StepChange Debt Charity Reviews 2,037

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. People express immense gratitude for the positive impact the company has had on their lives, with many stating that the company helped them regain control of their finances and provided a path towards becoming debt-free. Consumers appreciate the feeling of support and understanding they received during difficult times. Customers consistently praise the staff for their friendly, helpful, and non-judgmental approach. Many highlight the professionalism and expertise of the team, who patiently guided them through various options and created personalized plans to suit their needs. The company's ability to handle communications with creditors on behalf of their clients is also highly valued, as it alleviates a significant amount of stress and worry.

Based on these reviews

Rated 5 out of 5 stars

Honestly cannot recommend StepChange enough. Advisor Steve held my hand through what was such a daunting process in getting my financial situation back on track. He was patient, always available and n... See more

Company replied

Rated 5 out of 5 stars

After nearly five years of being in debt as a result of job loss following Covid, today I paid the last payment to my bank creditors. Step Change helped me every step of the way in organising afforda... See more

Rated 5 out of 5 stars

Contacted Stepchange 5 years ago and it was the hardest thing to do to reach out to them but they were so caring, compassionate and treat me like a human not failure. They talked me through all my opt... See more

Rated 5 out of 5 stars

Step change helped me after being made redundant. Sorted my credit cards and loan into one easy payment each month. Back at work and have been paying off towards being debt free for three months. They... See more

Rated 5 out of 5 stars

Getting in touch with Step change was the best thing we could of done, we were drowning in debt with the interest rates on 2 different cards.we were being harassed non stop from the banks, but once S... See more

Company replied

Rated 5 out of 5 stars

The people at stepchange are incredible I can’t speak highly enough. My plan has one payment left to conclude all my debt, this has been a few years but made an awful situation bearable and structured... See more

Rated 5 out of 5 stars

StepChange have been amazing from start to finish & all the ups & downs in the middle. If you are worried, don't know which way to turn, need help but to afraid to ask for help believe me just do it &... See more

Company replied

Rated 5 out of 5 stars

Ive only been in this plan a few months but its actually made my life worth living again! I was drowning and couldn't bare to tell my family either but I took back control when searching for help and... See more

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Rated 5 out of 5 stars

I was falling abit behind with my debt payments. It was worrying me with how high interest rates are that my payments weren't even covering the interest and I know I was getting in a mess.I looked up... See more

Rated 5 out of 5 stars

From first contact to completion of my debt management plan, I was kept informed of my progress, when I did have a query or needed to make a change, staff were very helpful. Please don't be afraid... See more

Company replied

Rated 5 out of 5 stars

Please do not hesitate to ring stepchange your fears will be dissolved in seconds staff are amazing helpful full of advice unjudgmental and very professional, I personally can honestly say I don't kno... See more

Company replied

Rated 5 out of 5 stars

Step change helped me with a DMP. Had excessive credit card and bank loan issue. They took on all communications with debt companies and dealt with agreeing a settlement over a period of time with in... See more

Company replied

Rated 5 out of 5 stars

Without Stepchange I would have been in more debt because of not being able to cope with my situation . They have been there all through my problems non judgemental and sorted without complications !!... See more

Company replied

Rated 5 out of 5 stars

Stepchange came into life when I needed help most. I had recently got divorced and couldn’t make ends meet. I got into several thousands of pounds debt. Stepchange helped me by setting up a debt manag... See more

Rated 5 out of 5 stars

Following a rapid series of lifes events, my debts piled up. I always thought I could manage the debt, however due to the series of events reached the point of no return. My bank advised me to conta... See more

Company replied

Rated 5 out of 5 stars

Been with them a long time (CCCS, originally). Helped us climb out of the depths of dispair, when there seemed no way out of our constant and increasing debt problem. They listened, they offered helpf... See more

Company replied

Rated 5 out of 5 stars

I found myself without a job, bills to pay and debt that was only increasing. Step Change was a turning point and they were so understanding, they made me feel like I could actually pay off my debt. T... See more

Company replied

Rated 5 out of 5 stars

I cannot thank Step Change enough for guiding me through clearing my debts over the past few years. Initially I was very wary about talking to such an organisation, but they soon put me at ease, by t... See more

