ask them to remove it - will this mean I can stay with them? How will they find out about the dmp? Just don't want them to take money from the account to clear potential HBOS related debts.
    Lou
  • CCCS_Sarah
    Sarah, thank you so much for this information.

    Think I will go for the self-admin dmp as circumstances are likely to change. We have a lot of property with equity, although the credit crunch has scuppered our refinancing to release some of it to clear debts so far (hence the difficulties), we are likely to be able to release some equity from a sale in about 3/4 months and I will then be able to clear a reasonable chunk of debt.

    Thank you again, I'll get those letters off today.
    Originally posted by louloujs
    Thatís great news!

    Donít mention the sale of the property to your creditors just yet and come back for a second appointment closer to the time. There will a couple of different options you could use depending on your circumstances i.e. full and final settlement or lump sum IVA

    Fingers crossed for you!
    I 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.
  • CCCS_Sarah
    Sorry, Sarah, there was one more thing - if I don't use the overdraft facility at Lloyds, or ask them to remove it - will this mean I can stay with them? How will they find out about the dmp? Just don't want them to take money from the account to clear potential HBOS related debts.
    Originally posted by louloujs


    If you pay the £200 it would mean that Lloyds have received £200 more than the other creditors, and this would be classed as preferential treatment.

    If this is not included in your budget, call for another appointment and we will add this in your budget and work out the new pro rata figures for you.
    I 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.
  • louloujs
    I'm not using the facility at the moment so there is nothing to repay or to include in figures. I'll make sure I don't use it or just remove it from the account, that's probably the safest thing.

    Thanks again
    Lou
  • CCCS_Sarah
    I'm not using the facility at the moment so there is nothing to repay or to include in figures. I'll make sure I don't use it or just remove it from the account, that's probably the safest thing.

    Thanks again
    Originally posted by louloujs
    You will be fine to just close it in that case.

    Sarah
    I 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.
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