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  • FIRST POST
    • TightRob
    • By TightRob 17th Mar 17, 8:18 AM
    • 33Posts
    • 10Thanks
    TightRob
    Any other free DMP companies?
    • #1
    • 17th Mar 17, 8:18 AM
    Any other free DMP companies? 17th Mar 17 at 8:18 AM
    Other than stepchange and Payplan?
Page 1
    • sourcrates
    • By sourcrates 17th Mar 17, 10:07 AM
    • 11,541 Posts
    • 11,126 Thanks
    sourcrates
    • #2
    • 17th Mar 17, 10:07 AM
    • #2
    • 17th Mar 17, 10:07 AM
    Yes yourself.

    There is nothing to stop you self managing a DMP.

    You don't need any 3rd party help to do it.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Ilona
    • By Ilona 17th Mar 17, 11:30 AM
    • 1,856 Posts
    • 6,412 Thanks
    Ilona
    • #3
    • 17th Mar 17, 11:30 AM
    • #3
    • 17th Mar 17, 11:30 AM
    Christians Against Poverty, and you don't have to be a Christian. Or self manage as suggested by sourcrates.
    Ilona
    I love skip diving
    • Ben75
    • By Ben75 17th Mar 17, 12:46 PM
    • 46 Posts
    • 42 Thanks
    Ben75
    • #4
    • 17th Mar 17, 12:46 PM
    • #4
    • 17th Mar 17, 12:46 PM
    I went with Stepchange initially in 2010 but got made redundant about 2 months afterwards and have managed it myself ever since.
    • TightRob
    • By TightRob 17th Mar 17, 12:56 PM
    • 33 Posts
    • 10 Thanks
    TightRob
    • #5
    • 17th Mar 17, 12:56 PM
    • #5
    • 17th Mar 17, 12:56 PM
    I refuse to pay for postage.
    • StopIt
    • By StopIt 17th Mar 17, 12:59 PM
    • 758 Posts
    • 687 Thanks
    StopIt
    • #6
    • 17th Mar 17, 12:59 PM
    • #6
    • 17th Mar 17, 12:59 PM
    Of all the reasons...


    Your username is apt. No, writing is still the main method of formal communications in the country and these charities need to use it to send formal communications to creditors.


    Again, no, you're not going to get formal debt management of any sort by e-mail. Yes, that sounds really old fashioned but that's still what's required.
    • Keezing
    • By Keezing 17th Mar 17, 1:03 PM
    • 261 Posts
    • 225 Thanks
    Keezing
    • #7
    • 17th Mar 17, 1:03 PM
    • #7
    • 17th Mar 17, 1:03 PM
    You could try self-managing by using email and/or online forms for creditors. I think eventually they would get the hint, but it would be a struggle.
    • sourcrates
    • By sourcrates 17th Mar 17, 2:08 PM
    • 11,541 Posts
    • 11,126 Thanks
    sourcrates
    • #8
    • 17th Mar 17, 2:08 PM
    • #8
    • 17th Mar 17, 2:08 PM
    I refuse to pay for postage.
    Originally posted by TightRob
    Email, on-line messaging, most creditors have both facilities.

    Most debt collectors websites allow you to manage your account and payments electronically without sending anything or without speaking to anyone.

    You dont need an official debt management plan, you can come to an arrangement with your creditors yourself, using the above methods, working to your own available budget, its very simple and straightforward to organise, and does not cost anything,
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • JES_F1
    • By JES_F1 17th Mar 17, 3:13 PM
    • 669 Posts
    • 1,422 Thanks
    JES_F1
    • #9
    • 17th Mar 17, 3:13 PM
    • #9
    • 17th Mar 17, 3:13 PM
    I refuse to pay for postage.
    Originally posted by TightRob
    I did a DMP with Step Change. Apart from posting them all the initial paperwork, I rarely posted them anything else throughout the whole DMP. If I had any queries, I would email or call them.
    Debt Jan 2008: £45,566. *** June 2013: DEBT FREE! ***
    Paid back just under £50,000 due to some interest added.

    Dealt with my debt through a Step Change
    (CCCS) DMP.
    DMP Mutual Support Thread Member #240.
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