Hello, I have been using Stepchange for a while now and i have about 10,000 left to pay on it, which is great, it was originally double this.
I will potentially after christmas be able to manage my debts without the aid of a third party and also hopefully pay them off a lot quicker then i would at the moment, my question is has anyone done this successfully? Or would you recommend staying with the DMP and increasing my payments with them? Apart from two outstanding debts (which i should be able to pay off soon) the main debt is with one of the big banks and is a loan.
Just a bit concerned that the longer i'm with the DMP the more it is going to damage my credit rating.
Thank you