StepChange Debt Charity Avis 2 310

Through out the years I have been with step change they have always been very helpful and supportive in their dealings with my late husband and myself.

Step Change took all the stress and worry out of paying my depts off at the worst time in my life . They created my DMP with myself & set up the payment plan . I then did not have to have any further communication with the organisations I was in dept with. All I had to do was commit to the monthly payment . They were always available to talk to when I needed to talk to them. I felt they always had my best interest at heart. Now I am completely dept free ! I would recommend their services to anybody 100%

You could adjust payments too suit what you can afford

Clear information and instructions. Hassle-free, no judgement and regular, appropriate contact. Can all be completed online with relative ease. Able to amend monthly payment amounts whenever required. Nearer the end of the debt, DD automatically amended to a smaller amount if monthly payments exceed the remainder. An exemplary service that I highly recommend. It gives you peace of mind and enables you to live a comfortable life whilst still in debt.

Stepchange helped me tremendously over the past years to become Debt free. They were very sympathetic and put every thing in place with my creditors very efficiently. This took a huge weight and stress off of me. I would recommend Stepchange to anyone instantly that are having financial problems.

This charity saved me as was getting depressed but when they sorted my finances out the tension just subsidised

My experience with StepChange has been incredibly positive from start to finish. From the moment I reached out, I felt listened to, supported, and treated with genuine compassion. Their team were professional, patient, and took the time to fully understand my situation without any judgement.
The guidance they offered was clear and reassuring, helping me see a way forward when things felt completely overwhelming. The sure I felt comfortable with every step of the process. The whole experience left me feeling lighter, more in control, and confident about my financial future.
If anyone is struggling or unsure where to turn, I would absolutely recommend StepChange. They provide real support, practical solutions, and a sense of relief that things can get better. I am now finally debt free!

IVA- advisors were really friendly and helpful allowing me to make an informed decision. Few technical issues to start with but other than that really good service and reassuring. Big step but one I needed to make and had all the support from step change so thank you

step change have been amazing throughout the whole process of setting up my DPP.
From gathering all the information required, submitting my application and getting it up and running. To the in between support! Fantastic communication and have been so so supportive and ensuring I’m kept up to date and in the loop

In 2021, I was completely overwhelmed by debt and couldn’t see a way out. The stress was affecting my relationship, my sleep, my health and my day-to-day life. I felt trapped and didn’t know where to turn.

Calling StepChange was the best decision I could have made.

From the very first conversation, I felt listened to and never judged. They took the time to fully understand my situation and talked me through my options clearly and calmly. Together, we agreed that an IVA was the right solution for me.

What made the biggest difference was that my budget was built around what I could realistically afford, not what creditors were demanding. From the start of my IVA, I was able to keep more of my income to cover my essential day-to-day living costs, while paying back what I could afford each month. That alone lifted a huge weight off my shoulders.

The annual reviews have also been incredibly helpful. They make sure my budget reflected my circumstances and helped me plan for the year ahead.

Over the past five years, the structure and guidance StepChange provided has completely changed my life. I’ve learned how to manage my money properly, I’ve regained control, and most importantly, I’ve regained peace of mind.

I’m now coming to the end of my IVA, and I can honestly say I don’t think I would be where I am today without StepChange. They gave me hope when I felt hopeless and helped me rebuild my future.

I can’t recommend them highly enough. If you’re reading this, do it, make the call. You’ll be forever glad you did.

Unsurmountable debt was driving me into a nervous breakdown or worse. I was falling apart with worry. At this remove I do not remember how StepChange appeared on the horizon. Once I made the decision to ask them for help everything changed. In no time at all I, with the help of StepChange, had come up with a repayment plan which I could afford. There is no doubt in my mind that StepChange being involved caused my creditors to accept my repayment plan. It was not easy but having excellent support from StepChange I got through it. I now feel free again and am rebuilding my family life. I am aware that most of the creditors co - operated fully with StepChange but not all.

Wow, STEPCHANGE changed my life. I couldn’t sleep at night worrying about my debt. Then it was the Halifax who suggested them. I got in touch with them, and they couldn’t have been any kinder and most helpful than I could’ve expected. I couldn’t recommend anymore. Do it! Just do it if want peace of mind. I finish paying off my debts in April. I’m never going to get into debt again. I can’t cope with the stress!! So thanks again STEPCHANGE.

It really pains me to write this review because I know that they are a charitiy that help a lot of people. However my experience with them has been really poor.

I registered and did all my budget and decided on a token payment plan. All good so far. But setting the plan up has been a nightmare.
I provided the evidence they asked for and was asked to provide the same information over and over again. I explained the other income I had put down, sent screen shots and evidence but after several days they would ask for it again. This happened so many times it just kept stalling the TPP set up. Meanwhile my creditors were harrassing me and court proceedings were started.

The final straw came when they decided I was self employed - I am NOT. I have residual income but the advisor had no clue how to deal with this and just closed my case. They are now ignoring me despite me putting in a complaint.

Whether this is one rogue advisor or the organisation as a whole, I don't know, but the whole experience has been so stressful. I am being badgered by creditors who refuse to believe I am dealing with Stepchange and this has been going on weeks.

There seems to be no formal procedure for when things go wrong.

I tried to get some debt advice and after answering the first few questions, I got the message, that they cannot help me. I guess, that is because I am self employed, I have no idea. It would be very helpful to say that online that they cannot help people who are self employed, I wasted my time twice, although it is not nice to not be given a reason, the situation is already very stressful and that 'rejection with no reason given' makes it just worse.

Absolute life savers
Staff extremely understanding
Dont judge you
Thanks for your help, keep up the good work

Having felt overwhelmed and stressed for a long while I finally bit the bullet and applied for help with StepChange. My case wasnt that straight forward, however, I received exceptional help from a man on the phone, I wish I could remember his name as he was brilliant and he made me feel so at ease and helped me with the overall process. I now have a DMP in place, the relief and worry about being in debt is no longer in the forefront of my mind everyday, and Im able to manage my finances and get myself back on track . Thank you all so very much, I dont know where I would be right now without your support and help. Im so verygrateful, Thank you

I’m not exaggerating when I say that this Charity saved my life ,six years ago I was overwhelmed with anxiety and I couldn’t see the way forward .
But Step Change helped me to get my finances in line and after six years of hard work all been paid and I’m so grateful for it .
If you are struggling give them a call

Stepchange were great on hand with advice and were non judgemental. The whole process was easy and accessing and using the account to keep on track of the creditors and the amounts owed was easy. They did everything for you in terms of contacting creditors and sending the offers to them. I was drowning with interest being added and Stepchange really helped get out of a bad cycle I am forever grateful.

I found from the very start StepChange were extremely helpful. There advisers were very kid and helpful and guided you through each stage so you totally understood. If I hadn't contacted StepChange I would have been in a extremely dier financial situation.
I would certainly recommend anyone that has financial issues to contact them. DH

I had insight just before Covid hit knowing that I was a one parent family with two kids and my finances were spiralling out of control. I made a decision to sign up to Step Change and cut all my cards up.
Best decision I made and Step Change helped by putting in support and having all the interest freeze so that I could just pay back what I owed. It's taken 5 years but i am debt free . I still have a card for holidays and as an emergency but its manageable.