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i have numerous debts, i have 1 lloyds loan, 1 household bank loan, 1 welcome finace loan, capital one credit card, 5 catalogu loans, 2 hp agreements all of which are being dealt with by cccs, but recently i have had to take payday loans to pay of persoanl debts, i owe ptp 850, paydayuk 300, paydayloans 343, wonga 433, tower 124, i am unable to repay these, i pay cccs 110 per month i have child maintenance to pay and rent, if i could put all these in one basket i would be able to pay around 200-250 per month, anyone got any suggestions, i think if i o back to cccs they will stop my plan due to getting extra credit

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hi willy. i think you should get in touch with debt management company that do not charge, cccs are not a charity, they are sponsored by the banks, you will need to be honest with these people, and get them to do a debt management plan to suite your needs, you may find more information as you go through these posts. but it is up to you. regards;scousemonk

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i have a dmp with cccs but if i tell them i have more credit they will stop my dmp, u know anymore companies

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i have a dmp with cccs but if i tell them i have more credit they will stop my dmp, u know anymore companies

 

Hi Willy53,

 

You could try Payplan Debt Management Plans, Free Debt Management Company and IVAs | Debt Advice | Payplan .

 

They are a charity and are not sponsored by the Banks like CCCS. I've not dealt with them myself (yet), but from many other posts on this forum they seem to be the most helpful, and do not charge for their advice.

 

Hope this helps.

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thanks

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i have a dmp with cccs but if i tell them i have more credit they will stop my dmp, u know anymore companies

 

Sorry to hear about your problems

 

I was in a similar situation a few years ago, after ignoring them and becoming extremly depressed i contacted Debt Free Direct, the help they gave me was excellent, i managed to enter into an IVA, they also contact me every few months to see if i am ok, if it was not for them and my family support i do not think i would be here today !


The retailers worst nightmare !

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i know i was ok when got on cccs but recently been told they work for the banks, and had to get some payday loans so i dont think they would carry on with me

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The CCCS do not work for the banks, they are funded by the banks. The CCCS are the middle man trying to help you and the creditors. Payplan are very similar to CCCS whereby they are also free of charge. I would suggest that you at least inform CCCS of your situation and be honest, as in the posts above. The worst they can say is no which is what you are expecting, but if they let you continue this will be a bonus x

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