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    • That depends, we don't know for certain that 90% of the debts can be written off as dbx states, that's supposition. If he wanted to apply for insolvency and keep his HP car, an IVA may have been the only option.
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    • I have only been helping him since Creditfix     and the IVA,  so nothing of his comes here, I only helped as I have a computer and he is pretty useless   I have enough to sort out of my own atm,, 
    • Give answer here   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 16 Sept 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -    ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. By an agreement between Clydesdale Namk plc & the defendant on or around 13/9:2016 (‘the agreement’) Clydesdale Bank plc agreed to issue the defendant with a credit card.  The defendant failed to make the minimum payments due.  The agreement was terminated following the service of a default notice. The agreement was assigned to the claimant.  The Claimant therefore claims  1.4200.  2.costs   (exact amount left rounded as requested)   What is the total value of the claim? 4200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card    When did you enter into the original agreement before or after April 2007 ? After April 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Give answer here   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not sure   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser has debt   Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Very ill last year and additionally broke my shoulder meaning  3mths off work, salary dropped radically   What was the date of your last payment? Sept 2019ish?   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No What you need to do now.    Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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info: CCCS PAYPLAN experiences


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Hi all,

 

Would like to know of anybodies experiences and problems when dealing with these organisations. Also what resolutions you found to any of the problems you came across.

 

Thanks :)

 

Sharpman

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Hi Sharpman,

 

To my knowledge these are decent enough companies that help many people...

 

Maybe if you are more specific to your problem others may comment?

 

Penfold

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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Payplan have been great as far as my debt is concerned I have £26,000 over 5 lenders all sorted out with one managable payment. All the interest has been frozen to, which does make me laugh as I did ask 3 of the lenders for a consolidation loan with roughly the same monthly payments as I make now and they all refused so I get debt free sooner and they get less of my money! :)

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Got turned down by Both companies.

 

Because my free cash was less than £100.00 payplan didn't want to know.

When I gave revised figures to CCCS, also below £100.00 they also did not want to help me.

 

CCCS were 'kind' enough to send me a pack of letters and their I&E sheet with suggested Pro rata payments. then sent me on my merry way with a suggestion to call back if my cash flow is any better.

 

Now if they weren't willing to take me on due to the low sum for any particular reason - perhaps they thought that creditors would not play ball. Then how would they expect lowly old me with no backing at all (apart from this very informative and helpful site (due to me finding this site things, at the moment don't look so grim) supposed to persuade them.

 

But at least CCCS were a little helpful in that respect.

 

Payplan didn't even ask for a full expenditure sheet. they asked income, and council Tax. then that was it, sorry guv you're not affluent enough (filled the rest in according to government guidelines (did not divulge what these were)). so I don't even know what free cash they have me down for.

 

Payplan suggested I remortgage for an even higher mortgage and get into even more debt. which is all well and good for a quick fix, but then i'd be just as bad off, because i'd have a bigger debt with a bigger danger of losing my house altogether if I couldn't keep up the bigger payments.

 

Any way thats by the by.

 

Sharpman.

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Well def do not remortgage to secure unsecured debts!!!

 

I assume you have CCAed the debts to check they are all enforceable? Have any gone to CCJ yet?

 

You are in the right place to get help right here anyway...This is not our jobs that's all...

Penfold

(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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Yeah, started the process.

Sent them off after I contacted CCCS a week or so ago.

Had the usual default letters from the DCAs.

Sent my offers of Pro Rata for the duration upto the 12th day to confirm CCA posession.

 

I've had to hold fire on NATIONWIDE Credit Card and Overdraft as I've just opened a basic account but don't have a card to draw out yet. (just got a letter to advise me another load of interest and charges being applied.):(

 

Currently going thru process of contacting relevant people to change details over. ie all the ones who are paying in .:)

 

it's a waiting game now.

 

Sharpman.

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Each company has slightly different policies... however, IMHO I think although CCCS and PayPlan may accept different people, their level of service is roughly the same.

 

Got turned down by Both companies.

 

Because my free cash was less than £100.00 payplan didn't want to know.

When I gave revised figures to CCCS, also below £100.00 they also did not want to help me.

 

.

 

IIRC, The citizens advice bureau will do DMPs for people with under £100 disposable; worth contacting them.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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How much is the debt?

 

Combined Unsecured debt of a little over £20,886

comprising credit cards, overdraft, and Catalogue. :(

 

My original free cash figure was £174.00 but I gave the wron figure for my take home pay.(gave a figure that included Overtime that is not guaranteed)

 

which made my figure a little shy of £90.00 free

 

This is when CCCS baulked on me. :mad:

 

Sharpman.

