StepChange Debt Charity Reviews - www.stepchange.org

★★★★★
4.8 / 5
430
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Previously called CCCS Debt Management - www.cccs.co.uk
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StepChange Debt Charity - www.stepchange.org

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Latest Reviews

★★★★★

“I used to work full time then had to go part time due...”

Written on: 08/08/2016 by qhFarrell440 (1 review written)

I used to work full time then had to go part time due to ill health. This meant less money coming and I soon found I couldn't pay my bills, credit cards etc. After a lot of stress I contacted stepchange, they were brilliant, I spoke to one of the advisors who talked me through my options and did a budget review. Just by talking to someone and starting to address the problem I felt a huge weight being lifted off my shoulders. Stepchange contacted my creditors with the proposed offers and a… Read Full Review

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★★★★★

“I feel great!!!”

Written on: 02/08/2016 by Rosemary175 (1 review written)

I was in debt of £28,0000. I never missed a payment of my debts I just overspent on credit cards, one thing that I will never do again. I didn't know where to turn, I couldn't sleep I became a wreck!!My daughter introduced me to Step Change and thank God she did. I felt really ashamed of myself! Step Change were absolutely brilliant and worked out a monthly payment that I could afford, I thought I would never be debt free. Once I had made that call a great big weight seemed to have left my… Read Full Review

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★★★★★

“So glad I called for advive”

Written on: 02/08/2016 by gpSilva444 (1 review written)

I spent most of the day yesterday talking to a debt management company. They advised me to go for an IVA and that would cost me £80 a month. My debts are for less than £5000 and after some googling I found this to be a drastic measure. Today I received a phone call from them trying to get me to buy life insurance from one of their sister companies which would help my case. Alarm bells rang straight away and after some research I found Stepchange, I called them to ask their advice and I'm so… Read Full Review

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★★★★★

“Step change was the best decision I have eve made”

Written on: 14/07/2016 by Parkswp453 (1 review written)

Step changed worked for me my dept was getting out of hand . I blame the credit cumpanies for giving it far to easy . I have no cards what what so ever now I live within my means I had £50.0000 worth of dept £34.000 was written off due to the help of step change . And I've never slept so well I live life now that if I can't pay cash I can't afford it it's as simple as that . The step change staff where amazing thanks… Read Full Review

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★★★★★

“A supported journey”

Written on: 12/07/2016 by SadieWatson338 (1 review written)

Have a good job, bonuses, regular wage rises, share saves and cheap loans, happy days we lived to our means, then we got taken over by an American company and all of the above stopped, stupidly we buried our heads in the sand and didn't notice how much debt we were starting to get ourselves into. When the default notices started coming in it all hit me that I could lose my house, in fact everything we had built, I admit for someone usually in full control I totally lost it, to cut a long story… Read Full Review

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★★★★★

“Can Sleep At Night”

Written on: 11/07/2016 by ABaines (1 review written)

Like a lot of people I was really struggling and had been sticking myself in the sand. I contacted Stepchange and from the get go I was at ease. I initially spoke with an advisor who was amazing and so understanding and it all felt very natural speaking with him and by the end of the conversation we had a plan of action and for the first time in months I was crying happy tears and actually had the best nights sleep for a long time. Within two days I had all the paperwork to start the process… Read Full Review

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★★★★★

“Debt Free in less time than expected”

Written on: 09/07/2016 by Purplesmile (1 review written)

I was in financial difficulty as a result of my divorce settlement. Although I was making the payments on my loan, I was struggling with other basic day to day living costs. Step Change were really understanding and helped me get everything sorted out. I expected to be paying off my debt until the end of 2018 but with careful budgeting I am debt free 18 months early. Step Change staff were always helpful whether corresponding by telephone or email. I loved being able to access the online… Read Full Review

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★★★★★

“Help when I needed it.”

