StepChange Debt Charity Avis 2 310

I had debts of around 32k, run out of options and nowhere to go. I didn’t miss any payments, but debts were over 1k a month with interest. I called stepchange September 2024 and from that moment everything changed for the better. I’m down to 25k and all seems to be going smoothly. All the creditors (8) put a hold on interest which massively helped also.
Really can’t thank you all enough for the help and support.
I went with a DMP and highly recommend!

The lack of worry. Friendly agents to speak to without judgment. The ability to get on with your life without fear of bailiffs. My Debt Management Plan (DMP) finished in February 2026.

Step Change stabilised my debt situation. Their knowledge and empathy was immeasurable. I went from despair to debt free with an amazing support team. I cannot thank or recommend their services enough!

I had a very positive experience with StepChange. From the very first interaction, they were professional, understanding, and completely non-judgmental about my financial situation. It can be difficult to talk about debt, but their advisors made the process feel safe and manageable.

They took the time to go through my income, expenses, and debts in detail, helping me understand my options clearly. I appreciated how they explained everything in plain language, without pressure or confusing jargon. Together, we found a realistic solution that suited my circumstances, and I felt a huge sense of relief afterward.

What stood out most was that their service is free and genuinely focused on helping people, not making money from them. Communication was consistent, and they kept me informed at every step.

Overall, I would highly recommend StepChange to anyone struggling with debt. They provide practical support, emotional reassurance, and a clear path forward.

Very misleading, almost impossible to contact and they don't tell you about their conflicts of interest

Reached out for help and no advisers available to take a call, put me through to national debt line and no answer in 50 mins

Be careful who you trust. I contacted another company before Stepchange. They turned out to be scammers. I started getting calls from someone claiming to be a debt collector. Be sure of who You are speaking to and contact StepChange first.

I was worried about the online application because a lot of information is required. I seriously worried about giving information after the previous scam company that I had talked to. However this company is 100% legitimate.

Cons..
Hard to reach by phone.

Some emails were not responded to.

I have not been informed if creditors have stopped or reduced interest.

Pro's

Breathing space was easy to apply for and gave me 2 months in order to fix my urgent bills like car repair and missed housing service charges.

My creditors have never called me since this plan was in place.

1 easy payment to StepChange and they do everything. Budgeting is much easier as everything is paid on pay day.

You can pay by standing order. So you can choose a payment date that suits you.

If your financial situation changes then you can ask to pay more or less.

The budget that you complete online is very comprehensive and includes everything.

Now the important stuff......

Perfect, just perfect. Compared to my previous financial situation. I can breath again. I have a budget that is easy to stick to and I'm no longer struggling financially. No more scary letters. No more threatening calls. I can breath again and I can sleep at night without worrying. I have money in my pocket now and my debts are being paid.

I wanted to give this charity 4 stars because they are difficult to contact by phone but then I realised they are a charity and they are probably under pressure with lots of others to help.

Final thoughts.....

Facing up to my financial situation was the hardest part. I was in over my head and I was afraid to open my post. In fact I was terrified. This was the hardest part. My anxiety and stress levels were through the roof. This was the hardest part of setting up a debt management plan. I'm not going to lie. This was tough.

Now I'm happier than I have been in years. Contacting StepChange has been one of the best decisions of my life. I'm glad I faced up to the fear of my finances. I suggest that you do the same.

Give it a go. I promise you will be happier.

This service supported me with an IVA from start to finish. They provided non judgemental options and explained things perfectly. They kelts me updated with the process and explained the actions required from me. I felt massively supported and relieved when it was finalised.
Highly recommend even if you are just requiring advice around budgeting.

Great service when I was onboarded a few years ago, however having found myself in the situation to potentially settle my debts, I have been so frustrated trying to discuss this. Absolutely terrible wait times across multiple days and times, with wait times of over 45 minutes and being cut off several times. If I was a sceptic I would think they didn't want me to "Settle"

Stepchange is brilliant, the IVA team is very friendly, life savers ,helped me through each step.

My DMP is now repaid. I am debt free. And so, so happy I made the decision to contact Stepchange. They treated me like a human being, no judgement. If you are unsure, make that call. Change your situation, change your life.

I’ve been with step change for a few years now and they are amazing just chatting to them helps you make a decision to help for a short or long period of time
Throughly recommend

I am so glad I reached out to StepChange when I struggled. I wouldn't have been able to manage my debts without their help.

I am so grateful to this charity. I have just paid off my final debt and for the first time in years I am now debt free. If it wasn't for the empathy, lack of judgement and calm and helpful advice from Step change over the years I don't know where I would be now.

Awful customer service, did everything the asked for took ages to even set up as they were asking questions that I already answered while setting it up like 3 times same question, then after all that hustle they said I need phone, what else is needed shoes size? Hoodie size? Absolutely awful for me anyway I am contacting ombudsman about that got all the screenshots now that I needed.

Such nice people to deal with, helped me set up a a manageable DMP, liased with debtors to come to a workable monthly payment. Without Step change I would have been in financial ruin.

Help and great advice at a time when we really needed it.

StepChange really helped me when I thought becoming debt-free wasn’t possible. Don’t be scared or ashamed to contact them - their support makes all the difference. I highly recommend them to anyone struggling with debt. Thank you again, StepChange! 🙏

Just finished my Debt Management Plan and I feel that I have got my life back.
I was drowning in debt after a relationship breakdown and now I'm not.
I would highly recommend StepChange.

StepChange has really helped me. I didn't think I could become debt-free, but they made it possible. I highly recommend their services to anyone who needs help.
You won't regret it; you'll be grateful for their support.
Thanks again StepChange!