Put my mind at rest

StepChange Voluntary Arrangements - www.stepchange.org
★★★★★
4.6
91.0% of users recommend this
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Northerndivide's review of StepChange Voluntary Arrangements - www.stepchange.org

“Put my mind at rest”

★★★★★

written by Northerndivide on 01/11/2013

I previously entered voluntary bankruptcy after (very poor) advice from a CAB adviser. Since then having no access to high street credit and three girls to provide for meant birthdays and xmas's were always a struggle, I ended up in a worse position having borrowed from payday lenders.
I look loans to pay loans and was trapped in catch 22. SC were recommended to me and though I was devastated holding my hands up to not being able to manage finances again I felt at ease immediately. SC took all my income and expenditure details over the phone without me feeling I was judged as a failure again and made new pro rata arrangements with all my creditors.
I now pay one payment to SC and they divide it amongst my lenders and I pay my own priority bills (rent, c/tax etc).
For the first time in years I can feed my family well, my bills are in control and though I have no chance of credit (I don't want any) we have in our budget days out, clothing etc - all the things we used to have to borrow for after paying credit cards etc.
I would recommend them to all who feel they have lost control, SC will have you back on track by next payday and no more red letters waiting to be opened after work.
Oh, and as they are a charity no unexpected charges which I have read others have with high street DMP's!

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