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I was paying the CCCs £250p/m until my wife lost her job. She now earns less in her new job and the income review suggested that we too could only pay £90 and they would'nt normally act for clients for less than £100. they could'nt have been more helpful in that they swapped a few figures around and made it fit really........Just making the £100 limit. And will continue for a year then review.

 

The only complaint I would have with them is that they will not stop payments to disputed accounts.

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My DH phoned CCCS when he first got into trouble with repayments after taking a personal loan out with HSBC joint account without my permission. CCCS would not take put him on a DMP because he only had about £30.00 excess funds after essential expenditure. During his phoned interview the counsellor suggested putting our house up for sale although there isnt a great deal of equity in it. They then suggested that I put my excess income into the pot and basically default on my credit cards so that everyone of the debts would get something. At the moment I am CCAing all of my DHs creditors just to give a bit of breathing space. I will then think seriously about a DMP plan but possibly trying it on my own first.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Payplan and CCCS both have a minimum threshold of £100 for surplus income. CCCS do have a 'low-start' DMP available which can start from £50/month but you would have to be able to up your payments to £100 within the first 6-12 months.

 

For folks that don't have the £100 surplus you could liase with your creditors yourself although I appreciate it can be an uphill struggle. If you wish to enlist the help of a CAB PLEASE make sure you seek an appointment with a trained 'Money Adviser' as the lay advisers (as much as they do a fine job) do not have the specific training to assist you.

 

You can find a great deal of help, budget sheets, sample letters and a great self-help guide at National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

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Payplan and CCCS both have a minimum threshold of £100 for surplus income. CCCS do have a 'low-start' DMP available which can start from £50/month but you would have to be able to up your payments to £100 within the first 6-12 months.

 

For folks that don't have the £100 surplus you could liase with your creditors yourself although I appreciate it can be an uphill struggle. If you wish to enlist the help of a CAB PLEASE make sure you seek an appointment with a trained 'Money Adviser' as the lay advisers (as much as they do a fine job) do not have the specific training to assist you.

 

You can find a great deal of help, budget sheets, sample letters and a great self-help guide at National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

Thanks for the info

I was not made aware of this by either payplan or CCCS. That was not even put to me.

 

At the moment I'm at the CCA/pro rata stage. fingers crossed. The info on this site has been a great boost to me. it shows that there is a light at the end of the tunnel. The debt problems we have been having have hit my OH hardest of all. She blames her self for a lot of it. but I keep telling her that that's not true as we both have debts within the combined figure.

 

But this site has eased her mind a little.

 

Sharpman

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I'm glad this site has been of help. You're in good company here. If you have any concerns or queries just shout. As well as as site helper on here I'm a debt counsellor in the day job so am in a reasonable position to assist you if anything crops up.

 

Best wishes!

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I'm glad this site has been of help. You're in good company here. If you have any concerns or queries just shout. As well as as site helper on here I'm a debt counsellor in the day job so am in a reasonable position to assist you if anything crops up.

 

Best wishes!

 

Thanks peeps,:-)

I'll bear that in mind if things get a little sticky.

 

Sharpman

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The thing to remember abut both Payplan and CCCS is that their function is to negotiate repayment. They have no interest in whether or not the creditor or DCA has a right to collect, or even if the debt exists at all. So, before approaching them for a DMP, make sure you've done any necessary CCA requests and put in a claim for any penalty charges.

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Just thought I'd post my experience if it's of any use.

 

I approached PayPlan 2 yrs ago £36k unsecured & no home or full time employment.

 

They were great 1st people I spoke to who didn't just treat me a lowlife.

They accepted my £95 and have done for 2 yrs.

 

Now I have found CAG I have started taking control, I have started sending off CCA requests etc.

 

One of my creditors has 'admitted' no paperwork, whilst I now pursue this, I asked PayPlan to stop paying that creditor (explained what I was doing etc.) and they have agreed and asked me to keep them informed about the others.

 

So no, they are not interested in the hard work of proving debts etc. that's not what they do, but they did provide me with breathing space for nearly 2yrs handling 11 creditors & keeping them, all at bay.

BTW I had tried negotiations with the creditors before approaching PP but they were just not interested :x

 

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We have £69000 of unsecured debt and are in a DMP with CCCS. The debt was £84000 but its coming down as you can see.

Initially we paid £105 per month but this is now £418, distributed amongst 12 creditors.

We really appreciate the way CCCS took the pressure off as OH and I were just about suicidal over trying to cope with the creditors.

With the help of CAG we reclaimed bank charges last year. We are now going to start sending off CCA requests having read the info on these forums for a few weeks.

CCCS gave us a welcome breathing space and allowed us to gather our reserves for the next part of the battle.

The only problem I can identify is, it is very hard to get through on the phone as its so busy but any email query is answered within 48hrs which is fine.

