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Jonathan L Lawrence

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Review of the StepChange, Debt advice:

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From a bad place, with their help I broke the chains of debt

I had gotten into a bad position with £15k of debt, and despite a decent wage to service my debts and survive, I was still in a cycle of using payday loans to try and make it through the month. Round and round I was going, desperate. I tried to get a loan to consolidate my debts, but by that point, my credit rating had tanked. I was approached by a company about a debt management plan, they wanted money for the service though, and with the added fees it was going to take a while to break free of my chains. I was fortunate, I looked around, thought maybe I could find someone with lower fees, and ideally a better reputation. Came across StepChange, they were a charity with a fantastic reputation, and they had no fees. I went through the process, laid bare all I owed, and all I earned. And lo and behold, I had a plan to be debt free in four years, I had support, I had clear steps to take to be able to talk with my creditors, and creditors really respected them and honoured our agreements. I wasn't chased and harrassed to try and get more money off me, thanks to StepChange we all stuck to the plan. I had the satisfaction of paying back what I owed, they got satisfaction of getting back the money they had invested in me. I can't imagine what would have happened if I'd carried those debts into the world we have today, but thanks to StepChange, I didn't have to. Now my biggest debt is gratitude to StepChange for helping me recover my life and happiness. Reviewed on: 11th July 2020

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