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DMP with CCCS - Should I go it alone?

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Hi guys

 

Firstly Ive been reading a number of threads and it seems a great forum. This is my first post so hopefully you may be able to help me.

 

I currentley have a DMP with the CCCS. My outsanding debts are circa £10k. These debts are currentley with 2 seperate debt collection agencies. The original debts were sold on from MBNA and Halifax.

 

My questions are as follows:-

 

I want to offer each company a full and final offer, but having read various threads the CCCS dont appear to be too happy about this. I have not asked them direct, it may seem a bit strange, but Im worried about my questiosn 'jinxing' my DMP and being left to deal with my creditors on my own.

 

I did foolishly ring MBNA to ask for a full and final settlement figure and they tried to ask me various questiosn about my current income etc. I basically said it was all dealt with by the CCCS and hung up!

 

Any advice would be most welcome,

 

Thanks

 

Spaggey

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Hi spaggey

 

Before I found this site I too was gonna go with cccs, but they are IMO ' wet ' as they plod on with ther irregular help. I initially took control myself with the advice from here and I have staved off various firms etc, who'm I was previously told by cccs that I had ' no chance ' with them.

 

If I were you I would go it alone, dont call creditors, and before you ask for f+f, speak to the cagers, head up m8 your in safe hands.

 

Mr W


Regards..Mr Worried :)

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Hi.................remember if as you say the debts have been SOLD then they where sold for peanuts,this puts you in a strongish position with the DCAs who have purchased the debt.The fact you are with CCCS does not matter negotiate yourself you will come out with a lower F&F start at about 15%.who are DCAs??????????????????????I have posted this before CCCS get very difficult if you want to remove a creditor from your list for CCA reasons.CCCS perform a reasonable function however,its your money and if CCCS get up tight because you have gone for a F&F of your own back,so be it,do your own DMP go for it........FS

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Hi guys, many thanks for the responses...

 

The CCCS were a great help intially and took a lot of the pressure off. How ever Im now in a much better position than I was 3 years ago and thankfully have some money put aside, enough I think to start playing hardball and come to an agreement with the DCA. They were so aggresive and unrerasonable at the start, I think its time they got some of it back their way!

 

Im going to write to them and ask for my CCA (I was a bit 'green' at the start of this and frankly too scared to stand up for myself) hopefully this will give me a bit more leverage when it comes to a FFS. Fingers crossed.

 

Im confident I can do this alone, my only worry is without the CCCS the DCA will start to ramp up intrests, charges etc and ill be in a worse postion!

 

Thanks

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Ramp up interests? no not really, you may be paying something you dont need to, ie ..get tem cca'd asap.

 

Mr W


Regards..Mr Worried :)

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Hi...Go for your CCAs whilst you are with CCCS,its only 12+2 days to get the DCAs excuse or response,they are unlikely to add interest just because you have CCAd them,when you have their replies you can then take a view on your next step,DMP on your own or whatever you wish to do....................FS

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Hi guys thanks for the replies....

 

Im going to CCA my two DCA. I imagine they will have any original data from the original creditors. Im going to send the below letter, any thoughts, is it sufficient to get what I need (it has been taken from national debt line website)?

 

Dear Sir/Madam

Account No: _____________________________

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request. I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully

(Your signature)

 

 

After I get replies (if any) I would be most greatful if you guys could help be decide if the agreements are binding etc and the next steps!

 

 

Cheers

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