entering a DMP but now concerned about risk of CCJs

Hi,
No need to stress. Its unusual to start a DMP without even defaulting on your debts, but actually, that's what I did, a few years ago.
I was in a similar position to you, more debt though, my experience was that lenders didn't want to know, as up till that point I hadn't broken the terms of my agreements by either stopping paying, or paying less.
Things have moved on a bit now though, and lenders are obliged to treat you fairly.


Its a good move to go with stepchange, and yes, if you pay less than the contracted amount you will get collection letters, possibly default letters too, but as long as you are making the effort to repay what you owe, any court action, and possible CCJ`s are very unlikely.


What usually happens if a certain creditor does not like your offer of payment, they will say so, stepchange will of told you this, and just to keep paying what you can, all the creditor is likely to do is sell the debt on to a DCA, and the game begins again with them.
This is common industry practice, court action usually only occurs if the debt has been ignored for a long period of time, so pecker up, your doing the right thing, don't be worried about a few computer generated letters, they all go very nicely in the recycle bin !!!!!!

Hi AleMrsT

Just in the interests of reinforcing what sourcrates and those on other forums have said already. As the DMP is not a legally binding agreement, Stepchange will feel it's important to point out the risks you mention, even if they're relatively low - it just wouldn't be appropriate for any of us debt charities to say that a DMP can guarantee avoiding DCAs, court action etc.

Good luck on your debt-free journey.

Dennis
@natdebtline