Sorry if I'm intruding but interesting post regarding CCCS-had heard this already but they are FREE as are PayPlan. All the money you pay goes towards your creditors. Hope you are not paying for the DMC-you can do it yourself. Although I'm sure you know that already. This reminds me a bit about the CRA's. Once you request a copy of your credit file DCA's seem to be alerted????? So who funds them I wonder?

Hey Red,

Had to give the job up due to my health,am now back in the motor trade and doing alright.Dropped CCCS after being told by my new debt management company that they are funded by the creditors and so will try and keep me paying for as long as possible.Don't know whether this is true or not but was enough for me to hand my finances over to someone to act on my behalf and take the pressure off me.

So all in all things are on the up and up.

Adam

Hi adam how you getting on health wise.

How good are the cccs nowdays,i once did something with them but then found i could sort it myself as it was only 1 debt causing a issue.

VELOXUK before you post on a subject that started a while ago you really need to read the history of it,

if you did you will have known that the council are not dealing with icemans debt to them on his council tax,the arrears from last year are being handled by a DEBT COLLECTOR who threatend court baliff action due to the face iceman had got so far behind with paying.

So complaining to the ombudsman will be no use at all,the councill have acted within the law as much as i disagree with what law allows them to do.

Contact the council ombudsmen, I have delt with this type of issue before. Submit an official complaint to them, they will back down and if it goes to court show any letter you have sent the council & solicitor. Always send recorded delievery.

no mate barclay card are a different company mate in the group,just personal accounts and loans i touch.

yes it was the highlight to a otherwise dismal year financially,being married to a loyal wife and supporting the mighty reds have kept me going through some difficult times.

im settled in my new job at barclays now which ironic as it sounds is in debt collections,funnily enough ive spoke to some adams making when making outbound calls,hopefully none of em were you..lol

good luck with trying to reclaim charges,reckon you have a strong case for that and for harrassment.

doesnt seem like life is treating you well financially or health wise. siacticca is very bad indeed my sis-law has it .

Hopefully you will get the best help possible.

keep us updated on here.

Hello Red,

Just thought I'd come back on and reminisce about the old times and I saw your post.

Ah the roller coaster ride of the iceman.Paid Bristow and Sutor in full now,but we are contemplating taking them to court for harrasment.Made the first payment 1 day late because of the bank holiday,2 weeks later a bailiff turned up.Spoke to the bailiff who explained that he thought it was ridiculous and that he worked for Bristow and Sutor and was not an independant.Rang Bristow and asked them to call off the dogs.2nd payment was made on time,2 weeks later a bailiff turned up,We weren't in this time so we ignored it.Made the third payment 2 days late which cleared off the remainder of the original £330 we owed.All good right...........WRONG!!!!!! 1 week later,you guessed it,bailiff turned up.Once again we weren't in.Rang Bristow and asked them wtf was going on.Apparently,even though the bailiffs worked for them they were still paying the charges out of what we were paying them for the CT arrears.Lost my rag and told them to F Off as I'd payed what they owed.THE FOLLOWING DAY the same bailiff turned up,my wife was in this time,and told my wife he had to come in.BIG MISTAKE.My wife is a savvy woman and remembered all the help we got on here in the first place so told him to go away,he said he would but would be back later with the BIG VAN.......whoo,spooky.

In between all this happening we had taken a DMA with CCCS which helped us loads.So we rang them and they advised us to pay whatever they were demanding as if we didn't the bailiffs charges would just keep mounting and seeing as it looked like it was going to be a daily occurance,we obliged.However they advised us to seek legal advice and if it was a possibility,to seek to reclaim the charges.So we are awaiting legal advice,I get 1/2 hour free because I am in the TGWU through work,however the lady I need to speak too is on holiday til monday.

Now,to cap what has been a really crappy few months,I have just been diagnosed with sciatica and a slipped disc and my GP has advised me to change my career.So not only am I only earning SSP whilst on the sick,which is really gonna kick me in the b**ls financially,but I may also get a £1500 bill from my company to pay for the training I received if I do have to leave.

Anyway,that's about it in my financial life since March.Hope your OK mate.

Oh and btw,what a night in May,watching the England captain miss that spot kick then crying like a little girl has been the highlight of my year so far.

Cheers mate

Adam

same here iceman

To be honest ive got nothing personal against anyone on here at all

Seems liked im dragged into these things sometimes..lol

I did read it all and even responded on the first page ;-)

Glad you got it sorted.

To all that have been supportive and helpful (axis excluded,read all the posts before passing judgement on someone you don't even know)

Anyway,its paid.

Now I'm back on my feet jobwise (earlier posts again axis) it ain't a problem.

Red and Big,hope you sort out your personal war soon,it's been fun (although slightly bemusing) reading.

A big thank you to all that have given good advice,whether right or wrong it helped put my mind at ease and gave me the confidence to proceed on instead of burying my head in the sand.

Would also like to add that I am waiting for a reply on why in original e-mails they said they would apply for a liability order and yet in their last they said they had one (again axis,earlier posts).

So once again thanks to all (except axis).Its been a rollercoaster ride that I never thought would attract as much interest.

Hopefully won't be back on any time soon,shame I can't contact you all personally to say thanks so I hope this suffices.

Adam

I'm sorry you feel that way axis,but I don't remember EVER ASKING FOR YOUR SYMPATHY.

If you ain't got owt important to say,don't.

The council is not exactly an impatient collector. They would probably of sent out a dozen reminders and then accepted a very low monthly repayment. I know because I moved house once before my council tax bill arrived, everything was eventually forwarded on (after 6 months) and they said i could pay as little or as much as I wanted for the debt per month.

To get that order issued, I imagine he also had to miss an appointment at the magistrates court as well.

I don't want to be cold but some people just seem to shake their responsibility's far too easily.