step change weren't very helpful

[pondinwinter]

Has anyone else sound this? I needed advice but they were like robots

Have you tried CAP instead? Maybe they can help?

What sort of advice did you need? In all cases, reduce outgoings as much as possible. Then, broadly:

low level unsecured debt; good income; manageable but uncomfortable; credit score still good - transfer debt onto 0% credit card and snowball it until it's gone.

high level unsecured debt; good income; unmanageable but would be manageable if not for the interest charges-negotiate frozen interest and payment plans or IVA

low level unsecured debt; low income; no assets - debt relief order

high level unsecured debts; low income; no assets - bankruptcy

Secured debts: gets trickier. You have to be much more careful about implications of debt management plans.

I think the literally just read off a script and can't help if anything deviates from that. I had something set up with them years ago, but I actually found it easier to manage it myself. Some of my debts changed hands, and they never amended the payments, which meant some payments weren't made to the correct people!

I generally find the moneysavingexpert forum is quite good :)

Yes I found it easier to manage myself as well, I just rang them as they came up when I googled.