When Should I Start Paying?

ManyWays

SPM87 said:

"I suspect you are less likely to get threats of court if you go through Stepchange and are paying a reasonable amount rather than making very low payments in a self-managed plan." 

this is the 2nd post you spout baseless nonsense.. you clearly must work for one of the DCAs.

OP, Stepchange get their funding from banks and Debt collectors.. they offer no safety from legal action than doing it yourself does. There is also no rule about "reasonable amounts" There are threads on here where people pay £1 for years and years and not even a single Letter of claim has been sent to them. 

Would you care to reread what I wrote? I was trying to give some specifics to the poster who asked For those 1 in 10 at the early stages that go in to legal action are there common factors for why? Your sweeping statements don't help at all. 

Of course many people have paid £1 a month for many years without court action, so what? The poster was asking about common factors for those who do have problems. Most of them don't have business debts or guarantor debts, and a house with equity. 

SPM87

I literally quoted what you said, it is clear what you are saying. Your response has not addressed my point. Why are you promoting the idea of that QUOTE... why?