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louis123_2
Posts: 8 Forumite
Hi everyone,i have a question for anyone who has ever went through the debt process with stepchange.I did the remedy online and then phoned up but they said i can either do it over the internet or phone not both 
has anybody experienced one or the other or know which one is the best to deal with.?
has anybody experienced one or the other or know which one is the best to deal with.? 0
Comments
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Hi,
Makes no difference either way.
Online remedy is easier, and more anonymous (in that you don't need to speak to anyone).
It's down to personal choice really, whichever your most comfortable with.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I am surprised that the FCA doesn't close the online remedy down. I suspect it is very high on their list of things to do.
Giving someone debt advice without ever speaking to them is at the very least fraught with danger, at worst potentially catastrophic for the individual concerned.
Not a dig at SC, more that the FCA is not keen on any avenue of advice, free or otherwise, that may lead to consumer detriment.0 -
I did online back in 2013 all was fine and you can phone them if you have any questions.Christmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
DorisTrousers wrote: »I am surprised that the FCA doesn't close the online remedy down. I suspect it is very high on their list of things to do.
Giving someone debt advice without ever speaking to them is at the very least fraught with danger, at worst potentially catastrophic for the individual concerned.
Not a dig at SC, more that the FCA is not keen on any avenue of advice, free or otherwise, that may lead to consumer detriment.
Thank you that has given me some food for thought.0 -
Would anybody recommend any other way of dealing with debt?0
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Would anybody recommend any other way of dealing with debt?
Well that's quite a far reaching question.
There are three debt remedies laid down in statute by parliament in England and Wales, they are :
(1) Bancrupcy
(2) Individual Volunterry Arrangement
And
(3) Debt relief order
The fourth option is an informal debt management plan.
It depends on your own personal circumstances, and how much debt you have, which option is right for you.
For example if you are in a lot of debt, and have no assets, and very little income, you should concider Bankrupcy.
If your not a homeowner, your debt is less than 20k, and you have less than £50 left after all bills are paid, a debt relief order may be for you.
Or, if you have a house to protect, and a lot of debt, an IVA may be suitable, you really need to speak to someone about your options.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
DorisTrousers wrote: »I am surprised that the FCA doesn't close the online remedy down. I suspect it is very high on their list of things to do.
Giving someone debt advice without ever speaking to them is at the very least fraught with danger, at worst potentially catastrophic for the individual concerned.
Not a dig at SC, more that the FCA is not keen on any avenue of advice, free or otherwise, that may lead to consumer detriment.
I agree with this. My council has this link under 'debt advice' on their website
http://www.debtsupporttrust.org.uk/
they have an online 'debt test' - gives completely misleading and useless advice. Feel free to give it a go.0
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