Step Change

[Mr $quandaŁot]

I have heard rumours that the above charity (conveniently funded by the F sector) has advised some clients to set up a DMP for statute barred debts. We here at LB know better!

For any consumer struggling with debts the first thing to do should be to send a CCA request. In many cases pre April 2007 debts are unenforceable and often involve credit cards were the creditor has been jacking the APR without debtor ever signing anything to agree to this practice. Store to crefit cards are a classic example.

No doubt Step Change would start talking about a moral obligation etc but those F institutions have been - and still are - fobbing consumers off so I have very little sympathy. Sorry Step Change but you are ****ers!

[ODC]

Re: Step Change

That would be the same Stat barred debts that the DCA Scum buy for pennies, the same Stat Barred Debts that the OC has written off against tax, the same Stat Barred Debt that is UNENFORCEABLE through the courts, and the same Stat Barred debt that should have disappeared from your credit file.

Seems to me that Step Change are being funded by the Shylocks of the DCA bloodsuckers

[Mr $quandaŁot]

Re: Step Change

Yes, in an ideal country they would be shut down but not in the UK. As I said, we LB members know better and always have Cel, Amethyst, Paul and ordinary members from all walks of life!

[teaboy2]

Re: Step Change

If true, then numerous people would have legal grounds to issue claims against them for financial loss (money repaid of statute barred debts) that they would not have otherwise incurred, had it not been for such misleading and misguided advice.

Do you have anything to support the rumors that they are doing this, such as links or documents (minus anyone personal details)?

[Mr $quandaŁot]

Re: Step Change

I will dig up and come back to this site.

[Amethyst]

Re: Step Change

If true then that is bad. I have used Step change in the past, when cccs. They were a lifesaver at the time and it was such a relief to give them all my debts to organise affordable payments. However, I only used them to give me a bit of breathing space rather than as a solution. They wouldn't even consider reclaims on bank charges or PPI - it was 2006 - and they only would advise to roll over and give up if anyone took you to court. I still think they have their place but should only be used in conjunction with half decent advice on debts FIRST as everything shouldn't be treated the same.

[Mr $quandaŁot]

Re: Step Change

I clearly said I had heard rumours but, nevertheless, will investigate further and dig deep!