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StepChange Advice?  

 
d1994
(@d1994)

Hi all, I read on here about StepChange and have just entered all my info and they’ve recommended a “debt payment programme” at £26.66pm for 10 years and 1 month. I’m waiting to hear back from them before I go ahead with anything. I also admitted my gambling addiction which is something i’d never have done a week ago. 

currently this debt (2 credit cards that have been defaulted and 1 stupid maxxed out online store card) constantly weighs on me, however I often don’t prioritise them as they aren’t “urgent”, i pay £10-20 now and then. Bad mindset, i know.

Does anyone have any experience with StepChange, or advice about going ahead with this plan? I’ve never heard of it before joining this forum. 

I read something on here someone said about letting your debt be paid slowly in the background and live your life. I love that, but it’s hard as i’m impatient. But it’s not like i’m getting very far by doing nothing as it is! 

I should mention that I am trying to rebuild my credit score, will this affect it much?

Any stories or advice welcome! 

This topic was modified 3 weeks ago by d1994
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Posted : 5th September 2020 10:14 pm
Bladesman
(@bladesman)

Hi, I have just started a debt management plan with stepchange and posted about it a couple of weeks ago. If you search my profile you should find it but I would recommend going ahead as they have been really helpful

ReplyQuote
Posted : 5th September 2020 10:31 pm
d1994
(@d1994)
Posted by: Bladesman

Hi, I have just started a debt management plan with stepchange and posted about it a couple of weeks ago. If you search my profile you should find it but I would recommend going ahead as they have been really helpful

Thanks Bladesman - it was actually a post you’d recently been chatting in that got me interested in looking into this option!

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Posted : 5th September 2020 10:50 pm
21Anne
(@21anne)

We had a debt management plan for over three years, they were very helpful. I don't know how it would have been paid off if not for their advice and help.

 

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Posted : 8th September 2020 6:35 pm
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