Big problems with CCCS -being dumped

[veryweary]

I left CCCS after being with them for 5 years, and took contol of all of my payments myself. Was very ill when this happened, but it was considerably easier than I thought it would be.

 

When they dump you, they will give you a detailed list with name, contact nos, addresses of all your creditors. I took the oppurtunity when I left CCCS to make enquiries on the enorcability of my alleged accounts, be sednign some CCA requests, and now have 5 accounts where I make no payments and more possibly to follow.

 

They are initially helpful when you're desperate and not familiar with your rights and they don't charge for their service, But not much use if a creditor or DCA gets nasty and threatens court action or charging orders. They just tell you to accept it all including unfair charges and keep paying them.

 

They used to have a ceiling of minimum of £100 per month to make it viable as a charity to handle the admin of your repayments for you. Sounds like the credit industry is biting them in the rear end. Typical that the greed of creditors , always wanting more , makes them bite the hand that feeds them. They truly deserve it when people get fed up, find out thru sites like this that agreements aren't always enforceable, and stop paying them altogether.

 

As a charity I can't see the ombudsman being relevant, but you could perhaps write a letter of complaint to someone on the board.

 

It would be very interesting to see what sort of reply you got.

[veryweary]

CCCS should send you a list detailing all your creditors , their addresses and contact nos, and you should have your recent CCCS statements showing amounts technically outstanding. If they don't send it, phone or write CCCS and ask them for it.

 

A CCA request is a letter sent to whoever is taking your payments, be it original creditor or DCA, you can find the letter in the sites' template letter section. You need to send it enclosing a £1 postal order , don't sign the letter, use capitals or something and send by recorded delivery so you can prove it was sent.

 

It asks the creditor to provide you with a copy of your credit agreement. After 12+2 days if they don't supply one , you can put the account into dispute and then withold payments until they comply if they ever do. It's always your decison whether to continue payments or not.

 

If they do come back with something claiming it's an agreement, start a seperate thread for each account , scan the agreement minus any identifying personal details and post it up for people to advise you further, as it may not be compliant, due to missing prescribed terms etc.

 

while you get all this done , would be an idea to start reading some of the threads on this site to glean more information, as there's a lot of info to take on board.

 

And lastly don't worry it will all be fine. Lots of us have moved from CCCS to managing our own affairs and survived. You'll get all the help you need on here:)