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Found 18 results

  1. Hi Wondered if anyone could help?? I have been payin of my debt for a LONG time through StepChange, to be precise i've paid off around £11k in 8/9 years and recently have changed to Pay Plan who have advised me to to a debt relief order which i don't really want to do. However my grandad recently passed away and my dad has £4k that he said he is willing to pay off my debt if i can get reduced payments on them all. Using the National Debt Advice Service templates and calculator i have sent letters to all my creditors which are all debt collection agencies to if th
  2. Hello, Id like some advice please. Ive just sent back the paperwork to stepchange which they have received and are processing. I have the 4 following debts...... but 3 are mine and the last one is in my nme but was opened fraudulently ( thats another story ) AquaCredit card : £4400 Hitachi Capital Finance: £5070 Vodafone: £214 FashionWorld: £170 Stepchange tell me my payment amount will be £114 each month. MY question is : Is it possible i can get some of this debt written off....and which company do i use to help me with this.....and do they charge fo
  3. Hello This is my first post to the forum. I hope you will be able to advise me how to proceed with my dilemma. Once upon a time I owned an Aqua card with a limit of £200. Not long after my circumstances changed dramatically overnight for reasons I won't go into, but I had no option but to go to Stepchange for help. They created a debt management plan for me and I paid my debts off on time with them. Once my time with Stepchange came to an end, I started to received letters from Lowell who had allegedly bought the debt from Aqua at £315. It turns out Aqua had ref
  4. Hi everyone, Ive been paying a DMP with Stepchange for almost 2years now. I was told by someone today that my debts can be challenged and possibly written off. Is this correct and if so, do you think I'd be able to cancel the DMP? Thank you
  5. Hi all, Well after following all the great advise on this forum CCA letters to creditors etc. I am now in the position where I would like to cancelling my DMP with StepChange, going alone ( only 2 creditor have relevant paperwork ). Ive had a look, but I can't find any template for termination of DMP any help would be great as I'm no letter writer. Do I just request termination or do I have to give reasons etc. Many thanks Helen
  6. Old CCCS now Stepchange have used them since 2009 and they have been OK, but for sure they will not help to challenge any debts. Have claimed back all PPI and charges, now paying 5 creditors £5 a month each. I have asked the question, have they attempted to suggest that this small amount cannot be worth their while collecting as it must cost each creditor or DCA more to administer, example LINK send a receipt each month for £5 through the post, has anybody had any success with getting these debts written off ?
  7. Hello. Im thinking of asking stepchange to setup and manage a DMP for me. from experience are these good people to be dealing with? , do they have decent clout in the market to help keep the creditors of my back?
  8. I've had a Barclaycard for a little over a year now but more recently came to the realisation that our household credit was out of control and contacted stepchange. I set up a DMP through them and most of my creditors have played fair, accepting the reasonable offering and I've heard little from them since. Barclaycard however are noisy little cherubs. The first payment to them (although actually above the minimum payment due to an interest free period) was a day later than the statement date, so I'm consistently 'a month behind'. They're rewarding me with several phone calls a day, most
  9. I finally faced up to my huge debt problem and went through the CCCS to try and get life back on track. A repayment plan was made Everything's been great so far, apart from the Halifax who only let you have 6 months before they default you and send to DCA. So, I have now have defaults (through the Halifax) which I would love to get removed from my credit file. Having sent signed CCA requests to each of the credit card companies, so far, they've sent agreements just printed out (no signature) or application forms. They say that they don't have to send true copies with
  10. Rather than go through rubbish Stepchange, I intend to leave Stepchange and make payments to creditors ourselves. But, will making these individual payments hinder our possible mortgage application in a few years?? If we start making eg, £1 payments to a creditor, these will show on our bank account. If a mortgage provider scrutinises our account and sees payments like this to creditors, will it ring alarm bells/raise questions? Some of these debts have vanished from our credit report and I was just hoping that they stay hidden. Thank you for any advice
  11. My wife and I have been on a Stepchange DMP for 4 years - we had over 30 creditors to begin with but now have around 20 and have paid off about 70% of what we owed. One of the remaining creditors - Cahoot - has recently contacted us to say that they are writing off the amount owing (which is £1579) because they have failed to provide us with any statements since the start of the DMP. Looking at the other creditors there are 2 more on there who don't send us any statements either. Is it worth raising this as a complaint with them? If so what wording should we use? They
  12. Hi guys, I have a few debts i want to put into DMP however not all my debts as some debts i will be able to sustain as long as i can get my short terms into a DMP (such as 3 payday loans and 2 credit cards totalling £1800 (approx) ), firstly is it possible to select which debts you put into DMP? Secondly what are good DMP companies to turn too? I tried doing a review search but clearly alot of fake reviews for companies. I have tried stepchange but to be honest they made my situation worst, dont know if i just got a bad advisor or what, but ev
  13. Hi all, Glad to be here. I'm a long time browser and a new user. This forum has gave me great ideas in the past and I have helped my friends by reading advice on here. Now for my story. I have been with Kensington Finance for over 5 years. I was aware of free ones but thought that it was too much hassle as my debts were surrounding me. I was not thinking clearly and wanted a quick way out. In fact, I got referred to them by someone I knew. He said that they are good, no hassles blah, blah blah. Like a naive person, I arranged a DMP with them. They put me on a DMP on £90 a month (£4
  14. I set up a dmp with Stepchange recently for a debt i have with Barclays which is around £3000. Stepchange sent me a text message as well as emails and paperwork confirming the dmt plan is set up and the first payment is due next week. However on Saturday 27th Feb Barclays sent me a letter in the post saying We regret that we have not been contacted by this agency (Stepchange) to confirm they are dealing with your finances and we cannot hold collections action against this accout any longer. Today i contacted Stepchange to ask them about the letter Barclays sent and Stepchange s
  15. Hi All, I am currently on a DMP wuth Stepchange and all but one creditor (CFO) have stopped contacting me. As it stands I owe CFO £512, on my DMP statement 3 payments have cleared and been sent to them. A couple of months into my DMP I recieved a text message from CFO saying "Good Morning, as you have failed to honor your agreement with CFO, all your numbers have been uploaded to be called re arrange a payment" I called them up and explained that I was on a DMP and they told me they had not recieved any literature. I called Stepchange and they sent out another letter.
  16. Hello all, This is my first post and I have been reading other threads but I am still not quite sure what to do and need some help and advice please! I have a few debts which total approx £16k and until now I have been managing it by myself but after several things happening over the last year we have had to reduce payments and I have had to start speaking to StepChange. They have come up with either a DMP or IVA but we are currently thinking against IVA. I am contemplating DMP or just trying to go it alone with one of their letter templates and do not know which option is be
  17. I am after some advice. Really stressing me out now!! Basically I entered a DMP on 09/2009. I have currently paid £5,527 to date with a further £8,488 to pay but I am increasing payments to £510 per month so this will be clear by mid 2014. I have been looking at me credit file with experian and noticed the following default dates.... Lloyds TSB (17.02.2012) Also says Arrangement start date was 01/12/2009 and end date was 01/06/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. Lloyds TSB (10.02.2011) Al
  18. Hi I set up a plan with Step Change (formerly CCCS) and Minicredit is not happy. Apparently they don't accept DMP's or something like that, but what is more strange is that I recieved a call from Step Change saying that I should contact them to tell them to send the debt to a third party so Step Change can deal with the debt. (DCA or something). I don't know.. it doesn't makes sense to my, this is the email I received from them, what should I do please? Thanks! "Microcredit Ltd does not deal with debt management agencies directly due to the Loan Agreement and the payment methods
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