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Advice please (in laymans) please
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Carol1963
Posts: 28 Forumite
Morning All, I have 2 outstanding credit card debts in my name and am with Stepchange, I have recently just lost my husband so I'm presuming I will still have to pay them off but would/could Stepchange go to them to see if they will come up with something else?
I know the above does not probably make sense so sorry,
I know the above does not probably make sense so sorry,
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Comments
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I'm sorry to hear about your loss. Does it mean you are in a worse position financially?
Yes, go back to stepchange with the new situation. There are a dozen different strategies and the one they chose last time does not mean its the best now1 -
Just to add my sympathies, there are 4 debt solutions available, I presume you are in a DMP, would a DRO be suitable? If you look on the Stepchange website all options are there in detail.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-letter1
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Oh Carol I'm so sorry you are in that position.
You already have the best of advice from sourcrates and fatbelly - but I didn't want to read and run.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Carol1963 said:Morning All, I have 2 outstanding credit card debts in my name and am with Stepchange, I have recently just lost my husband so I'm presuming I will still have to pay them off but would/could Stepchange go to them to see if they will come up with something else?
I know the above does not probably make sense so sorry,I’m sorry to hear about your loss.
When you have any change to your situation, you can get in touch with StepChange for a review. We can look at adjusting your monthly payments, or we may be able to recommend other debt solutions that are now more suitable for you.
I’d recommend calling our Review team, their contact details can be found here.
Regards,
Aidan0
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