stepchange

shoemaker1948

last week took step to seek help over credit card debt i have got in touch with step change next monday got 45 minute talk on phone to seebest way forward work out budget have anybody else took advice from stepchange

y5d

Yes, they have been wonderful with us, fantastic advice, and taking some of the stress out of the situation.

Monkeyballs

Yep,

I have nothing but praise for Step Change - they've helped me no end and even better they are really easy to talk to about any aspect and don't judge you no matter the cause of your debt or current circumstances.


Those will be 45 minutes very well spent!

MB

Sazzie23

Welcome aboard

Plenty of stepchange fans on DFW threads. Not for everyone though so try payplan, or national debtline websites, there is also a Christian debt relief site I've heard of. Main thing is if you are going onto to DMP make sure it's a fee-free arrangement, and if it's DRO or Bankruptcy taker advice from the fee free sites first.

CurlyTop

I can't recommend Stepchange enough. I have just recently finished an 11 year dmp with them (took this long due to having to reduce hours at work due to ill health and husband lost his business but increased payment when hubby got a job). During that time, I found them to be most supportive, non-judgemental, don't think you're daft when you ring up in a panic to ask what you think is a silly question. They are general all round nice guys who do a fantastic job. Have the call, be honest and see what they come up with.

Best of luck.

Monkeyballs

CurlyTop wrote: »

I can't recommend Stepchange enough. I have just recently finished an 11 year dmp with them.

Big congratulations to you! Well done on completing a MAMMOTH run of DMP payments

MB

Learning2Budget

Yes. Stepchange have been fantastic and supportive. Good luck. L2B.x

cynicalgit_2

Before bothering with a DMP make sure the debt is enforceable.
Send out a CCA request to each creditor, you could save yourself money and years of misery.
Any debt pre 2007 is almost certainly unenforceable.

Rainbow8585

Cynicalgit does this include overdrafts? Thanks

cynicalgit_2

Don't believe overdrafts are included.
However you could blag it with a template letter to give you more time if it's been passed over to a DCA.
I suggest you Google other sites that specializes in Unenforceable debts.

cynicalgit_2

The UE route may give you breathing space for you to save the money towards a F&F offer later on or indeed if unenforceable 6 years until the debt is statute barred.
My experience of DMP is not positive.
You'd be advised to seek further advice.
Both Payplan and Stepchange are sponsored by the Financial Industry and in my opinion are there to reimburse the banks.
!!!!!! 11 years on a DMP is that what you want?