Creditor contacting StepChange?

ferry

Just a quick queation please

Can a creditor legally contact Stepchange directly for details of the DMP in place ?

Thanks

redux

I don't quite understand the question.

I don't know for sure, but I would imagine that Stepchange's negotiations or proposals include telling all creditors the total owed and offering the same pro rata amounts and timespans to all.

Can a creditor firm initiate this, on suspicion that someone owes more to other firms than they are telling, or for some other reason? First I don't see why, but also there is presumably some data protection that stops it happening without the debtor giving permission.

But I'm guessing a bit really. Why or what are you asking?

ferry

redux wrote: »

I don't quite understand the question.

I don't know for sure, but I would imagine that Stepchange's negotiations or proposals include telling all creditors the total owed and offering the same pro rata amounts and timespans to all.

Can a creditor firm initiate this, on suspicion that someone owes more to other firms than they are telling, or for some other reason? First I don't see why, but also there is presumably some data protection that stops it happening without the debtor giving permission.

But I'm guessing a bit really. Why or what are you asking?

Apologies. I was just curious if a creditor can just call up at anytime to request details on what other creditors on the roll and how much is being paid to them etc without consent. This i guess is taken care of by SC anyway by the sounds of it.

Thanks

National_Debtline

Hi ferry


I'd recommend you contact StepChange directly and ask them how much information they share about your other creditors. If they do inform a creditor about your other debts it would be a way to show that each creditor is being offered a fair share of what you have available. StepChange will be able to explain exactly how they operate your DMP.


Best wishes


Susie
@natdebtline

LOVEHB

I am sure from memory that that stepchange do send a creditor breakdown to everyone on a yearly basis. But they wouldnt be able to discuss the other debts its just so that they can see what you owe.