Category Archives: Archive

The 7 main differences between DAS DPPs and DMPs

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This advice is applicable in Scotland only

DAS Debt Arrangement Scheme Advice

Courtesy of Wikicommons user Eyrian

For those living in Scotland, there’s a host of different debt solutions available that aren’t in England and Wales. But with choice comes a lot of responsibility and it can be a bit of a minefield sorting through all the information out there.

So to help you out here’s our guide to the seven biggest differences between two Scottish debt solutions that are often compared: DMPs and DPPs under the Debt Arrangement Scheme (DAS). Continue reading »


To debt consolidate or not to debt consolidate?

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Do these sound familiar?

‘Clear all your debts today with one easy monthly payment’
‘Fast pay out, whatever your credit history’
‘We like to say yes’
‘Apply online now for a quick decision’

These are just some of the tempting offers that we see daily, inviting us to look at consolidating all our debts into one easy payment. But should you consolidate your debts? What are the pros and the cons?

We often get questions about what is the best way to consolidate debts or how to go about it. We don’t tend to recommend it as we think that consolidation is rarely the best option.

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On a DMP with us? When to call StepChange

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Phone and woman smiling

It’s good to talk

We’re happy to hear from you at any time about any query.

However, you might find yourself in difficult circumstances and it’s at these times that we’d prefer that you call us as soon as possible.

Don’t worry, we don’t bite, so give us a call today if you’re experiencing one of these five issues…

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5 questions every IVA client asks

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This page contains information about debt solutions available in England, Wales and Northern Ireland. Debt advice in Scotland involves similar but different solutions. Before considering an IVA as a debt solution, please make sure you fully understand the risks involved when entering an IVA.

Post it question marks

Your top 5 questions

Getting an individual voluntary arrangement (IVA) put together and accepted by your creditors may have been challenging for you. It’s often a great relief when your IVA is approved. However you probably still have questions that pop up every now and again about your IVA.

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“Can I switch my DMP?”

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Switch on and don't pay for your DMP

Switch on and don’t pay for your DMP

As we’ve mentioned many times, we offer debt management plans completely free of charge. We do hear from a lot of people that use other companies for their DMP, who realise that their full surplus could be going towards reducing their debts rather than paying a percentage as a fee.

As debt management plans aren’t legally binding in any way you are free to cancel at any time. So if you choose to switch provider you should be able to do this easily. Continue reading »


6 StepChange debt management plan (DMP) survival tips

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Money and a calculator

With our guide to debt management plans (DMPs) on the BBC website today we thought we’d look at the best tips for surviving when you’re on one.

These tips aren’t just about sticking to your budget and watching your spending (although those are a major part of a successful DMP); there’s a lot more we can reveal…

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