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by CCCS Counsellor
Mon Jul 02, 2012 10:52 am
Forum: Ask IVA Forum and Industry experts
Topic: is it possible to have an iva if i own two houses ?
Replies: 24
Views: 3661

Hi Anthony.78,

CCCS do consider IVAs for those with more than one property, but it depends on your current circumstances. It would be best to give us a call so we can advise you further.

Regards,

Peer on behalf of CCCS
by CCCS Counsellor
Mon Jun 25, 2012 2:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi, my husband and I are currently considering bankruptcy
Replies: 15
Views: 2995

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy CCCS -- could you elucidate upon your dedicated BR team,please -- what sort of charges can debtors expect for your assistance? This information could be of interest to posters who wish to investi...
by CCCS Counsellor
Mon Jun 25, 2012 12:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hi, my husband and I are currently considering bankruptcy
Replies: 15
Views: 2995

[quote] Originally posted by Ana.da Thank you to all who have taken the time to respond to my question. I should have stated that we do not have any spare income to facilitate an IVA. initially we were set up on a DMP by the CCCS but my husband then lost his job eleven months ago. Since then, we hav...
by CCCS Counsellor
Thu Jun 07, 2012 9:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Do CCCS contribute to this forum ?
Replies: 71
Views: 7094

Hi iamfubb2, We do contribute to this forum occasionally and we monitor the discussions here on a regular basis. However me and my team's role is to answer debt questions, rather than talk about CCCS's position within the wider debt management community. If you've got a query that you'd like answere...
by CCCS Counsellor
Fri Jan 20, 2012 2:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: A Couple of Worries from A Newcomer
Replies: 30
Views: 4340

Hi all. As you know, CCCSVA are very supportive to all our clients and we have contacted jsb1983 again today to discuss his concerns.
by CCCS Counsellor
Fri Jun 03, 2011 9:12 am
Forum: Ask IVA Forum and Industry experts
Topic: IP e-mail req!
Replies: 5
Views: 2084

I know this is an old post but I too am having difficulty in locating Jackie Westerman's email address. The Insolvency website does not have an email address. I spoke to my case worker 3 weeks ago regarding a query I have and he was to call me back the following day but never did ...still waiting f...
by CCCS Counsellor
Wed May 04, 2011 11:41 am
Forum: Ask IVA Forum and Industry experts
Topic: Is there a set up fee for an IVA ?
Replies: 4
Views: 1525

Is there a set up fee for an IVA. I've spoken to the CCCS & sums of £500+ have been mentioned. Is this the case please ? Hi Andy.gr and thanks for your post. I understand that the fees regards to IVAs can be confusing. Like all IVA companies CCCSVA does charge a Nominee and Supervisory fee which w...
by CCCS Counsellor
Fri Jul 23, 2010 1:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: am I doing the right thing ?
Replies: 9
Views: 1541

Hi Andy, CCCS are a registered charity and not linked to any commercial companies. I am happy to look into this for you to make sure that it is the CCCS that your appointment is with. If you would like to send an email to contactus@cccs.co.uk FAO Sarah and I will confirm this for you via email. If y...
by CCCS Counsellor
Thu Jun 03, 2010 11:25 am
Forum: Ask IVA Forum and Industry experts
Topic: Hi everyone,Im new to this sort of thing
Replies: 25
Views: 4232

That is really odd as CCCS do have a special IVA department. I wonder what criteria they deem makes an IVA acceptable to them and what makes them need to refer it to Grant Thornton. Hi Melanie, We refer self employed and Northern Ireland clients to GT. Also, if the client requires a face to face ap...
by CCCS Counsellor
Thu May 27, 2010 10:46 am
Forum: Ask IVA Forum and Industry experts
Topic: Am I whining about nothing?
Replies: 54
Views: 5863

For the life of me I do not know where those statistics come from - but I can assure you that they are totally incorrect. Perhaps the CCCS representative who posts on the forum could enlighten us. I rely on information published by The Insolvency Exchange who see almost every IVA that is put forwar...
by CCCS Counsellor
Tue May 25, 2010 10:56 am
Forum: Ask IVA Forum and Industry experts
Topic: CCCSVA & Proposed IVA
Replies: 20
Views: 4847

Hello,

You would need to provide evidence of income and expenditure every 12 months. If there is an increase in surplus income after taking into account expenditure changes it will be 50% of this amount.

Hope this helps clarify things.

Sarah
by CCCS Counsellor
Mon May 10, 2010 5:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: debt relief orders
Replies: 18
Views: 3956

morning all , my sister is looking into a debt relief order and reading about it she has to go through an approved third party, she contacted a company called Spencer Hayes does any one know of them ?, also will she have to pay a fee to the third party like you do when in an IVA or DMP, she knows t...
by CCCS Counsellor
Thu Apr 29, 2010 11:04 am
Forum: Ask IVA Forum and Industry experts
Topic: CCCS help please
Replies: 14
Views: 2024

My Dad has been really poorly and unfortunately has had to give up work, thus leaving him collecting just £64 a week benefits. He can't afford his loan and creditcard repayments so I advised that he phoned the CCCS and ask for help with his situation. They have advised him to just pay £1 a month as...
by CCCS Counsellor
Mon Mar 29, 2010 1:39 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moneysavingexpert
Replies: 3
Views: 1833

http://www.thisismoney.co.uk/news/article.html?in_article_id=501559&in_page_id=2&expand=true#StartComments I see that GMTV and Moneysavingexpert have got into trouble for promoting a commercial business. It says in the article that while there is no advertising, the site makes its money as'commerci...
by CCCS Counsellor
Fri Mar 19, 2010 11:51 am
Forum: Ask IVA Forum and Industry experts
Topic: CCCS receives a record number of calls
Replies: 61
Views: 7041

Hi Hunnybunny & Andy, I’m not too sure of the full process as yet but will keep you updated as soon as I have more information. As far as I understand it would work in the same way as a DMP – but don’t hold me to that. I’m out of the office now until Monday so will be back on the forum then; hope yo...
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