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Read reviews from our clients on an individual voluntary arrangement (IVA) to find out how StepChange helped them with their debt.
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"Best decision I made to call StepChange. At a very stressful time when I had been struggling for years and just didn't know what I could do to deal with the mounting debt, I contacted StepChange and I am so glad I did. From my initial call, which took so much courage to do, through to all the emails and calls, all the staff have been reassuring, professional and helpful. I am relieved that my VA has been approved and happy with the payment I am making. I now feel I can finally start living without the weight of uncertainty and pressure of mounting debt. If you are struggling and don't what to do, speak to StepChange, you won’t look back."
"Voluntary Arrangement changed my life. I didn’t know where to turn when my circumstances suddenly changed, I was panicking and felt ashamed. I found StepChange online searching for help. I contacted them online and they got back in touch with me quickly. They were understanding and factual and advised me towards a VA which I agreed to, along with all the other advice they gave. Life is now calm again thanks to them!!"
"StepChange is an absolutely amazing organisation, every member of staff is so helpful and supportive, after my initial phone call almost 6 years ago I had the best night’s sleep ever, no longer scared to answer my phone or receive mail. Please don’t struggle with your debt give StepChange a call and I can promise you it will change your life for the better, my Voluntary Arrangement changed my life, thank you StepChange 🙏🏻"
"Amazing service, understanding staff and they really go above and beyond to make the process as stress free as possible. I don’t know what I would have done without their help, I can’t thank them enough for completing the IVA."
"I cannot thank the team enough. I had worried about my snowballing debt for years and literally thought there was no way out. Then I plucked up the courage to contact StepChange. They were so understanding and easy to speak to about my situation. It was so much easier than I expected. They never made me feel uncomfortable or judged me. They kept in contact with me throughout my IVA process and whenever I phoned them, I got straight through without being in a big queue. I have today heard that my IVA has been approved and the weight on my shoulders has been immediately lifted. I would encourage anyone with uncontrollable debt to contact StepChange. It might feel out of your comfort zone to start with but as soon as you make that first phone call to them, you will never look back. You will not regret it. A huge thankyou to Charlotte and team for all of their help and support. From today onwards, I have control over my finances and can start fresh. THANK YOU ❤️❤️"
"First rate guidance and practical help. I cannot praise StepChange highly enough. The people I interacted with at StepChange and StepChange VA were all professional, well-informed and so supportive. There was no judgement of my situation whatsoever and their communication of options, processes and implications were crystal clear. Everything was well documented and double-checked to ensure that the best solution was put in place. Once they had the information, they handled absolutely everything else. To say a weight has been lifted off my shoulders feels like a cliched understatement, but the relief StepChange have provided me is enormous. My only criticism is of myself - I should have contacted them so much earlier."
"Voluntary Arrangement. From the start of me contacting StepChange, I felt reassured and came to the right people to support me through what was a very difficult time. The VA was explained well and any questions I had were quickly answered. Charlotte in particular was kind and sympathetic towards me and did not once pass judgement. I felt embarrassed to find myself in financial difficulty but she and StepChange made me see I did not worry and they would help me resolve my financial problems to the best of my ability at the current time."
"Non-judgmental help and support. I contacted StepChange when I was at my wits end and didn’t know which way to turn. From the very first contact they were understanding and non-judgmental helping me find the best way to deal with my debts. I was set up on a voluntary arrangement and felt supported throughout this. They were also easily contactable when I had any questions. StepChange helped me navigate an extremely stressful and challenging time in my life. I cannot thank them enough and highly recommend anyone with debt problems to contact them."
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"Honestly this company is a godsend. After a big change in family circumstances, I found myself struggling and unable to service almost £30,000 of debt. I got in touch with StepChange VA who were extremely helpful and non-judgemental throughout the whole process of helping me set up an IVA. What seemed like an absolute nightmare process was made very simple and easy. They advised me on every possible option available to me and provided template letters to send to creditors to explain my situation. Once I had spoken to an advisor about everything and provided a few documents, it was largely over to them, and they took care of the rest. Today I was informed my IVA proposal was successful, which has been a massive relief. What was once a huge unsustainable chain of minimum payments has been reduced to a manageable amount. I can't thank Liam and the team enough. If you are struggling, call them."
"IVA help. I’m so glad I contacted StepChange! I was struggling but was really worried about the implications of being in debt. They’ve helped me with my IVA, and I’ve not had to do anything, they’ve done it all for me. It was a difficult step to make but they helped me from the start and understood my circumstances. The relief I felt when my IVA was approved made me realise just how much it had all got to me! I’d recommend them to anyone. Thank you StepChange!"
"My whole voluntary arrangement process was made easy and comprehensively explained throughout its course. The staff offered advice and counselling which was invaluable to me and gave me peace of mind. I can recommend StepChange one hundred percent without their expert help I doubt very much that I would have been able to change my life around."
"Best decision I made contacting StepChange. Contacted StepChange 5 years ago and it was the hardest thing to do to reach out to them, but they were so caring, compassionate and treat me like a human not failure. They talked me through all my options, and I entered in a Voluntary Arrangement with their help. Their ongoing support every step of the way has been amazing, and they are always there if I have had any queries."
"Five-Star Review for StepChange and Emma Ludlow. I want to express my sincere thanks to StepChange for their outstanding support throughout my IVA journey, and especially to Emma Ludlow, who has been absolutely brilliant. From the very beginning, Emma was patient, kind, and highly professional. She took the time to understand my difficult health and financial situation, and she guided me step by step with empathy and care. Even when things became complicated, Emma stayed in touch, responded quickly, and explained everything in a way I could understand. Thanks to her help, my IVA has now been successfully completed, which has brought me a huge sense of relief and peace of mind during a very difficult time in my life. If you’re struggling with debt and feel overwhelmed, I highly recommend StepChange. Their service is free, confidential, and genuinely life-changing — and if you're lucky enough to work with someone like Emma, you'll be in very safe hands. Thank you again, Emma and the whole StepChange team!"
"I entered into a VA in 2021, having gotten myself into difficulties due to a high amount of debt, at first I didn’t want to admit to myself that I needed help, I kept calling StepChange and putting the phone down as I was scared what the next steps would be. Eventually I had the courage to speak with someone and discussed options, I entered into an IVA in May 2021, I found it tough as I wasn’t used to budgeting, I get anxiety and found the first 12 months tough, but StepChange were supportive, Emma who I dealt with was great. I am sure I wasn’t the easiest person to deal with. Due to paying it off early I am now debt free. Whilst I wish I hadn’t got into the mess I did, I am actually thankful that it happened, I was frivolous before, money had no value to me, I learnt how to budget and how to save, dare I say it I am quite tight with money now, it’s taught me a massive life lesson. If you are struggling, I would recommend putting a call into StepChange."
"Free of debt. I recently completed my IVA with StepChange and cannot thank them enough. The advice I received was clear and helpful, and I felt supported throughout the entire process. I was apprehensive at the start, but now I am debt free and confident in managing my budget for the future. My only regret is not starting the process sooner."
"I didn’t know who to turn to to get advice about my debts. I was watching Vanessa on TV when a man from StepChange was talking about how they can help people who are in debt and that they didn’t judge you. The next day I contacted them and found them to be very warm and caring and gave me different options to consider. I ended up choosing IVA. This is now completed and I can finally start to feel in control of my life again. Thank you so much."
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