StepChange Debt Charity - www.stepchange.org

StepChange Debt Charity - www.stepchange.org

User reviews
4.8

Value For Money

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StepChange Debt Charity - www.stepchange.org

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StepChange Debt Charity - www.stepchange.org
4.76 461 user reviews
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4.8

Value For Money

User Reviews

Squiresgren1

Great Debt Advice

Stepchange is a great free advice service, we used them at a very difficult time ,there was no judgement just advice and help.we are finally debt free thanks to them.they were a shining light at the end of a very dark tunnel. If you need help definitely give them a call. Thank you stepchange.

devidwar001
4

Value For Money

Stepchange Debt Charity Service Is Great

I was facing debt problem from last years then i searched online solution for my debt issues then found the one company that is Stepchange, it is very good for us and they provide best stepchange iva advice online . Their teams are excellent..I was facing debt problem from last years then i searched online solution for my debt issues then found the one company that is Stepchange, it is very good for us and they provide best stepchange iva advice online . Their teams are excellent..

steptochanges
4

Value For Money

"i'd Want To Express My Gratitude To The Step Chan

"I'd want to express my gratitude to The Step Change for everything. I'm now ready to move on with my life without the tension and fear that had been lurking in the back of my mind! I'm so happy that I came on your website, and I'd want to express my gratitude to Helen, who helped me cope with this when I didn't know where else to turn!" 

louiseslark
5

Value For Money

In A Dark Hole

I want to say a massive thank you to all the staff I spoke to at step change, you have all been extremely helpful and helped me to get out of this dreadful hole of debt I got into. No judging, just simple helpful advice from start to finish. Filled in the online form sent a copy of my credit file was told a dro would be the best way forward, filled in all the forms sent it all back and dro was granted on 4/3/20. I would highly recommend anyone to use step change, very polite people and very helpful I can't thank them enough

rove90
5

Value For Money

Debt Free

I Was inyears debt by £20,000 got in touch with stepchange and they sorted out a monthly payment I could afford,after 5 years I am now debt free.could not fault the service always there when had any problems.would like to thank everyone for their help.would recommend.thanks

coolies60
5

Value For Money

No More Sleepless Nights

After burying our heads in the sand we finally picked the phone up and made the call which changed our lives. From that fist call all we can say is that stepchange have been most helpful throughout and have dealt with all our queries and any changes to our plan very professionally. It has taken about 6yrs but from Dec 18 we are now debt free. What a fantastic feeling thank you Stepchange. Pros - helped us get some sleep at night as we almost left it too late, Cons - None. Our falling was trying to keep up with our peers and managed to top out almost every credit card we owned and also had a bank loan that we eventually could not afford to repay had we not made that call we would have lost everything.

blakey1965
5

Value For Money

Brought Me Out Of A Dark Place 2018

I cannot thank stepchange enough from the moment I filled in debt remedy online they said a debt relief order was my best option.sent me information guide asked me to send them a copy of credit file filled in some forms helped me all the way.everyone at stepchange spoke to me in a lovely understanding nature and helped me through a very dark period of my life with this debt.paid 90 pound fee dro granted yesterday will hopefully be debt free in 12 months.the rock of worry has been lifted thank you stepchangea very helpful and positive service from start to finish and no judgement.

Clontyc
5

Value For Money

Stepchange

Absolutely wonderful service. Helped me every step of the way. Staff very professional and non judgemental.would highly recommend Stepchange . Easy to do yearly review with the staff and also online budget review

lukememory

No Ccj Removal Service Offered

I called and enquired about the removal of a CCJ. The lady I spoke with gave me the wrong advice/information about the court procedure and said I had to fill out all the court forms myself. She said Step Change did not offer any services and only assisted those in financial difficulty. If you are just looking for expert help to remove a CCJ and you are not in financial difficulty then this is a waste of time. All they want to do is sign you up for debt management.

Rofford36
5

Value For Money

Came The Day When Reality Hit!

Came the day when reality hit, unable to believe that I had got into this situation, realisation that I would not be able to deal with the situation without help, had every intention to pay my creditors but would need time. Going into personal bankruptcy was not an option of me but nearly £50,000 was somewhat daunting.

