cccs are worse than mbna

[lordi234]

rang cccs up today to give them my budget plan to work out how much to give to creditors, now snag 1 i asked them to tell MBNA to stop the intrest they said no they cant so i said look im paying £20 a month and not paying the debt off the women told me well we will send your budget plan to MBNA basically a waste of time asking.

this next snag she sounded like those at MBNA i see in your last budget your spending 55 a month at work i said i need that its for dinners at work , she said can you cut down come on every 1 food in my mouth is important than credit debt.

i think they employ any didly donk at cccs .....

[sequenci]

Originally Posted by lordi

i think they employ any didly donk at cccs .....

er no,

They are quite right, £55 a month is way too much. The industry follows guidelines called The common financial statement, this outlines what figures are reasonable for items such as housekeeping, travel etc. CCCS's gudelines fit within this criteria. I can tell you that the maxmum we would allow for meals at work is £1.50 a day, per person and that this figure would also alter your total housekeeping budget.

by the way, i don't work for CCCS

[lordi234]

so ive got to starve just to pay my debt off
then creditors like MBNA still ignore the statements ringing me for more money ect think ur as bad squeezing money people havent got , what can you get for £1.50 rent council tax food, come first ..

[blazing-badger]

No, you haven't got to starve. You've just got to stop spending £55 just on meals at work.

[sequenci]

Originally Posted by lordi234

so ive got to starve just to pay my debt off
then creditors like MBNA still ignore the statements ringing me for more money ect think ur as bad squeezing money people havent got , what can you get for £1.50 rent council tax food, come first ..

no you do not have to starve.

this money for food at work is in addition to your housekeeping budget, which of course is mostly made up of food.

how much did you put down for housekeeping? how many people in your household? how many adults/children?

[lordi234]

i live with girlfriend but she as nothing to do with my debt.

so housekeeping whats it include.

[jonni2bad]

I have to agree here - I think the sums mentioned are unrealistic.

Is there some reason why you can't buy food in your 'weekly shop' and then make something to take to work each day? Sandwiches etc, maybe even cooked food which is then frozen in portions?

This might sound petty, but you also do have an obligation to make the most of available funds. I am still paying reduced amounts to my creditors after several years and the help that the CCCS gave me initially was first class.

[sequenci]

Originally Posted by lordi234

i live with girlfriend but she as nothing to do with .

that is appreciated, however becuase you make up a household just by her being there will have an impact on how much YOU pay for the various household bills.

If the DMP is in your sole name then you should include half of the various figures.

so if your housekeeping is say £250, your share would be half that.

[lordi234]

yer i know what your saying at work i have been having my dinner at a cafe not every day just mondays and thursdays , i started with sarnies which tinned meat ect is cheap at farmfoods ect , must admitt its dear eating out , also eat cheap cornish pastes gingsters from morrisons they do good deals b4 closing time ie roast chickens £1.50 .
i dond mind doing a budget its that when MBNA are the only creditor that wont listen to cccs ect.. why should i pay them when its dead money..

[sequenci]

MBNA are notoriously difficult to deal with, even when challenged with things like the OFT guidelines. I assume you are partaking in the mass complaint about MBNA that is currently on the MBNA forum?

[lordi234]

Originally Posted by sequenci

MBNA are notoriously difficult to deal with, even when challenged with things like the OFT guidelines. I assume you are partaking in the mass complaint about MBNA that is currently on the MBNA forum?

i want to join dont like idea of giving my acc no out ..