DFH Can I change?

[patty39]

Hi, Just looking for a bit of advice regarding a DMP I have taken out with DFH. I have signed up to clear around 8K of debt. I have not made a payment to them yet.

 

Am I ok to change to stepchange or payplan (a free service) even though I have signed up with DFH?

[renegadeimp]

Yep. You can change anytime. Regarding your debt, have you made sure it is all enforceable and you have reclaimed everything you can?

[patty39]

Hi, thanks for your reply. When you say enforcable what do you mean? And yes I have been in touch with Payplan and stated my debts to them..

[renegadeimp]

Enforceable means the debt isnt made of pure charges, the correct paperwork exists in order for the companies to chase you for the debt, and if the debts are with DCA's, are those DCA's the owners, or simply acting on behalf of a creditor. If they own it, you need to check that the debt is valid and isnt inflated with DCA charges. If the DCA is acting on behalf of a creditor, then ignore the DCA completely and deal with the creditor direct.

 

You have some reading and investigating to do imo before you make any payments.

 

Perhaps give us a breakdown of the debts you have and we can help you sort them out prior to you using a DMP.

[patty39]

Hi, yes I have never missed a payment on the debts however I am struggling to keep it going.

 

Debts are currently 3k with Vanquis, 500 with Capital One, 2k with Halifax credit card and 2.5k Halifax overdraft.

[dx100uk]

when did you take these out

 

are they on your credit file

 

dx

[patty39]

They were all taken out around 2/3 years ago. And yes they are all in my name.

[patty39]

I have decieded to go with Stepchange, is this someone that you would reccomend?

[dx100uk]

yes and free!!