Latest Posts
Home > Ask The Get Out of Debt Experts > I Thought CCCS UK Was Supposed to Help Me But They Made Things a Mess. – Adele

I Thought CCCS UK Was Supposed to Help Me But They Made Things a Mess. – Adele

“Dear Steve,

I am currently under the CCCS and have been for 5 years now. Since I started my Debt Mangagement Plan, I have moved home on serveral occasions, therefore along the way my old bank (of which I have a a loan with), not being able to contact me. As far as I am aware, I emailed every one of my creditors to change my address. Anyway, I had an email from CCCS saying Lloyds TSB have an old address for me and would I go in branhe to change my details, on doing so, I was asked security questions, one being, How much goes into you account each month? I replied that nothing does and that I no longer bank with them.

Anyway, after a long process it seems, the CCCS have not been paying off my loan, they have made a mistake and been paying it into my TSB current account. I recieved a letter off a debt collectors stating that I now owe over a thousand pound more than the £7,500 I originally owed 5 years ago. So, I am basically in a worse situation than I was ever in.

Can you advise me in any way? I always thought CCCS where helping me, when infact they have just made my life a mess as regards my debts. Please help.


Dear Adele,

It does sound like CCCS UK made a mistake and sent the money with the wrong account number. You might be able to unwind this mess with Lloyds if you can find your original CCCS paperwork showing you gave them the right account.

Also, did Lloyds send you any monthly statement through the years showing the deposits into your account? I’m uncertain if this might have been exacerbated by your not keeping on top of your creditor statements. However sometimes creditors don’t send statements.

If you feel CCCS UK harmed you in anyway then you can file a complaint with the OFT and ask for help from the Financial Ombudsman. But first I’d start with CCCS UK and ask them what their position is and how they plan to fix the situation.

Please post your responses and follow-up messages to me on this in the comments section below.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.