First comment from this forum :
"I have an interview coming up with CCCS and need some general advice before I go ahead please.
My situatuation is I have retrained to another career (Aviation) and I am
applying like crazy to companies for positions but no success yet.
Meanwhile I am struggling to keep my head above water paying off all the debt I have built up and am trying to avoid any defaults CCJ's etc, so in summary below is what I owe and how things have gone thus far.
Currently owe
Egg CCard 5000
Egg Money 5000
N Rock 3000
Cahoot 9000
YB Visa 4000
GM Card 4000
Halifax Loan 3500
Capital Bank13500
Total 47000
When I get sorted with a good job I wish to move house because our family is expanding so we need more room, below then are a list of questions relating to what consequences will occur due to dealing with CCCS other than
some peace of ming (Hopefully)
1. Credit rating already knackered will it get worse by dealing with CCCS
2. Don't have any defaults, CCJ's or anything but it's only a matter of time
as more going out than coming in.
3. If I get a plan going with CCCS will it affect me wanting to move house
say in the next 1 to 2 years with regard to getting a mortgage.
4. What options might CCCS offer me.
As an aside Northern Rock are trying to stiff me for an extra £30 admin charge
due to an unpaid DD below is a timeline of events, what can I reasonably ask them to do, and have they broken any rules by trying to collect and then subsequently re-charge me for something I have already paid.
20 July DD for £238 returned unpaid by my Bank
21 July Got letter informing me of unpaid DD which would be collected
10 days after letter.
23 July paid the £238 by Debit card to try and avoid late payment charge
25 July got a letter saying charged £30 for unpaid DD
31 July then they tried to take another payment by DD and returned
unpaid
09 Aug got another letter saying DD returned unpaid £30 admin
I wasn't in arrears so no reason to take 2 DD's so computer/operator has
dropped a clanger, what can I get back, have they flauted any law or guideline and if so between getting my £30 back and asking for the loan to be settled what might be reasonable.
I thank all for any help and advice that is given.
My situatuation is I have retrained to another career (Aviation) and I am
applying like crazy to companies for positions but no success yet.
Meanwhile I am struggling to keep my head above water paying off all the debt I have built up and am trying to avoid any defaults CCJ's etc, so in summary below is what I owe and how things have gone thus far.
Currently owe
Egg CCard 5000
Egg Money 5000
N Rock 3000
Cahoot 9000
YB Visa 4000
GM Card 4000
Halifax Loan 3500
Capital Bank13500
Total 47000
When I get sorted with a good job I wish to move house because our family is expanding so we need more room, below then are a list of questions relating to what consequences will occur due to dealing with CCCS other than
some peace of ming (Hopefully)
1. Credit rating already knackered will it get worse by dealing with CCCS
2. Don't have any defaults, CCJ's or anything but it's only a matter of time
as more going out than coming in.
3. If I get a plan going with CCCS will it affect me wanting to move house
say in the next 1 to 2 years with regard to getting a mortgage.
4. What options might CCCS offer me.
As an aside Northern Rock are trying to stiff me for an extra £30 admin charge
due to an unpaid DD below is a timeline of events, what can I reasonably ask them to do, and have they broken any rules by trying to collect and then subsequently re-charge me for something I have already paid.
20 July DD for £238 returned unpaid by my Bank
21 July Got letter informing me of unpaid DD which would be collected
10 days after letter.
23 July paid the £238 by Debit card to try and avoid late payment charge
25 July got a letter saying charged £30 for unpaid DD
31 July then they tried to take another payment by DD and returned
unpaid
09 Aug got another letter saying DD returned unpaid £30 admin
I wasn't in arrears so no reason to take 2 DD's so computer/operator has
dropped a clanger, what can I get back, have they flauted any law or guideline and if so between getting my £30 back and asking for the loan to be settled what might be reasonable.
I thank all for any help and advice that is given.
Regards Geoff."
see this forum at : http://forums.moneysavingexpert.com/showthread.html?t=243374#post2675932
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