Company replied

Rated 5 out of 5 stars

My husband and I can't thank Stepchange enough. They have been brilliant, very very helpful and understanding. Without their help I don't know what we would have done. Thank you to all the staff at... See more

Company replied

Rated 5 out of 5 stars

Such a great company, very empathetic about my situation. No judgement just solutions that were the best for me. Dont hesitate to use STEPCHANGE, they give you So much help

Company replied

Rated 5 out of 5 stars

I recently completed my IVA with StepChange and cannot thank them enough. The advice I received was clear and helpful, and I felt supported throughout the entire process. I was apprehensive at the st... See more

Company replied

Rated 4 out of 5 stars

Whilst I have found their help in supporting me through my present financial problems, there are certain aspects I have struggled with. ie:- I find that if you could be allocated one represen... See more

Rated 5 out of 5 stars

Hi I started with you about 6 years ago and your service has been superb always so helpful and very polite never had a problem thank you so much you have changed my life around thanks for everything J... See more

Company replied

Rated 5 out of 5 stars

Step change saved my life when it came to my finances. They helped sort everything out and went through my budget with me and it was an affordable payment plan that was put in place with regular revi... See more

Company replied

Rated 5 out of 5 stars

I am working with StepChange long time,they help me with all problems what I have, very kind staff, very good communication, they all the best, thank you very much for all they done for me.

Rated 5 out of 5 stars

Absolutely first rate. Wish I’d spoken to them sooner. They arranged a DMP for me and spoke to all my creditors on my behalf. Such a weight off my mind. If you’re in any sort of debt, don’... See more

Rated 5 out of 5 stars

Step Change helped me out at a very difficult point in my life. They arranged a plan suited for my needs and were always very helpful and understanding. I wouldn't hesitate to recommend them to any... See more

Company replied

Rated 5 out of 5 stars

contacted Stepchange six years ago because my credit cards etc had got out of hand. it was scary and embarrassing, but the people at Stepchange were great. they reassured me and sorted everything out... See more

Company replied

Rated 5 out of 5 stars

Step Change have been very effective in sorting out an effective strategy to pay off my debts. Takes guts to make the first move, but you'll be glad you did. It's taken hard work to budget, but well w... See more

Company replied

Rated 5 out of 5 stars

StepChange have been so helpful and understanding.i will be debt free after one more payment and the relief that it’ll all be done has taken such a weight off. No more debt stress and anxiety.

Company replied

Rated 5 out of 5 stars

Everyone I had contact with, were always friendly and very helpful. I never felt judged. I was given plenty of time to make sure I had all documents needed for when I needed them. Although it seemed l... See more

Company replied

Rated 5 out of 5 stars

After suddenly losing a large chunk of my income I ended up in the dreadful situation of living off credit cards. Eventually it got to the point where all my credit was used up and my other income... See more

Rated 5 out of 5 stars

So far, I can’t rate them highly enough. Being able to complete everything online was really helpful to me, I was getting frustrated with other companies saying they needed to call me et... See more

Company replied

Rated 5 out of 5 stars

A friendly and supportive team who set up my VA with understanding and professionalism. My only regret is that I didn't contact them sooner. If you're struggling, give them a call.

Company replied

Rated 5 out of 5 stars

StepChange has saved me a great deal of hassle being able to sort my debts in one place and doing all for free is just epic , they have my thanks

Rated 5 out of 5 stars

From the day I first contacted stephanotis they made everything so easy and handled all my debts so i received no more letters or phone calls I wish that I had known about their great service sooner B... See more

Company replied

Rated 5 out of 5 stars

This has got to be one of the best ways to clear your debt off. When I first took the bull by the horns so to speak, making that first call to StepChange, I felt embarrassed that I’d got myself in the... See more

Rated 5 out of 5 stars

I have been dealing with Charlotte Cox. She is friendly and helpful. I couldn't have asked for a better person to help me through my VA process. I feel like I can get my life back on track.

Company replied

Rated 5 out of 5 stars

I got InTouch about 18 years ago.they were very helpful and supportive.i really don't know where I would be today without there help. They really did save my sanity. They was there whenever I needed... See more

Company replied

Rated 5 out of 5 stars

After losing my job in early 2024 with a lot of debit StepChange was a life saver, and I am now paid up and out of debit.

