Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • louspoon
    • By louspoon 9th Nov 18, 10:47 AM
    • 4Posts
    • 2Thanks
    Stepchange have cancelled my plan - advice needed
    • #1
    • 9th Nov 18, 10:47 AM
    Stepchange have cancelled my plan - advice needed 9th Nov 18 at 10:47 AM
    Hi everyone,

    I am needing some advice as I am panicking badly.

    I had a letter from step change out of the blue to say my plan was cancelled. I believe a direct debit was missed and it was a shock to me as I thought the direct debit had been collected. SC have my email, they have my telephone number. I don't get why they haven't called me to let me know as if this was the case I would have made sure that funds paid. I have been in between jobs and my salary has been all over place and at different amounts.

    The phones calls from debt collectors at all hours have started up again on both mobile and home phone as well nasty threatening letters. I am trying to get back on my feet and managed to secure a job which has the potential to go higher, however I am on a contract basis. Now I feel like I am at risk for losing everything.

    I am in a position where I cannot call them at work but I can email, so have sent an email today in the vein hope that will have some discretion and reinstate my plan.

    If they won't reinstate my plan, please can someone advise me what to do?

    Many thanks.
Page 1
    • January2015
    • By January2015 9th Nov 18, 11:17 AM
    • 2,336 Posts
    • 5,529 Thanks
    • #2
    • 9th Nov 18, 11:17 AM
    • #2
    • 9th Nov 18, 11:17 AM
    Manage your DMP yourself. It is really easy to set up and organise with the help of the NEDCAB DMP website.

    Loads of us self-manage our DMPs and actually find it far better for us than using Stepchange or one of the other free providers.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • sourcrates
    • By sourcrates 9th Nov 18, 11:51 AM
    • 16,177 Posts
    • 15,295 Thanks
    • #3
    • 9th Nov 18, 11:51 AM
    • #3
    • 9th Nov 18, 11:51 AM
    As above, pay it yourself, you don`t need a 3rd party to operate a DMP for you, do it yourself, all stepchange do is pass on your payment, cut out the middleman, and pay directly, as you did before you got into financial trouble.

    A simple letter to all creditors explaining your situation, and asking for a 30 day hold is all it takes, if you don`t have their payment details, ask for them, then just continue payments as previously agreed, nothing could be simpler.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly". I have extensive experience of debt, and itís solutions, as well as the collection industry in general.

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • fatbelly
    • By fatbelly 9th Nov 18, 12:11 PM
    • 13,231 Posts
    • 10,291 Thanks
    • #4
    • 9th Nov 18, 12:11 PM
    • #4
    • 9th Nov 18, 12:11 PM
    I agree with all the above. This may be a blessing in disguise.

    For now, try to block the phone calls. If that doesn't work, you may need a new number.

    File the letters logically. You don't need to study the content unless it's a formal pre-action letter which should come with a return envelope. They are not that common but you need to be aware of the process.

    If you want more detailed help we'll need a statement of affairs
  • StepChange_Rachael
    • #5
    • 12th Nov 18, 3:37 PM
    • #5
    • 12th Nov 18, 3:37 PM

    I came across your post, hope you don’t mind me commenting. If there are multiple missed payments then at some point we’ll have to cancel the plan, but we would make attempts to get in contact first. Is it possible we don’t have your up to date contact details, If we do and you only received one form of contact through the letter advising the plan had been cancelled, then we can certainly look into this for you to find out what happened.

    You can of course deal with your creditors yourself if this is what you’d prefer to, but if you would like to come back for further support we’d be happy to help discuss this with you. Here you can find our contact details.

    Take care,
    Last edited by StepChange_Rachael; 12-11-2018 at 3:41 PM.
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,778Posts Today

8,061Users online

Martin's Twitter
  • As normal I am signing off twitter for the weekend - to spend time with mini and Mrs MSE. Hope you have a wonderfu?

  • RT @LauraFrancis9: Top crew! We may film in the freeeeeeeezing cold every week, but this bunch make it fun. (And huge thanks as always to @?

  • Turns out this is all Google served. We've been in touch and it's shutting it down which should cut it on many webs?

  • Follow Martin