Tom's community profile page - Smart Money People

Write a review

Newsletter

Go to business site

Viewing profile for,

Tom

Total reviews written

Helpful marks given to their reviews

Times reviews seen

All reviews (1)

Review of the StepChange, Debt advice:

View on product page

My life is back!

I’m already up to my eyeballs in debt. I took the initiative and sought financial help earlier on last year. Something I was really proud & relived about myself doing because I was putting it off for years. I really wish I did it much, much sooner when I lost my job even though I was in debt by then anyway, albeit no where near I am now. I cut up all my credit cards and threw them away and unlinked everything off my accounts online. I work with StepChange who pay all my credit bills. £150 is paid to them monthly that is then split in varying amounts to each of my creditors. It doesn’t stop those accounts from being defaulted, but it makes sure everyone is paid monthly on time and all creditors can see that I’m working with a debt relief charity to put my finances right. It took a huge amount of mental strength to set this up and speaking to them & each of my creditors for months to organise these new smaller manageable payments. Countless lengthy phone calls and emails back and forth for 4-5 months. It was a nightmare. It’s reviewed annually, but nothing will really change because my debt is so much. My life is now back on track. Reviewed on: 27th May 2026

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.