So glad I didn't go ahead with this debt remedy plan. I felt vulnerable at the time and was desperate to sort my debts out ready for losing my home and they sucked my in thinking this was the best way. A twelve year plan to take all my debt away with a monthly payment of £80 sounds amazing. Until I found out they would take £36 of that monthly payment for themselves that's £5,184 to them! Once I had a think and looked into other options step change do not take a fee they pay all your monthly payment towards your debts I felt sick to think at a vulnerable time I was ready to say yes to take all the stress away I'm so happy I never. And on the plus side I didn't need a debt remedy plan I contacted all my debtors and made plans direct with them and we are now on the right track and no longer risk losing our home. Please have a good think about what your getting yourself into. It may seem like a weight of your shoulders at the time and they make you feel that way but they are sales men just looking for vulnerable people to cash in on. That's how I felt.