CCCS

[marshallka]

Re: CCCS

I'm really hpoing my stepdaughter will live up to her promise and come up with the IE sheet tomorrow. Without knowing exactly what we're tackling it's very hard to try to help. She's taken the right first step in letting us know the situation and has obviously already sought sound advice from CCCS, but there are some questions already there - these may increase in number when I see the IE sheet, so thanks for the other ways of contacting them everybody!

Good luck then Casper.

[di30]

Re: CCCS

I'm really hpoing my stepdaughter will live up to her promise and come up with the IE sheet tomorrow. Without knowing exactly what we're tackling it's very hard to try to help. She's taken the right first step in letting us know the situation and has obviously already sought sound advice from CCCS, but there are some questions already there - these may increase in number when I see the IE sheet, so thanks for the other ways of contacting them everybody!

With a loving supportive dad like you Casper, I'm sure she will get through this.
Good luck from me too. X

[Pinky69]

Re: CCCS

I'm sorry but I am not a fan of CCCS based on personal experience. They are sponsored by the banks and he who pays the piper calls the tune. They will not help you if legal action is threatened and if you pay a debtor in the plan off they will close the plan, on the basis that all creditors should be paid on a pro rata basis and to pay one off in preference to others is unfair. That ideal is fine until your home is threatened and CCCS won't help you if you lose it. They suggested I get an IVA which an IVA adviser told me wasn't suitable for me. There is nothing they do that you cannot do yourself and they don't always manage to get interest frozen. In my final year with CCCS, 2007, the statements were a shambles. I left the programme and discovered that my debts had been transferred to DCAs umpteen times without the CCCS informing me who they were paying. I had a phone call from CCCS when I informed them I was closing the plan to ask me if I realised that if I left the plan my creditors would add interest to the debts. This was clearly meant to get me to stay in the plan so the banks could get paid - my creditors had never stopped adding interest, which I discovered when I got the final statement. Leaving CCCS was the best thing I ever did - I would have been paying debts from here to eternity if I hadn't. I sent CCA requests to all my creditors, negotiated settlements and got £48000 of debt written off. Today I am debt free and 7 defaults have fallen off my credit reports. Three defaults remain and are with the ICO but I am not bothered if in the end I lose as I don't need credit for anything. My mortgage and all my bills are up to date and my car is paid for. CCCS are fine for taking the heat off once the proverbial hits the fan but in my experience they are not a long term solution to debt.

[The Debt Star]

Re: CCCS

Pinky, there's always been something about your posts and advice that I like and respect.

Casp, do listen to Pinky.

My experience of the CCCS is not wonderful. Also Chalkitup has had a bad experience, they ditched him when he couldn't afford his plan. in my case I found that the CCCS were a good short term help but in the longer term were intrusive (when i sold my house they tried to get me to pay the creditors with the equity, for example).. Also, when I went on a DMP with them a lot of the creditors auto defaulted me which screwed up my credit.

[bigdes1]

Re: CCCS

I'm sorry but I am not a fan of CCCS based on personal experience. They are sponsored by the banks and he who pays the piper calls the tune. They will not help you if legal action is threatened and if you pay a debtor in the plan off they will close the plan, on the basis that all creditors should be paid on a pro rata basis and to pay one off in preference to others is unfair. That ideal is fine until your home is threatened and CCCS won't help you if you lose it. They suggested I get an IVA which an IVA adviser told me wasn't suitable for me. There is nothing they do that you cannot do yourself and they don't always manage to get interest frozen. In my final year with CCCS, 2007, the statements were a shambles. I left the programme and discovered that my debts had been transferred to DCAs umpteen times without the CCCS informing me who they were paying. I had a phone call from CCCS when I informed them I was closing the plan to ask me if I realised that if I left the plan my creditors would add interest to the debts. This was clearly meant to get me to stay in the plan so the banks could get paid - my creditors had never stopped adding interest, which I discovered when I got the final statement. Leaving CCCS was the best thing I ever did - I would have been paying debts from here to eternity if I hadn't. I sent CCA requests to all my creditors, negotiated settlements and got £48000 of debt written off. Today I am debt free and 7 defaults have fallen off my credit reports. Three defaults remain and are with the ICO but I am not bothered if in the end I lose as I don't need credit for anything. My mortgage and all my bills are up to date and my car is paid for. CCCS are fine for taking the heat off once the proverbial hits the fan but in my experience they are not a long term solution to debt.

48000 written off,well done u iam on a plan wiyh them at the moment.just had a budget review and had to lower my payments. due to my work found them very un helpful this time,i was just wondering if i was ever able to offer fand f settlement.would it be better to take it on myself as opposed to the cccs..

[Pinky69]

Re: CCCS

Yes, do the F&Fs yourself and you are then in charge of laying down the conditions for payment so it is legally watertight and they don't come back to you. Also, you can then do them one at a time t a time that suits you when you have the money. Keep in mind that the DCAs are losing money hand over fist and where the debts have been sold on, the new DCAs bought them for next to nothing. They will be happy to accept 10p in the £1 as they are still making a profit.

[di30]

Re: CCCS

I know I mentioned the CCCS in my above post, but these were someone we did go to at the time in need, and i know many use them like other free debt organisations, but if you've nowhere else to go where we did not at the time, its useful, however please read below........

When me and hubby went into difficulties, we did seek advice and help through the CCCS, but we continued to get on with it ourselves, what they did do for us was work out the expenditure and sent template letters for us to send to creditors, but we did not have a plan with them as such, we worked this out for ourselves and did not end up using all template letters they sent, in my opinion, although they can be useful, but creditors are used to receiving the same looking letters, and i think its best to make it your own with your own individual personal reasons, but they are okay to give you ideas and make sure nothing is missed.

We are now finally getting back to the straight and narrow now that my hubby started new employment early this year, thank goodness, as it was down to his and another 399 workers that lost their jobs, just days before xmas in 2007, as the steelplant closed down and went into administration.

I agree with the others here, if you can have a go yourself, of course with help from this site you will soon get it sorted, with your own efforts made too.

Good luck.