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Worth going through CCCS ?


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Hi,

 

I have arranged a number of repayment plans with existing creditors, all payday loan companies I defaulted on. These are being paid off without issue, however, I now have a number of credit cards (3) totally around £2,000 that I'm unable to pay. Am I best off contacting each of them and attempting to arrange repayment or if I contacted CCCS would they take on all my debts ( including those in arrangements ) and work with all my creditors on my behalf?

 

What's the best option for me? I'm fed up with the constant calls/ letters from credit card companies and Im getting to the point where I cannot afford to make further monthly payments as it leaves me with little to cover the usual monthly bills.

 

The debts in total come to around £4,000 and I have an annual salary of £28000. I have a family of four to support as my wife does not work.

 

All ideas welcome.

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I paid off all my debts with a DMP run by CCCS (now StepChange) it worked a treat for me. Creditors can access the CCCS website and download i&e statements and can see how the monthly payment is shared out. CCCS handled all the aggro with my creditors. I know some folks like to run their own DMP as they feel more in control, for myself I really couldn't have cared less about that I liked it that just one payment a month was made and someone else did the rest.

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