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Been with Stepchange for years - looking to do own DMP

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Hi, helping a friend that has been paying Stepchange for around 8 years now and has another approx 4 years to go.

All the debts are no longer on their credit file, and they are:


Hoist Barclays Partner Finance £4,000

Lowell Finance £400

NCO Arrow £350


There were a couple more but they didn't have a CCA so closed the account.


They want to start their own one and try and clear via a F&F settlement


Before they close the stepchange account Is the Hoist one still with the OC? And if so how do we go about this regarding the CCA etc

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hoist are a Debt buyer so cant still be with BPF

send each debt owner a CCA request




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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