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Hi, I'm with Payplan and have been now since about 2005.

They really helped me out and were very reassuring. During the setting up process and the settling in stage I was handled by an advisor here in England, but as things are now just ticking away, I have been passed to an advisor in another country who doesn't understand my accent, and I don't understand theirs.

I recently wasn't able to make a payment via their phonelines as the foreigh advisors dont have switch machines - now I use the website which is just up and running.

 

I have also been advised to clear my debt when I remortgage!!!! Which according to a lot of users on here is a big no no!

I also requested full and final settlement figures (in case I did remortgage) and payplan said if I couldn't raise 80% then it wasn't worth me doing it.

They said that I shouldn't pay off just one creditor if I got a lump sum together as the others would find out and go after me for the money!

 

I had considered asking some creditors if they would accept about 50-60% but after reading threads on here, and looking at template letters, the amount to start at is a really low percentage and 50% is what I should work up to.

 

I was wondering if I am able to send off CCA requests like the above two posters have done, but am scared it will invalidate my DMP. Can anyone confirm this please?

Halifax CCA letter sent 3 May

2 x CL Finance letters sent 3 May

Halifax and CL letters received 6 May

Halifax responded with valid CCA, but need to query default

CL Finance failed to provide CCA by 2 July - letter sent

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I have now received all the paperwork from CCCS for a joint debt management plan. However, to keep creditors at bay, I had CCAd/SARd everyone. As only 3 have replied with the correct paperwork, should I contact CCCS and advise them that I want to delay going on the DMP until such times as these companies have come up with the information I have requested ? Should I even mention to CCCS that I am pursuing these companies to prove the enforceability of the debts ?.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Payplan just refused point blank to handle my case for a DMP because it was for under 8000. I'm definitely starting to think these organisations do little for those with little disposable income (who likely were never able to borrow anything close to that amount in the first place).

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Payplan just refused point blank to handle my case for a DMP because it was for under 8000. I'm definitely starting to think these organisations do little for those with little disposable income (who likely were never able to borrow anything close to that amount in the first place).

 

Try CCCS, they usually go down to £5k.

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hi,

Heres one for the legal beagels

 

I approached CCCS with regards to going on a DMP. After consultation they put me in touch with a Mortgage company to remortgage to consolodate my current secured mortgage/loan - as it happens this will be a bonus as my mortgage payments will be reduced by a couple of hundred.

 

Now whilst having the consultation with CCCS they were telling me what I was entitled to have as outgoings according to government guidelines. The figures The counsellor came out with were considerably less than what the government says i should have ( especialy in regards to housekeeping/food etc (2 adults, 2 kids )

 

Was advised to reduce my housekeeping. don't let my kids have school meals (send in with packed lunch - but still have to find this extra from a reduced figure)(hope that makes sense.)

 

Any way to cut a long story short ......

My free cash ended up being £74.00 (managed to get it upto £86.00)

 

My counsellor told me that due to the small sum available thay would not be able to take my case on. They sent me a pack with letter templates to send out to my creditors so I could take them on my self.

 

-------

 

Here's the question I have

 

I have now found out that the CCCS have been having discussions about my financial situation with the mortgage company that they put me in touch with. There has been no information passed to me about this from CCCS.

 

I was under the impression that the CCCS discuss your situation in confidence.

 

I'm now worried that the Mortgage company will divulge any figures that come as a result of me taking out the remortgage.

 

The savings I make will be used to take out Life insurance, House/contents insurance etc.

Get the correct government guide lines entitlements etc.

 

Any one know how I can approach both sides without jepordising the remortgage.?

 

Sharpman

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I contacted the CCCS when i got into financial problems because of my separation and then divorce. I found them to be unhelpful, and they kept duplicating accounts, when there was only one. And when i was served with a ccj from one of the creditors i was paying, through the CCS,they didnt tell me i could defend my case and i ended up with a ccj. They also advised me to go bankrupt which i didnt want to do. So i took it all on by myself, and did a far better job.

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Hello,

 

I was with Payplan in 2004 and 2005. They were very useful as they helped me take control of my debts and make payments towards them. I stopped my Payplan arrangement in the Middle of 2005 and made direct arrangements with all my creditors at the time (11 in total). I felt confident enough to management my debt problem on my own. I am now down to four debts and have been managing payments fine by myself thanks to Payplan showing me the way. I will be debt free in September this year. £24000 of debt to £0. I am so glad I decided to pay it off and not take bankruptcy or an IVA. It also feels like a big achievement.

 

The only problem I had with Payplan was due to a DCA not informing them the account was being collected by another company.

 

I had to file a S.A.R - (Subject Access Request) and then get the money I paid back from the DCA Suspense account.

 

Payplan are a really good idea, especially when you are in debt and unsure what to do.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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