StepChange Debt Charity Opiniones 2325

After being silly getting loans and credit cards l got myself into £18.000 worth of debt l am so glad l found stepchange they worked wonders for me sorted out everything for me and today l am now debt free it took two and half years but it was worth it. I want to thank everyone at Stepchange for everything and wish everybody there a very merry Christmas and a happy New Year. 4276361

Where do I start.
Back when I needed financial help with my financial trouble I had no choice but to turn to getting a Iva, Step Change VA, at first I was not sure or in the right place to take this any further but after talking to some amazing people at step change I decided to go with it. 5 years on and this has been a life changer for my situation. Step change are there to help, the staff are there to help along the way and every year I spoke to someone different or the same person (Claire). These people are amazing and made me feel so happy as they explain everything that’s needed and what will happen next, they are truly there every step of the journey. Yes it’s a long journey but its been a pleasant one.
They now have an online system where all documents are uploaded to which is so so easy.
If you really need to make IVA then definitely pick step change.

Thank you all so much

I got in touch to get some advice and consultation and i was not ready to go agead with any plans etc,but obviously i wasn't able too unless I filled in all my debt information and bank details. After talking to a few people, I was told that they have already infringed my creditors ( banks and credit card company) about my struggle with finances.
And I noticed that sone of my banjs and credit cards which were still giving me helpful offers , changed their offers straight away. These sneaky so called Charity probably sells these kinda information to banks for a fee . Dishonest and sneaky organisations snitches.
I absolutely resent them and will warn everyone about them

I am now coming to the end of my DMP after five years. I cannot thank the staff that helped me enough especially the first phone call and the early weeks. It lifted the worry and helped me to see a way out of the debt much of it forced upon me. My only thoughts are that I should have contacted StepChange sooner. The staff are not judgemental and offer practical advice. I look forward to a debt free life now. Thank you so much.

Mixed emotions with my experience.
I’m struggling badly so I reached out to step change I’ve don’t everything on my end and that’s it I received and email with very little details on what’s next. No call back or help about helping me deals with my creditors.

i didnt know where to turn when my circumstances suddenly changed, i was panicking and felt ashamed. I found Step Change online searching for help. i contacted them online and they got back in touch with me quickly. they were understanding and factual and advised me towards a VA which i agreed to, along with all the other advice they gave. life is now calm again thaks to them!!

I want to share my experience to warn anyone considering StepChange.
I asked specifically about how a debt solution would affect my credit score. At no point was I clearly told that a default could be added to my credit file. A default is far more serious than a score drop, yet this was never explained to me.

StepChange are the experts and I trusted them to provide the full picture. Instead, I was left unaware of the most damaging consequence. I was also told they would handle my creditors and that I didn’t need to do anything further, which added to the confusion.

The Financial Ombudsman later said that because I didn’t use the exact word “default,” StepChange didn’t have to mention it — which feels incredibly unfair. Most people don’t know that a credit score and a credit file are different things, and StepChange should be explaining this clearly.

I’m sharing this so others can make an informed decision. If you’re asking about your credit score, make sure you directly ask about defaults, markers, and how your credit file will look — because that information was not clearly communicated to me.

Worse than creditors how they speak to you , very rude

I thought it would never happen to me being in debt but it did,and stressed got me down but step changeI have never never been good at working things out ,but there was always a kind person at the end of the phone who always reassure me and help me and always made sure everything was ok and now I'm proud to say I'm debt free today so a big thank you all to everyone at the step change for Ur kindness and help

The staff are amazing

Excellent customer service

Step Change Debt Charity, helped me to stabilize my debts and arranged payments to each creditor by setting up one direct debit, which they distributed.
It took a lot of weight off my shoulders and I can't thank them enough and would recommend anyone in financial difficulties to get in tough with them.

What can I say other than what an amazing company, I found myself in over £5000 in debt due to various reasons, letters and phone calls were coming on every day. I felt I had nowhere to turn. I came across stepchange and decided I decided I needed to do something about it. After filling in all the initial details stepchange did everything, the letters and calls stopped immediately. It felt like the weight of the world had been lifted and I am forever grateful for how stepchange handled everything

This debt charity was a god send, just one payment left and I'm debt free thank you for your help

Stepchange have helped me go from drowning to floating just, they have relieved worries from my life that would have claimed it, easy to deal with and a fantastic charity,thank you so much

My experience with you at a very bad time of my life was so supportive, non-judgemental, caring and extremely helpful. I am now debt free and cannot thank you enough.

This organisaion help me sort out all my debts. Ease my stress and worries.
Couldn't be more happy. I can pay off debts and be able to live peacefully day to day.

I highly recommend Step Change for help with debt. I was in a complete mess and had debts all over the place and couldn't afford to pay them all. I was soo stressed and worried about it all. My friend recommended Step Change to me and I'm soo thankful she did.
They were kind, understanding and put me at ease from the first phone call. They don't judge at all, they just want to help.
I have just made my last payment this month and it feels amazing, it was a day I never thought would come.
Over my 8 or so years with them I have had to change the amount I could afford to pay many many times, I have had times where I could only pay the bare minimum and other times were I could pay higher amounts to pay it off quicker. They are really understanding if life throws you a curve ball and it effects your finances in a negative way.
I was soo nervous about contacting them at first but im soo soo pleased I did. Don't suffer in silence, contact them for some advice!

What a fantastic charity, from the very first phone call things felt more positive than they had for a long time. We all suffer life events, death of a loved one, low pay, high taxes, redundancy, accident or illness, or a million other reasons for falling into debt. There is nothing, absolutely nothing to be ashamed of, maybe if it was an ideal world and you were the only person struggling, you could beat yourself up, but You aren't, there are millions in the same position. Do not be embarrassed, when you get contact stepchange, you are not judged, you are helped, helped in a way that means you can sleep at night, you are safe in the knowledge that there is finally a gatekeeper between you and the threatening letters and threatened legal actions. Today after 4 years, which weren't easy but easily doable if you follow the advice you are given. If you are struggling today, you could be in my position in a few years, it's honestly not as long as it sounds. Nobody deserves the stress and sleepless nights caused by debt, however you got here. So my advice based on personal experience is, get off your bum and do it, the weight will fall off your shoulders, and if you do contact stepchange, tell them my review persuaded you to do, we'll share the reward. Ha ha. Seriously, stop struggling and start living again. They cannot work miracles but what they do, and do very well is given you a structured way out. I was nervous about ringing but, it was either that or continue jumping every time the phone rang and being terrified of the postman arriving. So, bite the bullet, be prepared for a long chat, be honest and step onto the path you want to be on. Only one more thing to say, a simple but big thank you to everyone at Stepchange

A few years ago I had a large credit cards debt and it is thanks to StepChange for all their help assistance and kindness over these years that I am now debt free.
I would therefore recommend StepChange to anyone who needs help with their debt problems.