I did send all of them a letter which I got from CCCS requesting to accept a £1 token my letter was addressed to wecott and Santander seems to know nothing about it. strange how the person I spoke to yesterday said it was all fine and then the person I spoke to today to make an £1 token payment didn’t really seem to care and said CCCS should be making the payments After explaining number of time due to the advice of CCCS I was told to send you a letter of income and outcome and what I can afford etc and CCCS only does DMP with people with £5 each debt company a month which clearly I don’t have and basically she said I had to ring CCCS and get them to pay a payment but she took the £1 token payment. Santander is just doing my head in to be honest, Thank you for that letter, and the added parts I will send it off to wecott/Santander Wish it could be as a simple as getting a letter I got last week saying one of the debt collection companies saying £1 token for 6 months is fine Found it strange how today after sending them letters one of my debt collections companies for capital one has now transferred the debt back to capital one seems a bit odd as not heard from them since sending the letters out on the 9th

Thank you for that I will do that later today when I post out letters Thank you for the template will save it on my computer so I have it stored any advice on the Santander problem? Would it be best to request a letter from Santander to confirm they have accepted the £1 token payment a month for now and for how long etc? Also as above clearly they got the letter as she didn’t seem to harass me for more payment then an £1 token payment Also the other Problem is , Women said nothing about consider freezing interest and charges so that the debt does not increase further also didn’t say how long I pay the £1 token for? As one of the other companies said it would be reviewed in 6 months which suits me fine as that’s one less hassle I have to deal with and gives me 6 months to try and sort things out

I see CCA posted a lot but can you explain what that means and what I have to do? and the only charges I can think of are late payment charges or overdraft charges on my bank?

Hi Was looking for some advice, I recently spoke to CCCS and due to the advice was told to send letters to debt collection companies to offer a token payment per month of a £1 Which I did on the 9th of February I recently got one 1 letter back from one company saying it was fine, send a payment on so and so date and we will review it in 6months so that’s one debt covered for now until the 6month review ive still yet to hear from the others, im guessing they got the letters as ive had no letters or phone calls for some time so im an bit unsure oh what to do The main problem for now is Santander / wescott , I failed to keep up the payments for loan so I was referred to wescott which I sent them a letter also on the 9th which also ive had no calls from nor Santander Until today, Which im a bit confused about as I stated to the lady ive sent letters to wescott her reply was oh we work with wescott but have received nothing. Yes I know I should of sent it recorded postage but at the time I forgot But then she goes on about oh your dealing with CCCS?? Im like yeah I can only often to £1 token a month and then she wanted my CCCS ref number and SHE SAID ALL WAS FINE?? Now that’s where im confused… seems like she already knew them details anyhow. My reply was do you wish to send my income/out come to you instead of wescott address as you got nothing. Her reply was no. just ring us during the week to do the £1 a month So clearly seems the phone call was a load of rubbish, clearly they got the letter as I used to get bombed with calls daily and weekly and its been the first call since week and a half or so ago As I don’t have a home phone. Its going to cost a lot in mobile pay as you go credit to call they number every month, Has anyone dealt with Santander before where im able to set up an standing order or would I just ring them and request they bank details to do so. As in the next 4 months my girlfriend is having a baby and really don’t want to forgot to make a payment late Also would it be best to request a letter from Santander to confirm they have accepted the £1 token payment a month for now and for how long etc? Many Thanks

Just an update I spoke to CCCS and I must say very friendly people and very helpful and basically said I was right to send them a letter with an offer of £1 token payment per month due to being on benefits and a letter saying to freeze interest and charges so that the debt does not increase further. So just the waiting game now I guess to see what letters I will get back, Least I can sleep better now and not worry too much due to the advice I got from CCCS,

Yes that’s all I seem to be getting them harassing me over the phone trying to take payment from me after telling them number of times I have no money and what annoys me is ringing me 24 hours asking later asking if I have any money.. What the heck... come on.. Just makes me laugh to be honest I mean honestly how the heck would I get money or jsa in a day lol? Either when i get job it takes 4 weeks to get paid just getting fed up with the harassing calls myself.. just getting fed up with the calls to be honest, today was a bit stupid i got 3 letters from the same debt collection agencies one was a bill of £416 ,2nd letter said £516 then 3rd letter said £416.. so no idea whats going on and the letter says thank you for contacting us. I aint contacted them. Aint either spoke to them since i told the credit card company i will be sending a letter to information them of my income and outcome. Yep “Cadbury” you are correct they do bully you into paying what i don’t have. I have fell for that trick a few weeks ago and bascally got the story of.. oh we wont charge your account we will just run it though the system and it will check if you have money in your account if it accepts you wont get bank bank charges and my reply was but ill get an over draft fee etc etc and in the end i just gave up. And they took £10 out of my account which in result overdrew me and got bank changes left right and center. Just hope these creditors take the offer of £1 token payment per month as it would give me time to clear a little money towards my overdraft which they bullied me into paying something i didn’t have. And just give me some air to breath and try to get my life on track i wil be ringing the National debtline tomorrow before sending any letters out to see what advice i can get. A DRO or token payment seems to be the best option to me though. Other then asking them to write off the debts but honestly can’t see that happening.

Thank you for the reply, No I don’t bank with one of the companies, I made a new bank account, have no direct debts or stand orders as I thought that was best to do, After reading other posts while I looked around this site after making my post I did find letter templates and read advice and yes £1 token payment per month does seem the best option to take I have wrote a letter out and will be forward to the companies in the morning. Just few more questions... Most of my debts are been forward to debt collection services/ agencies Do I need to send the letters to the debt collection agencies as well or to the creditors? i.e. credit card company, loan company etc one of them I failed to keep up the minimum payment due to the problems in my above post, but the rest I have been telling them I have no money and waiting for benefits to come though and some have been nice in giving me some “space” but now that space gap has gone and all debts have been forwarded to debt collection services/ agencies advice would be much appreciated

Hi I’m currently in debt with roughly £4000-£5000 with loans and credit cards and old mobile phone contract bills. I currently don’t have a job but im looking for full time work or part time jobs everything, I’m currently waiting for my job seekers to be sorted out I’m currently borrowing money to pay one of the debts off £30 a month but I really can’t afford to keep doing that. I was thinking of a debt management plan but the problem I’m having is. My girlfriend is having a baby in 2 months and we want to get our own place though the council due to the fact where we are living is an overcrowded place and we can’t really live there with the baby due to the small bed room we don’t really have a choice but to move. From what i understand when you do an DMP you have to write down your income and outtake from money you get but as i say that will all say in 2 months that will all change and from what reading on the internet it seems to be a pain in the rear end to get debt collections people to accept the new DMP when i change it i do not have many assets was thinking of going for the Debt Relief Orders option which seems to be best for me as im really struggle with paying these debts off am trying my hardest to look for work and if anything changes in the up coming mothns then ill be happy to make any payments what so ever per month but i have sent cvs out and letters out looked on websites for jobs and im struggling at the moment Would a Debt Relief Orders be best for me could you give anything advice on this subject or a DMP? was also thinking of writing to the companys asking to write off the debt or to accept token payments. i suffer with really bad depression and im just really unsure what to do. last time i went to doctors i was signed off for work for upto 5 months till i felt better. then i lost my jobs many months ago due to relationships issues. and then was signed off for 5 months again. dont think if it was for my My Daughter i would of gave up long time ago but seems whatever direction i take im going into a brick wall. i dont have money to either live on these days most of it is borrowed from family friends etc so im really unsure what to do. so any advice would be much much appreciated