My partner recently joined Step Change and is in the process of setting up a debt management plan. She is concerned about one of the questions she answered though i.e. Have you been on debt management plan previously? She did 'no' but in fact was on one with CCCS about 20 years ago. She told me that at that time she was told by CCCS that they couldn't help her if she had been on one previously. She settled all the debts with the creditors back then. Why do StepChange ask that question and would it prevent someone getting on a DMP today? Surely if the debts were that old i.e. more than 6 years old, and she paid them off under the DMP, there would be no record of the DMP in any case?