budget plan

shoemaker1948

have just had advice from stepchange about a budget plan to deal with our debt. firstly they advised to make sure rent,water,gas,electric ,council tax are all up to date they must come first then contact credit card people,clubs etc to tell therm your situation .i have contacted my credit card people who have told me i will recieve a default letter but dont reply .i explained to them that a budget plan will be put in place when all the facts are gathered together .i rang stepchange to explain what the credit card people told me .they tried to reasure me everything will be ok but i just cannot stop worrying about it .have just read on a website what could happen when you get a default letter im even more depressed now even though ive been told not to worry by stepchange very depressing.

parsniphead

It's scary to start with but stick with it. You will get there.

Good luck.

shoemaker1948

at last have got the last piece of information that stepchange asked for now after going through the budget plan with me everything is in place for stepchange to send the budget plan to us.they will send payments to the crediters i voiced my concerns about creditors contacting us making demands stepchange told me or my wife to tell them to contact them (stepchange) they will deal with the creditors .i have nothing but praise for stepchange they have tried to reasure me aboutany letter from credit card company .afraid still worry about it.
still a very long journey ahead but at least we will making a start on the jouney ahead

parsniphead

You may get a few calls initially but it will soon calm down. Just forward them to step change with your reference number.

I'm just coming to the end of a 7 year DMP and haven't had one phone call from anyone I owe money to since they all accepted the plan. To be honest a lot of the company's sold my debt to debt collection agency's and I have always found them easier to deal with than the banks.

It will be a weight of your shoulders once everything is in place.

Good luck.