Written on: 06/07/2016 by 177Warner (1 review written)

I was £30.000 in debt. More paying out than was coming in. More loans to pay debts so more debts . Living off credit cards until I was at maximum and at my wits end. I rang a debt agency and was going to go with them but I would be paying then£200 a month for the privalidge. Anyway I read on the internet about debt charities and called Stepchange. It was difficult baring my soul to them and telling them how much I owed. Anyway, they drew up a debt plan and organised repayment with my… Read Full Review

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★★★★★

“Thank you”

Written on: 04/07/2016 by MariamChristian (1 review written)

I first contacted Step Change several years. I'd got myself into a mess and was in over my head. I had people calling 20 times a day and was terrified to answer the phone. I finally realised I had to act when someone came to my home and I had to hide. From the moment I started speaking to someone I started feeling better. The advisors put me at ease and treated me exceptionally well. I was put on a DMP and Step Change did it all for me. Finally this month I'd manage to save up enough to pay… Read Full Review

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★★★★☆

“Back on Track ”

Written on: 03/07/2016 by Reynoldsxj76 (1 review written)

I approached Stepchange in 2012, as after my husband was made redundant 3 times in 2 years we were in a financial mess. We were paying off debt with credit and simply did not have enough money coming in to clear the minimum payments. We were so stressed and were completely out of control, not knowing what to do as out debts amounted to over £30K. I contacted Stepchange and after it became clear that they could help me I felt as if a dark cloud had been lifted, they helped me to arrange… Read Full Review

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★★★★★

“Yes!!! £21,000 paid off in 3 years! :)”

Written on: 01/07/2016 by andrewfielding580 (1 review written)

There is always light at the end of the tunnel! :) It took me 3 years to pay off just over £21,000 and it feels great to finally be debt free! StepChange made it easy from the start, i set my basic bank account up with NatWest and consolidated all my debt's to make one simple direct debit every month. Now i can live life normally and spend money carefully well within my means. It's been a learning curve. All i can say to those struggling out there is, contact StepChange right now and make… Read Full Review

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★★★★★

“I am now debt free!!!”

Written on: 30/06/2016 by Bennettaq337 (1 review written)

About 5 years ago I lost my job & because I stupidly couldn`t swallow my pride I borrowed money to be able to keep my family in the way they had been accustomed. Eventually I had a debt with lots of credit cards well above £10K . I didn`t know where to turn & lots of debt companies were out there willing to help me out. Thankfully I had been given advice to use CCCS (Stepchange) & from then on I had someone who didn`t judge but organised a repayment plan & kept the banks off my back. I… Read Full Review

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★★★★★

“DEBT FREE AT LAST”

Written on: 30/06/2016 by nolanm (1 review written)

I'D GOT MYSELF INTO A LOT OF DEBT TROUBLE 7 YEARS AGO AND WAS CLOSE TO TAKING OUT FURTHER FINANCE BEFORE SOMEONE TOLD ME TO GET IN TOUCH WITH STEPCHANGE. HAVE JUST MADE MY LAST PAYMENT TO MY CREDITORS AND AM NOW DEBT FREE. GREAT FEELING. WOULD HAVE BEEN PAYING OFF FURTHER FINANCE FOR ANOTHER 18 YEARS. THANKS TO EVERYONE WHO HAS HELPED ME OVER THE YEARS. EVERYONE'S BEEN SO PROFESSIONAL AND KIND. THANK YOU… Read Full Review

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★★★★★

“A real weight off our shoulders”

Written on: 12/06/2016 by RoderickPadilla119 (1 review written)

Over the last four and a half years we have paid back over £30,500 and apart from our mortgage we don't owe anything to anyone. We are debt free at long last. The debts were entirely our own fault, holidays, Christmas presents, birthdays, weddings you name it we put it on the credit card. It finally got to the point that we were struggling to make the minimum payments and realised that even making minimum payment it would take years to pay it all back. We finally plucked up the courage to… Read Full Review

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★★★★★

“Able to sleep at night”

Written on: 09/06/2016 by feduptrying (1 review written)

Over the last four and a half years we have paid back over £30,500 and apart from our mortgage we don't owe anything to anyone. We are debt free at long last. The debts were entirely our own fault, holidays, Christmas presents, birthdays, weddings you name it we put it on the credit card. It finally got to the point that we were struggling to make the minimum payments and realised that even making minimum payment it would take years to pay it all back. We finally plucked up the courage to… Read Full Review

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★★★★★

“best decision I ever made”

Written on: 23/05/2016 by Emerson346 (1 review written)

I used to be scared to answer the door or even hear the mail arriving as I was struggling to pay off my debts.Then I found out about stepchange.I plucked up the courage to call them convinced they would tell me how stupid I had been allowing the debts to get so out of hand but far from it they were fantastic.Before I called I hadn't even calculated the total amount I was owing on all my credit cards and loans and was shocked at the huge sum (nearly 89 thousand pounds)but the lady I spoke to… Read Full Review

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★★★★★

“Your only regret will be not having contacted them sooner!”

