CCS's and Payplan

[sonyse2t5]

Fees are 5k, for CCCs that's 2K more than I paid for mine. I have heard Payplan is willing to to down to 3K....that's a helping hand.

That should remove those nasty mods for an extra £50 the voting exchanges are asking for and leave more in your pockets.

Contact name fro CCCS's IP:Jaquie Westerman.

[emma_t]

Would be good if you could ever get to speak to the IP there. I initially went through CCCS but was passed around lots of different advisors and never got to speak to Jaquie Westerman who wrote my proposal.
I did not have any confidence in them as they went through my income and expenditure and kept saying 'that won't be allowed for that, the maximum is this' etc. When I found this forum I saw how things fail unless this is realistic and right from the get go, I don't believe it should be streamlined to fit guidelines as it should have been my i&e not adjusted to fit any guidelines. I also felt rushed all the time with them during phone appointments and everytime I asked a question, they kept saying we only have this amount of time and my questions went unanswered.
I am only speaking from my personal experience, so don't want to put anyone else off or anything but thought it so important that if my iva is succesful I will be tied to that company for the next 5 years and wanted to have full confidence in who I was dealing with

[OPTIMIST12]

Hi emma.t

Was very interested to read your post. I approached CCCS soon after last Christmas (2006) when I finally became aware - or rather finally opened my eyes to the fact that - my debts were out of control. This was before the time when CCCS started "doing" IVAs.

CCCS went through my I + E over the phone in January 2007 and were frankly BRILLIANT in opening my eyes to what was likely to be accepted by Creditors and - therefore - what money I would have left at the end of the month. It was an eyeopener but there was no messing about - they told things as they were. They went through my options - but were consistent throughout that they were setting out the options only and that the decision - DMP / IVA / BR was finally mine. They sent me detailed leaflets setting out the pros and cons of each option but with no pressure. In the event - I approached a completely different company who successfully got my IVA accepted.

CCCS have come in for some stick from some quarters as being too close to creditors but what on earth is wrong with that? If by virtue of that closeness they know exactly what to propose for acceptance then I for one would not argue.

I am very grateful to CCCS - they gave me good solid advice when I was at my lowest ebb and charged me nothing for all their great phone and written advice. I am also forever grateful to my IVA company who got the proposal through. Now it is all down to me.

At the end of the day each individual must decide who they are happy with. But I will defend CCCS to the end - they tell things as they are and know what Creditors want. Noone is under any obligation to stay with them.

PS Emma - Likewise - the above is just based on my own experience and one can only take as one finds. Can I just also wish you all the best in your own debt solution. Good Luck!!!!

[sonyse2t5]

Been close to creditors and having a good relationship is good thing when the crunch comes.

This certainly can be an advantage for their IVAs. CCC might? be tough on I/E and the personal touch isn't there(swamped as in their DMP service)but they do charge less. If the 5K is to be believed then that's 2K more to go to creditors.

The IP is as qualified as another they may be tougher than others on the I/E? and using different categories. I would think having done a DMP with them they probably used that DMP I/E template which is very specific. I got more to spend on my IVA allowance than a DMP.

[Skippy]

I have a problem with them saying what the maximum for expenditure is. Surely the figures should reflect the true expenditure? Don't get me wrong, I understand that we are supposed to live on a budget in an IVA but surely creditors have to understand that some people have to spend more than others - for example I eat very little dairy products, so my weekly shopping bill is higher than someone who drinks 'normal' milk as soya milk is much more expensive.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[MelanieGiles]

Well said Skippy and you are absolutely correct.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp