Great organisation
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 was not enough to cover all my priority and non-priority debts.
I was at my wits end with what to do when a Google search came up with StepChange.
I gave them a call and immediately felt here was someone who could actually help me. After a long conversation during which I never felt rushed I decided to go for a DMP. During the next few weeks there were a few more phone calls, emails with information - my budget breakdown, how to deal with creditors asking for repayment etc - and then StepChange took over for me. It took a huge weight off my shoulders knowing they are acting for me.
Yes, it's going to take a bit longer to clear my debts and my credit rating has hit rock bottom, but I'm not worried because I cannot foresee any future need for credit.
To anyone reading this I strongly suggest you give them a call but don't be surprised when the system tells you are number 20 or 30 something in the queue and you think "I'm not waiting that long"!! I can assure you your number in the queue will decrease with surprising rapidity and it wont be long before you realise there are genuine people willing to help you.