Category Archives: Inside StepChange

How you helped us get Breathing Space back on the agenda

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Last month over 1,000 of our clients emailed their MPs asking them to support a Breathing Space scheme for people in debt in England, Wales and Northern Ireland*. If you helped, thank you. If you didn’t, there’s still time.

A scheme like this would mean that when people in debt get advice they’d have fees, charges and interest on their debts frozen, along with a break from enforcement action. It would allow them time to sort out their finances without seeing their debts spiralling upwards. Continue reading »

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Your 2017 10 step financial detox

posted by in Budgeting, Debt, Debtday, Money maximising, Money saving 1 Comment

Now that we’re in a fresh New Year, it’s all about clean slates, resolutions and working towards being our healthiest in all aspects of life, including money. There’s no better time to give yourself a financial detox!

Let’s make this year the one where you conquer your money woes once and for all. We’ve put together a list of ten financial detox tips to keep you on track…

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People of StepChange: who works behind the scenes?

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If you’ve been in touch with us for free debt advice, chances are you’ve come into contact with some of our debt advisors and other frontline colleagues before. But what about all the other people working behind the scenes?

Over 1,400 people work here at StepChange Debt Charity but not all of them are debt advisors. Here’s a closer look at some of the people who make sure the charity keeps to its own high standards, engages with the media and continues to deliver offer free, expert advice to the people that need it.

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In debt? Here are 5 reasons why you should open a new bank account

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If you get in touch with us for debt advice, it’s likely we’ll recommend you open a new basic bank account. It might sound like a chore to put off for another day, but this is one of (if not THE) most important pieces of advice we’ll give you.

A basic bank account does what it says on the tin. It’s essentially a no-frills place to keep your money. Basic bank accounts are free to set up and you can get a debit card to spend your money in shops and take out cash at an ATM, just like any other current account.

However, the main reason we recommend basic bank accounts is because of the extra protection they offer to people in debt, such as not charging any fees or offering extra facilities like an overdraft.

If you feel a bit hesitant about opening a basic bank account, you’re not alone.

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5 services you can use right now to help you deal with debt

posted by in Budgeting, Debt, Debtday, StepChange Leave a comment

If you need help with your debts, you might be surprised to learn that there are lots of tools and services out there that can make the whole process just a bit easier.

In fact, we have five such services on the StepChange Debt Charity website and through our friends at Money Advice Service! Let’s check ‘em out…

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DebtDay Live: our updates from across the charity this #DebtDay

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#DebtDay 2016 latest updates

Find out what we’re posting during our #DebtDay social media event, on what we forecast to be our busiest day of the year.
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Debt and money news – January 2016

posted by in Bankruptcy, Debt, Debtday, Dodgy practice Leave a comment

It may be a brand new year but it seems that many of last year’s debt and money issues are far from resolved. It’s also time to fill in your online tax return if you haven’t done so already. No one wants that ugly £100 fine for sending it off late!

On a brighter note, it looks like the bankruptcy application process may be a little bit simpler from April onwards. It also seems that annoying cold-calling firms are finally being taken to task by the powers that be. This should hopefully mean a dramatic reduction in unwanted contact this year.

Also, if you’re a former customer of Cash Genie or its sister companies, you may be owed a refund now that the firms have gone into liquidation. Read on for more details…

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