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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?

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do it yourself its easy and free and might even get some wiped out!


who says the debts are even enforceable?? have you checked?

- stepchange nor any DMP provider  don't  either bother to check they are even legally enforceable, they just blindly recommend you paying their mates at the banks and the debt collection agencies. as they get back handers from them.


could you poss list her debts please and we'll help you do it yourself.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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