Written on: 19/05/2016 by rbLamont153 (1 review written)

I contacted Stepchange in November 2012, having spend too many years in finacial ditress. I have been on a Debt management Plan (DMP) with Stepchange ever since and I can honestly say it has been one of the best financial decisions I have ever made. I am embarrassed to say that I am a qualified accountant (I should know better than to get myself into Debt right?), which contributed to a delay in me seeking help as I somehow felt obliged to manage the problem by myself. Anyway, I eventually… Read Full Review

Fitnessred's Comment

Written on: 20/05/2016

Thank you for writing this, I am also taking AAT at present, I am concerned that any employer will see that I am on a Dmp, did you face any problems?

I wonder if I will have any money left after all of the expenses are put on, I need to be brave & do it though.
One of my credit cards is with the company I bank with & my husbands business account, I'm concerned they will withdraw our accounts.
How did you manage regarding a bank a/c?

Thank you again, it gives me hope x

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Fitnessred's Comment

Written on: 20/05/2016

Thank you for writing this, I am also taking AAT at present, I am concerned that any employer will see that I am on a Dmp, did you face any problems?

I wonder if I will have any money left after all of the expenses are put on, I need to be brave & do it though.
One of my credit cards is with the company I bank with & my husbands business account, I'm concerned they will withdraw our accounts.
How did you manage regarding a bank a/c?

Thank you again, it gives me hope x

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★★★★★

“Now debt free !!!”

Written on: 08/05/2016 by MariahBroussard (1 review written)

About 8 years ago my husband and I were deeply in debt at around £64000. Bills were becoming harder to pay, even though we were both working, we were literally robbing Peter to pay Paul. In the end there was nothing left to borrow from, we were up to our limits on various credit cards, refused loans from various lenders. To say we had sleepless nights was an understatement. We couldn't discuss it with family as we feel too ashamed to admit to anyone we had allowed ourselves to get into such… Read Full Review

Fitnessred's Comment

Written on: 09/05/2016

Can I ask how you managed getting approved for things like phone contracts or anything payable monthly? Swapping mortgage deal etc. Did you feel blacklisted?

Also, did anyone ever find out that you didn't want to know?

Wish I was you, sounds brilliant but we will get there soon x

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Hils2112's Comment

Written on: 09/05/2016

Hi, we never had a problem with mobile phone or utilities. We haven't got a mortgage and haven't moved so that wasn't a problem. The budget Stepchange gives you allows you to "save" for emergencies which you have to make sure you put this amount to one side. The golden rule is never borrow any more money and only buy something if you need it. It's been a hard lesson learnt and we couldn't have done it without Stepchange help. We know our credit rating is poor but we will have to work at improving it but being debt free is a wonderful feeling. Good luck and never give up hope x

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Fitnessred's Comment

Written on: 09/05/2016

Thank you, really pleased for you both

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★★★★★

“Best thing we ever did”

Written on: 07/05/2016 by qiHurley490 (1 review written)

Before we contacted step change we didn't know how we would ever pay off our debts. Once we spoke to them and arranged a repayment plan a big weight was lifted and the worry went and we could sleep again. Now we are debt free it is unbelievable. We paid off over £42,000 so don't think you will never clear your debts,we highly recommend getting in touch straight away… Read Full Review

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★★★★★

“Took a great weight from my shoulders”

Written on: 04/05/2016 by RozT (1 review written)

Before summoning the courage to call them, I was struggling mentally and emotionally with spiralling into debt. From the first call, I was supported, empathised with and given a clear solution to my problems. I would recommend them to anyone with money worries. My debt is gone, I'm in a far far better place mentally and financially and can start afresh. 5 stars for a wonderful service… Read Full Review

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