One hour after your debt advice session
Sit down, put the kettle on and have a cup of tea.
The hard bit is out of the way. We’ve gone through your budget and helped you work out how much you can afford to pay your debts each month.
Before you start getting all your information together take 15 minutes to relax and feel happy with the fact that things are only going to get better from here on in.
If we’ve emailed you your personal action plan it’ll be waiting for you in your inbox by the time you have finished your cuppa (if we've posted it to you it'll be there in the next couple of days).
The day after your debt advice session
To set up your DPP we need the following forms, and to ensure your DPP is set up as quickly as possible please send all of this information to us in one go.
- Proof of your income. This can be a wage slip or a bank statement and it needs to match the amount you gave us during your debt advice session. If it doesn’t make sure you include a note to tell us why. If you're receiving benefits we'll also need proof of these (apart from child benefit). This proof can be your most recent award letter.
- A recent statement or letter from each of your creditors showing your account details, balance and their address. If possible this should be dated within the last month.
- Your signed DPP Declaration and DPP Mandate. Without this we can’t contact your creditors.
- The completed Direct Debit mandate.
You can post it to:
Plan Activations, StepChange Debt Charity, 33 Bothwell Street, Glasgow, G2 6NL. If you post your information to us, make sure you take your envelope to the post office and pay the correct postage.
Or, if you can scan all of the information, you can email it to us at DAS@stepchange.org. If you do this don't forget to include your name and client reference number in the email the scans are attached to.
The week after your debt advice session
Once we've processed your information we'll contact you to arrange a checkpoint call to make sure you’ve read and understand the conditions of the DPP and that you’re still happy to go ahead with it.
Once we’ve spoken to you we’ll submit your application onto the DASH Portal. This is a system that the Accountant in Bankruptcy (AiB) uses to process and monitor DPPs.
We’ll then contact all your creditors and ask for confirmation of the total amount you owe them and let them know you’re applying for a DPP.
Once we’ve got this information for all your debts, we’ll issue DPP proposals to each of your creditors. They then have three weeks to agree to the proposal.
- If all the creditors agree your application will be accepted and we'll write to you to confirm this
- If any of the creditors object to your application then it’ll be submitted to the DAS Administrator (this is the AiB) for a 'fair and reasonable' test. They’ll have the final decision on whether or not to approve your DPP. If your application isn’t approved we’ll contact you and discuss other solutions to help you.
If your application is been approved your payment distributor will also contact you and you’ll have 42 days to make your first payment.
If any of your creditors contact you before your DPP is approved just let them know your plan is being set up and we’ll get in contact with them.