Rated 5 out of 5 stars

Was obviously struggling that’s why I contacted stepchange…it took no time at all to get my account up and running …I went online on a Sunday morning to get things started and literally within an ho... See more

Rated 5 out of 5 stars

About 3 months ago I got in touch with stepchange it was the best thing I did the lady on the other end of the phone listened to every thing I told her and then she gave me some options to choose... See more

Company replied

Rated 5 out of 5 stars

I Contacted Stepchange 4 months ago and it was the hardest thing I have ever had to do asking for help, but they were so caring, and treated me like a person not someone that was supid. . They talk... See more

Rated 5 out of 5 stars

Quite literally saved my life, I am now debt free and able to live life more fully Thank you so much for existing and helping people like me

Rated 5 out of 5 stars

Stepchange have always been there for me. I’ve had a couple of DMP’s with them which I am not proud of but I’ve paid them off successfully with their help. I’ve recently been diagnosed with ADHD which... See more

Rated 5 out of 5 stars

It got toba stage where I was scared to sort my debits out because of the companies putting pressure and threatening letters but I took a leap and rung step change. I felt embarrassed having to do it... See more

Rated 5 out of 5 stars

I remember being so scared of starting the process. Once that parts over it was much more chilled. Finally got the end and I’m so glad I took the plunge.

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Company details

  1. Credit Counseling Service
  2. Charity
  3. Debt Relief Service
  4. Insolvency Service
  5. Mediation Service
  6. Non-Bank Financial Service

Written by the company

With over 30 years of experience, we have helped millions of people deal with their debts and take control of their finances. Take a look at some of our reviews to see what our clients think of us.

Why Choose StepChange?

Written by the company

Free debt advice
You don’t pay anything for our help. We look at your personal situation and recommend the best solutions for free.
Putting people first
We always come from a place of compassion and base our advice on your personal situation.
Instant online help
You can use our online tools anytime, so you can get help at your own pace.
Expert advisors
If you would rather speak to someone, our team of friendly advisors can help you take control of your debts.
UK's largest debt charity
We help hundreds of thousands of people every year and have been for over 30 years.
Trustworthy advice
We are regulated by the Financial Conduct Authority (FCA) so you can be sure the advice you are getting is right for you.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 93% of negative reviews

Typically replies within 2 weeks


Rated 5 out of 5 stars

I am finally debt free …

I am finally debt free and I couldn’t have done it without step change they have changed my life and I will be eternally greatful,they were so great with everything including my budget and just being there when I needed to talk to them about a letter that came through I highly recommend them and now I am debt free I can’t finally start enjoy living my life again,Thankyou step change

October 13, 2025
Unprompted review
Rated 5 out of 5 stars

Helpful and friendly

When we started this long journey it was with CCCS now Stepchange. They have been extremely helpful and supportive through hard times and now it's at the end,with all debts behind us.

October 8, 2025
Unprompted review
Rated 5 out of 5 stars

Invaluable support

It was a big step to seek proper help but it was definitely the right decision! Once StepChange were involved and my DMP was in place, creditors behaved differently. If you have CC debt, interest payments stop. All debts are paid in one affordable payment, repaying each creditor(s) a set amount. Trying to manage debt on my own was incredibly stressful and daunting. StepChange are highly recognised, and their support made my debt more manageable and much less stressful. I’ve finally finished paying off all my debt and it’s such a relief. StepChange’s support has been invaluable and non-judgemental and I can thoroughly recommend their service to anyone. I would like to thank them for their help and support over many years. It’s a great feeling being finally debt free!!

October 12, 2025
Unprompted review
Rated 5 out of 5 stars

INCREDIBLE, LIFECHANGING

Honestly cannot recommend StepChange enough. Advisor Steve held my hand through what was such a daunting process in getting my financial situation back on track. He was patient, always available and no question was too much. Using this company has changed my life. Would highly recommend and thank you so much.

September 4, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your review and recommendation! We’re so pleased to hear you are happy with our service and advisors 😊

Best wishes,
Kate from StepChange

Rated 1 out of 5 stars

Novuna finance agreement for a kitchen…

Novuna finance agreement for a kitchen went horribly. The kitchen wasn’t delivered until damaged in a crash and delivered to me in pieces. I contacted the magnet kitchens to fix the issue and they told me that they have photos from several days prior that the kitchen was in good condition. So I refused to pay since I never received a working kitchen.

