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DMP: StepChange or DIY?
divrom
Posts: 11 Forumite
I've been trying to get some help with setting-up a debt management plan. I finally decided to go with StepChange, as it looked like it could all be done online. (I can't use the phone due to my condition.)
However, I got an email from them today saying it was "a telephone-based service." So, they said that if I could not ring them then they couldn't help.
My question is - do I even need them? Can I set-up a dmp direct with creditors? Will they take advantage of me? Will they take it as seriously as if I went through someone like StepChange?
However, I got an email from them today saying it was "a telephone-based service." So, they said that if I could not ring them then they couldn't help.
My question is - do I even need them? Can I set-up a dmp direct with creditors? Will they take advantage of me? Will they take it as seriously as if I went through someone like StepChange?
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Comments
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Yes, it is relatively easy to self-manage you DMP...
I can recommend two valuable resources for you to read through, so that you can make an informed choice. The link to both are below:
NEDCAB
DMP Mutual Support Thread
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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Thanks very much!0
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That's nonsense, before I went self managed I was with Stepchange for a short period of time, I never spoke to anyone on the phone, not once, couldn't have done it otherwise.Debt on 25/5/17
Mortgage[STRIKE] £61,999[/STRIKE] £59,335
Secured loan approximately[STRIKE] £20,000[/STRIKE] £19,353
Unsecured debt in DMP with Stepchange[STRIKE] £38,887[/STRIKE] £37,7630
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