Self Managed after 3 years with SC questions

Winkflower

Hi all, 
Have been with Sc for 3 years, now have 24k from 42k and 13 creditors from 13.
Have recently asked for CCAs from all creditors and have so far received 3 of 13 bank.

What I was wanting to do was to put SC on hold fro 1 month while awayiignthe ccas and just pay the ones who have given the ccas back  and then save the rest of the money this month towards full and finals.

To see how the land lay in 1 month and just reinstate the debts who had sent an agreement back and try and chip way at the bottom with full and finals to stop it being another 5 years.

Sc have said is really bad to miss a payment and wil laffect my future. I argued not looking at gettiig a mortgage, already have Defaults etc.
They said no to on hold for 1 month. They said to see who writes back and let them know by 21stof May and then pay full amount to remaining creditors that have sent a cca.

So this would mean still paying the full amount anyway and not having anything to put towards full and finals.

I said can we not jusr pay the usual lower amounts to the 3 back and they said no.

So now wondering if self managing way to go.

What males me hesitate is largest 6k one with hs@c repayment services and sc wouldn't tell me hoe I'd go apbut paying them, is not a sort code or app etc.

The 2nd thing worrying me is do some of these creditors agree to freeze interest and accept lower amounts but it I went it alone would they reapply interest again?

Not all of them have defaulted even now as didn't realise rhat was the way to go but not really worried about gett8ng Defaults, jsur want to get this over with in most savvy way as they've had tons of interest from me and 6 of 13 with DCAs so thinking about building a pot for full and finals.

Thanks for your help, 

Wx

Winkflower

13 from 18*

Rob5342

Stepchange aren't very flexible and managing it yourself would be much easier (that way you can just do what you want without Stepchange making everything more complicated than it needs to be). I would stop paying the debts that have defaulted and that you haven't got CCAs for, and then either start paying the defaulted debts again or stop paying the non defaulted debts when you get CCAs. In the mean time put the money you are saving in a  settlement offfer fund and use that to cover any settlement agreements that you can come to. If you stop paying the HSBC one then then someone will start asking you for payments and will give you details of how to pay.

ManyWays

They said to see who writes back and let them know by 21stof May and then pay full amount to remaining creditors that have sent a cca.
That is a pretty practical approach by SC if you have only recently asked for CCAs. They will take the ones that havent supplied the CCA off in a month, so the others get more. 
SC won't let you pay less so you can build up a warchest for F&F offers. But you can help this along by seeing if any of your expenses with StepChange need to be increased eg recent bills going up, etc

So you have the choice of continuing with SC or going DIY. After 3 years creditors arent going to start adding interest again. 

Winkflower

Thankyou both so much - really helpful advice. May hang fire and pay sc whilst seeing what ccas land and then look at self managing a but later on. Good idea re budget as lots of our bills have gone up as you said.
 Thankyou 
Wx