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What documents do you need to set up my DMP?

Once a DMP has been recommended for you, we will need several documents in order to set up your plan.

We will talk through what documents we need from you, why we need them, and how you can send them to us so we can set up your debt management plan.

1. What documents do you need?

Now we have recommended a DMP for you, there are just a few more documents we need to get it set up.

a) Your signed DMP agreement

This document lays out the terms and conditions of your DMP. You can find it in your DMP welcome pack, or you can download a blank DMP agreement template from our website (PDF).

Why we need this document:

We can only activate your plan and speak to the people you owe money to once you give us your permission in writing.

Read through the DMP agreement carefully. If you are unsure about anything, please email us and we will talk you through it.

If you need a reminder of what a DMP entails, please read our DMP clients page.

Once you are happy with the terms of your DMP, please complete the following fields on the form:

  • Your name
  • Your partner's name (if this is a joint DMP, leave blank if not)
  • Your StepChange client reference number

It is important you read the DMP agreement carefully before you sign it.

We cannot activate your plan or talk to your creditors until you send us your signed DMP agreement.

b) Your signed Direct Debit agreement

This document is in your DMP welcome pack. You can also download a copy of the Direct Debit form on our website (PDF).

Why we need this document:

  • We can only start paying the people you owe once you authorise the Direct Debit for your monthly payment
  • Once your DMP is set up, we will confirm:
    • How much your monthly payment will be
    • When it is due

Please complete the Direct Debit agreement form with the following details:

  • Your full name
  • Your address and post code
  • Your sort code
  • Your account number
  • Your bank's address and post code
  • Your StepChange client reference number. It is usually seven digits long and was given to you when you first registered with us

You must also tick the box to confirm that you agree to the terms of the Direct Debit guarantee, and then sign and date the form.

c) Proof of income

Why we need this information:

Seeing proof of your income makes sure a debt management plan is the right solution for you.

Your proof of income needs to include your full name, and can be one of the following:

  • Your most recent payslip (dated within the last three months)
  • A recent bank statement that shows your income (dated within the last three months). You can also highlight your income figures if you think this would help us find it quicker
  • For benefits, please send your most recent award letter. We need to see all pages, and this letter should include the benefits amount that you currently get

The figure on your proof of income should match the amount you gave us during your debt advice session. If it does not match, make sure you include a note that explains why.

d) Account numbers for your debts

Why we need this information:

Having the account numbers ensures your monthly DMP payment goes to the right place.

We need the name and account number for each of your debts. You can usually find this on the paperwork for each debt.

You do not need to scan copies of your statements to us. Simply write a list of:

  • Each creditor
  • Each debt that you have with them
  • The account number for each debt

If you do not have any of your paperwork to hand, you can get up-to-date information on your debts by checking your credit file.

Want to know more about your DMP? 

There are lots of great articles on our website that can help you get the best out of your DMP. They include: