CCCS BUDGET GUIDELINES 2011 PDF

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Page of 1. Filtered by:. Previous Next. My previous company told me and i suspect they were lying that these are a legally accepted budget guideline. Tags: None. Re: CCCS budgeting guidelines They are accepted industry wide as figures that they will accept under the lending code and regulatory framework.

Comment Post Cancel. Latch Key Kid. PS - this is probably already common knowledge on this site, but nevertheless I thought I would put it up for information purposes and possible discussion. Re: CCCS budgeting guidelines I think a proper and indeed realistic cost of living figure should be well and truly available to all and adhered to,with only marginal adjustments for certain circumstances.

Re: CCCS budgeting guidelines. Originally posted by enaid View Post. I think a proper and indeed realistic cost of living figure should be well and truly available to all and adhered to,with only marginal adjustments for certain circumstances. Re: CCCS budgeting guidelines i so want to know where that shop is. Originally posted by millercc View Post. Re: CCCS budgeting guidelines Hi Millerc This is taken directly from the BBA guidelines to creditors regarding trigger figures and the Common Financial Statement: "The trigger figures represent pre-agreed levels for certain areas of discretionary expenditure.

The trigger figures help creditors and money advisers to identify levels of monthly expenditure which, unless exceeded, will not require comment or explanation. This means that if a financial statement includes items of expenditure that are either at or below the level of the appropriate trigger figure, money advisers can expect that their payment offer should be accepted.

Creditors 'should' do many things, like adhere to OFT guidelines on debt collection, like treating customers fairly, like ensuring that mis-selling and misrepresentation of financial products does not occur But we all know they don't!

However if a debt advisor were to offer a creditor an offer in the correct CFS format, with expenditure within the accepted trigger figures, and this were rejected, then this would not look good on the creditor should they decide to take things to court. Its likely that a court would accept these trigger figures and would make a determination based on those figures.

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If you'd like information on sources of free, regulated, debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money. Vulnerable consumers can register for FREE. CHECK NOW The Vulnerability Registration Service is a free service which provides vulnerable consumers the ability to record their personal circumstances at a given point in time when they are looking to protect themselves against further debt or related financial problems.

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Cccs budget guidelines

For many people being on a debt management plan is the first time in their lives that they have ever drawn up a budget so it will take a few months to get used to it. Survival tips for living on budget include making lists of when, where and how much you spend, so that you can accurately record where your money is going. Make sure you stick to saving Car Servicing costs, Dental costs, Hairdressing costs etc. You need to start to build these savings up for when you need them. Remember, no debt management company can guarantee that your creditors will stop interest and charges. Once your DMP is set up you need to keep us updated with changes to your circumstances. If you start to struggle you need to let the debt management company know.

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