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StepChange: Debt Management reviews

Name: Debt Management
Rating: 4.96 (14612 reviews)

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4.95

Based on 14,612 reviews, last reviewed 13th Jun 2025

331700% increase in 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Lots of worry gone Took all the worry of my debts away making one affordable monthly payment which I could manage .The team were great at the time giving me lots of advi... Read more Reviewed on: 13th June 2025

Latest lowest rating:

2

Not impressed It's handy to have just one payment for my debts but the customer service is extremely poor and has caused more stress. They treat you like a number r... Read more Reviewed on: 10th June 2025

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About this product

Read or write Step Change debt management reviews from the Smart Money People community. if you're considering using Step Change, read our reviews from people like you to decide whether it's the best product for you. Our reviews come from people who have used the product, so can offer some great insight as to whether it's good or bad. Been a Step Change debt management customer in the past? Write a review today and help others!

StepChange Debt Management reviews (14612)

Review of the StepChange, Debt Management:

Relief from Stress

I am able to pay some month off my debt for a sum I can afford to pay. I am greatly relieved that I no longer get demanding letters from lenders and that I can leave everything in StepChange's hands. Reviewed on: 7th June 2025

Lots of worry gone

Took all the worry of my debts away making one affordable monthly payment which I could manage .The team were great at the time giving me lots of advice on how to handle my debt thanks to them nearly debt free now. Reviewed on: 13th June 2025

Straightforward, sympathetic and efficient service

Straightforward, sympathetic and efficient service Reviewed on: 13th June 2025

They have been wonderful and grateful for their serv...

They have been wonderful and grateful for their services to handle my debts Reviewed on: 13th June 2025

Life changer

They take a weight off your mind , also peace of mind , they are a life changer Reviewed on: 13th June 2025

Brilliant with people

It was very easy to contact them and they made me feel at ease and comfortable, no hassle to them at all. Reviewed on: 13th June 2025

Great experience

Great experience start to finish Reviewed on: 13th June 2025

I am very grateful for your help and support, effect...

I am very grateful for your help and support, effective, humane and perfect in every way. Reviewed on: 13th June 2025

Help at Hand

Excellent advice, always happy to help and if any problems Reviewed on: 12th June 2025

You literally saved my life !

You literally saved my life !! After a long drawn out divorce I was left a single parent of 3 and the debts from the divorce cost plus more were overwhelming for me and I couldn’t think of a way out. Also not being able to have anymore ‘credit’ has helped me re-train my spending habits. Reviewed on: 12th June 2025

Down but not out

Im a 40 year old single male , due to circumstances beyond my control I am currently living with my parents having lost the roof over my head mainly down to my poor decision making when it came to my finances. I have been in debt for over 6 years , As result of those debts I have suffered with anxiety and depression until I reached my lowest point and considered taking my own life . In the beginning I tried to sort my cash flow problems myself , initially I borrowed from friends who are no longer friends . I then turned to various payday loan companies without really looking at the small print and the interest rates they charged in the end I was signed up to 9 different companies I was taking out loans to pay off previous loans , Next I stopped paying bills , council tax , energy bills the only bill I did pay was my rent , in the end I had no money to feed myself properly , Then the letters started coming, at first I contacted the senders and agreed to repayment plans that I knew I couldn't afford , then came court letters in the end I stopped opening the mail altogether . I even cut off contact with my family I did not want anyone to know the mess I was in . In the end my relationship with my partner failed after I had given up my flat to move in with her. It was because of this break up that my parents became involved . Firstly my father dragged me to the doctors who wanted to Admit me to a psychiatric ward for my own safety , but may father persuaded her to allow me to go under his care rather than the hospital. the doctor agreed and my father promised that he would ensure that I turned up for future appointments . thanks to an understanding doctor and my parents I avoided becoming homeless and on the streets . My father pointed out that the one thing I had in my favour was the fact that I still had a job . Over the next month or so my father opened all my letters to find out that I was over £30.000 in debt, he discovered however that certain companies had sold my debt on it took him a further month to find out who actually held my debts by the time he had phoned every single company I owed money to he discovered my debt was only half of what he first thought but for me still a massive amount of money and I could still not see a way forward . Due to my mental state , my father said he would help but only if I agreed to hand over the handling of all my finances to him to manage until my debt was cleared. It was then that he told me about Step Change , he explained that it was a charity that did not charge for helping anyone with their finances. Together we phoned step change and after filling in a few forms explaining my circumstances A Debt management plan was drawn up for me according to my circumstances . I was told that there are different plans depending on individual circumstances . when I saw my plan I saw that I had a definite time line and that in my case it would be 3 years to clear the debt , it also left me with money to live off and believe it or not a small savings plan . Im fortunate that my parents have allowed me to stay with them for as long as it takes but I still pay my way with them and realise I should have told them a lot sooner. Yes I have lost everything , but I have learned a valuable lesson. there is help and support if you know where to look , sometimes it's right under your nose . Im a year into my debt management plan and have been able to commit to a monthly payment to step change and I have actually increased that payment this year . All the letters have stopped , My health is much improved , and I am still able to live my life stress free , by the time I complete my step change journey My small amount of savings will be next step to getting my life back on track . If you read this I hope it inspires you to taking that first step to change your life and get back on track. Reviewed on: 12th June 2025

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