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Kieran M

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Review of the StepChange, Debt advice:

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StepChange is the solution.

I was borrowing and borrowing on the run up to Christmas 2025, and it escalated to a point where I was in an extremely dark place, my outgoings far exceeded my incomings. I ended up £5.5k in the red in what felt like overnight. I tried multiple different debt advisory services and everyone of them tried to push me into an IVA, every single one. I expressed to stepChange I was not interested in an IVA, I wanted to pay my debts as I accrued them. I want my credit file to show yeah he got in a sticky situation but he dug his way out. I'm currently 4 months in, I opened to repay over £400 pm back. StepChange collect the payment like clockwork the day after I get paid and distribute to the relevant creditors. They even drafted up a letter to ask if interest could be frozen, which all creditors agreed to. Staff were humans, understanding, polite and sympathetic. I was blown away at how personal the service was. The only and I mean ONLY reason it's not 5 stars.... is because it takes the portal so long to update after creditors have been paid, you are literally a month behind which if you are debt conscious as I am, I like to see the total amount collected and the outstanding debt amounts decrease, within a few days of collection. Overall, highly recommended. You aren't alone. There is thousands of us in this situation. Reach out. Reviewed on: 6th May 2026

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