Novuna found in my favour that the kitchen wasn’t delivered and therefore I wasn’t contractually obligated to pay until delivery was completed 3 months later upon delivery.

I offered to pay at this point and began payments however Novuna keep sending me to this charity and keep saying I’m in debt. The charity staff do not understand regulations and keep explaining to me regulations which don’t apply.

Then I say this is incorrect I’m not sure why Novuna keep sending me here maybe you can speak to them and they hand up. Not a good charity if they don’t understand the regulations

October 8, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi Adam,

Thank you for taking the time to leave a review. We are sorry your experience has not been as good as we would like.

If you would like us to look into your case further, we will need a few more details from you. Could you get in touch us at customerrelations@stepchange.org with your name, client reference number (if you have one) and as much info about the issue as possible?

We will do our best to answer any questions, clear up any confusion and address any problems you might have had with us.

Best wishes,
Michael from StepChange

Rated 5 out of 5 stars

StepChange have been wonderful and…

StepChange have been so helpful and understanding.i will be debt free after one more payment and the relief that it’ll all be done has taken such a weight off. No more debt stress and anxiety.

October 3, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review and congratulations on being debt free! We’re so pleased to hear our service helped to relieve some of your stress.

Best wishes,
Kate from StepChange

Rated 1 out of 5 stars

Do not waste your time

Waste of time, 4 months of phone calls all for nothing all the time ive wasted on these useless people

October 2, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi James,

Thank you for taking the time to leave a review. We are sorry your experience has not been as good as we would like.

If you would like us to look into your case further, we will need a few more details from you. Could you get in touch us at customerrelations@stepchange.org with your name, client reference number (if you have one) and as much info about the issue as possible?

We will do our best to answer any questions, clear up any confusion and address any problems you might have had with us.

Best wishes,
Michael from StepChange

Rated 5 out of 5 stars

Step Change are very effective

Step Change have been very effective in sorting out an effective strategy to pay off my debts. Takes guts to make the first move, but you'll be glad you did. It's taken hard work to budget, but well worth it to pay everything off and have peace of mind.

September 30, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review. We’re so glad to hear you’re pleased with the service you received 😊

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

Voluntary Arrangement

I have been dealing with Charlotte Cox. She is friendly and helpful. I couldn't have asked for a better person to help me through my VA process. I feel like I can get my life back on track.

September 30, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review! We are so pleased to hear how happy you are after speaking to our friendly advisors! :)

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

Best help i have ever received .

Following a rapid series of lifes events, my debts piled up. I always thought I could manage the debt, however due to the series of events reached the point of no return. My bank advised me to contact Stepchange and it was the best thing I have ever done,. with expert guidance a DMP was arranged and now after a long road all my debts have gone.
Thank you to all at Stepchange, and without wanting to sound over the top, you saved my life.
I now look forward to a new chapter. Thank you all

September 30, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review and congratulations on being debt free! We’re so glad to hear you’re pleased with the service you received 😊

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

From the day I first contacted…

From the day I first contacted stephanotis they made everything so easy and handled all my debts so i received no more letters or phone calls I wish that I had known about their great service sooner But I am now debt free and all it took was one phone call to get started

September 10, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review and congratulations on being debt free! We’re so pleased to hear you’re happy with our service 😊

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

StepChange have been amazing from start…

StepChange have been amazing from start to finish & all the ups & downs in the middle. If you are worried, don't know which way to turn, need help but to afraid to ask for help believe me just do it & do it now. From the beginning I was not judged, yes you have to answer questions about your finances but the team were so friendly, professional & best of all it's all free advice. Once I had my initial consultation everything from then on was such a weight lifted from myself & my family. They set up a single payment & then they contacted all my debtors taking all the stress away. They were always on hand to help during my DMP & it was always easy to contact them. I am now debt free and stress free & it's all thanks toStepChange. Thank you

September 29, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review and congratulations on being debt free! We are so pleased to hear how happy you are after speaking to our friendly advisors :)