Well, CCCS as it was then, being competent and caring were able to supply the solution. You were the buffer between enthusiastic creditors and myself.

It took nearly 9 years, all were paid or accepted a reduced amount and my conscience is intact. So, I write to say could not have done it without you and offer my sincere thanks and congratulations on the work that you do.

Keep up the good work

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Q&A

sarahslater

My kids were taken in2014 and I've got into loads of money trouble. I wasn't paying any of my bills but now I'm getting ccjs bailiff letters .my leccky won't put per paymasters in.I didn't open letters for a few years I suffer badly from depression and anxiety all long with head injure {metel plate in head so I forget about things that need to be paid a lot.now I'm starting to feel a bit better I can see the mess I'm in and need help its going to take years to clean up. I don't understand some of the bills I've got. Can anyone advise me?

JillClarkson

I am going to visit a lady who has 6 credit cards with several thousand on each. What would be the best way forward for her to manage her finances given that she is getting to the point where she can't make the payments on all of them?

Em2431

I'm on a debt management plan at the moment and would like to move to StepChange so I'm with a company that doesn't charge monthly for years service. Has anyone had any problems where creditors have not accepted the arrangements with StepChange? I'm just worried that I have arrangements in place at the moment that might not get re accepted if I move company. Thanks in advance

Fitnessred

I need to contact step change following my husband being off of work due to a spinal injury, it's become so scary worrying each night and day. The only thing is I always have a car on finance or lease, if I organise a dmp would this go against me and be unable to update the car? I'm due to do this in July when my current car agreement comes to an end?

Many thanks

twgirl

I can't answer your question about the car but StepChange will be able to. Contacting them will only bring you relief and will commit you to nothing. They will talk you through all the options. I urge you to ring them as soon as you possibly can. Good luck.

mich310866

I rang and had my dmp stopped for a month due to a bereavement she said if I struggled the following month it wouldn't be a problem. I set up a d/d for the third month, I did miss the next payment and they have cancelled my plan. Obviously when people are struggling and off work with stress things go a miss I find this harsh. What can I do?

rosie09

I have been a DMP with Step Change since 2011, but am ashamed and embarrassed to say I now have further catalogue debts. Now I'm struggling with these and very worried that step change will cancel my DMP. Very worried, can someone please advise? Thanks

LizzyW

You need to be absolutely honest with Step Change and declare all your debts. Its no good hiding anything as it will only cause problems further down the line.

Don't be embarrassed, you have taken the first steps to trying to resolve your debt problems by going to Step Change in the first place so just bite the bullet and tell them exactly how much debt you have and they can then work out the best repayment plan for you and support you all the way.

Good luck.

vickytuner

How much would I pay on £5,000 debt? 

SharonDouglas

Depends on your income and outgoings, you don't pay any interest if that's what your asking, hope this helps

Nikki2212

I've just joined Step Change recently and they are going to start taking my payments around the start of next month. However I am due to make a payment to my creditors at the end of this month. This payment is on a reduced payment agreement with my creditors which ends at the end of this month. Do I still have to pay my creditors or does Step Change take over now? Does anyone know?

LizzyW

The most important thing to remember is to keep your creditors informed of what is happening. Let them know that you are with StepChange and I'm sure they will be aware of how StepChange operate. If they have already agreed to reduced payments I'm sure they will be happy that you have sought help. There is always someone at the end of the phone at StepChange to provide advice and guidance.

kjzy

I've received a County Court Claim from one of my Creditors and am now a bit nervous about attending court. Has anyone been through the Court procedure and knows what happens on the day?

LizzyW

I attended Court when one of my creditors applied for a Charging Order to be placed on my property.

I would advise you to attend Court armed with as much information as possible. Seek advice from StepChange before the Court Date and go armed with as much information as possible to support your position. The Court are obliged to consider any submissions you make aswell.

Jomiller38

Does anyone know will a debt management affect my credit score?

yellowbrickroad

It will affect your credit score, as each creditor is not getting their full payment, even if you have an agreement in place this will be documented on your credit score. x

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