Best wishes,
Kate from StepChange

Rated 1 out of 5 stars

Disappointing

I have trusted StepChange for many years, but sadly my recent experience has been extremely disappointing.
I was given incorrect information and promised callbacks that never happened. When I did manage to speak with someone on the phone, I found the staff abrupt and unhelpful. Updating my income and expenditure online was difficult enough, but the response I received afterwards was even worse – just a cold, pre-written email suggesting I either go bankrupt or sell my house, with no explanation or real guidance.
I raised a complaint which was upheld, but even that was handled poorly. The response I received was unfriendly and cold, with no follow-up support or reassurance offered. It felt like I was being dismissed rather than helped.
To add to the frustration, their website says they are open on Saturdays, but in reality, they are only open Monday to Friday. This caused unnecessary confusion at a time when clarity and support were needed most.
Overall, the service fell far short of what I expected from a charity I had trusted for years. Really disappointing experience!

September 1, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi Antje,

Thank you for taking the time to leave a review. We are sorry your experience has not been as good as we would like.

If you would like us to look into your case further, we will need a few more details from you. Could you get in touch us at customerrelations@stepchange.org with your name, client reference number (if you have one) and as much info about the issue as possible?

We will do our best to answer any questions, clear up any confusion and address any problems you might have had with us.

Best wishes,
Michael from StepChange

Rated 5 out of 5 stars

Such a great company

Such a great company, very empathetic about my situation. No judgement just solutions that were the best for me. Dont hesitate to use STEPCHANGE, they give you So much help

September 29, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review. We’re so glad to hear you’re pleased with the service you received 😊

Best wishes,
Kate from StepChange

Rated 4 out of 5 stars

Valuable Help and Support

Whilst I have found their help in supporting me through my present financial problems, there are certain aspects I have struggled with.
ie:- I find that if you could be allocated one representative to handle your case. I now have such a person, as she offered to allow me to contact her directly.
This saves valuable time when contacting yourselves, as she doesn't have to spend valuable time on our call reading through previous call notes, which are extensive due to my case being different from the usual debt situation.
Therefore, our call takes much longer, wasting time that they could be helping other people in a similar situation.

I do appreciate all the help I have received, as I spent nearly a year with CAP, which eventually admitted they couldn't help me, given my particular debt situation being different to the norm.
I find my whole situation so difficult, which causes me stress, and also affects my health condition.
There is so much you have to deal with, as I have no other family members or close friends who are capable of supporting me with my present situation.

March 15, 2025
Unprompted review
Rated 5 out of 5 stars

Easy and quick

Getting in touch with Step change was the best thing we could of done, we were drowning in debt with the interest rates on 2 different cards.we were being harassed non stop from the banks, but once Step change got involved the worry was taken of our shoulders. They don't judge you, they genuinely want to help you which they have. I would urge anyone in debt to immediately contact this company and let them take the stress of dealing with the big boys . You will not regret it, our plan has come to an end and we are delighted. Step change Thank you x

September 28, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review and congratulations on being debt free! We are so pleased to hear how happy you are after speaking to our friendly advisors :)

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

When i engaged with step change i was…

When i engaged with step change i was apprehensive at first but its been the beat move i made my overspending and accumulation of debts was getting out of control i was living beyond my means but my experience has taught me to budget myself and avoid the temptation of falling into bad habits again im truly grateful for the experience and would recommend it to anyone with similar experiences its helped me a lot

October 1, 2024
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your review and recommendation! Congratulations on being debt free! :)

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

Help when ever you need it !Without Stepchange I would have been in…

Without Stepchange I would have been in more debt because of not being able to cope with my situation . They have been there all through my problems non judgemental and sorted without complications !! Thank you so much to all the people I have spoken to x

September 28, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your kind review! We are so pleased to hear how happy you are after speaking to our friendly advisors.

Best wishes,
Kate from StepChange

Rated 5 out of 5 stars

contacted Stepchange six years ago…

contacted Stepchange six years ago because my credit cards etc had got out of hand. it was scary and embarrassing, but the people at Stepchange were great. they reassured me and sorted everything out for me. now at last I am debt free. thank you Stepchange. I would recommend anyone to do the same as I did

September 26, 2025
Unprompted review
StepChange Debt Charity logo

Reply from StepChange Debt Charity

Hi there,

Thank you for your review and recommendation! We’re so pleased to hear you are happy with our service and advisors 😊 Congratulations on being debt free!

Best wishes,
Kate from StepChange

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