Wow
Looks like you were correct . Their Trustpilot score is high , hope they just take note of her comments and then say we have taken on board and leave it at that .
What a cheek that reply is and crawling
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Looks like you were correct . Their Trustpilot score is high , hope they just take note of her comments and then say we have taken on board and leave it at that .
What a cheek that reply is and crawling
They should go back and listen to her call and realise she is talking out her arse for attention
I really hope they listen to her call!!!
I feel like all of these debt services are quite open about the fact they’re under more pressure than ever before with the current economy? I’ve seen them advertise at bus stops, the country is in dire straights ffs. So I think it’s p abhorrent of her to criticise people at the coal face of things. Even more so as she’s in pretty cushty/self inflicted circumstances, like choosing to maintain a standard of living you held when you were a dual income household/you were earning more to the degree of £37k worth of debt is hard to empathise with when undoubtedly they’ll be speaking to people who work their arses off yet are still struggling to feed their kids?!
Also her then posting about oh I’ve not been on holiday / posted holiday content in a while - tf?! You’re gonna lose your house how is this even in the top 10 things that enter your brain?!
Also her then posting about oh I’ve not been on holiday / posted holiday content in a while - tf?! You’re gonna lose your house how is this even in the top 10 things that enter your brain?!
They will listen back. They are not a small organisation and are regulated by the FCA . Wouldn’t surprise me if they asked her to retract the post
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She has commented she has two valuations for her house next week. Talking of adverts she could use the company that is regularly advertising buying houses within x days
Shes's got a load of views on her step change posts so I doubt those will be the last.
I'm not sure what they lied about? Her explanation vidoe sems to make sense to me, why is she so shocked by it? I'm so confused.
As others have said why is she so obsessed by her credit score?? I thought she was never going to borrow money again. What does she need this perfect credit score for? If she has a mortgage in place as she has- she can remortgage with the current lender. They have to let you do that and offer a good rate. I've not moved my mortgage for the last 2 rate changes as the rate of interest has been fine - maybe not the absolute most competitive rate on the market, but you have no guarantee of getting that headline rate anyway. I doubt she would have her pick of rates. I was a mortgage adviser until recently and have set up my own business so I'm not keen on moving as my affordability is not as good as when I was employed at the moment and I know how picky lenders are these days, but I have been happy keeping it with the lender and intend to do so for the next rate change. She would be absolutely fine having a hit to her credit score, just sticking with the current lender and having the next say 5 years living on a tighter budget. A perfect credit score, but struggling to make ends meet makes no sense to me.
She says step change want to 'push her' towards a payment plan that reduces payments, but not reduce the debt. So it will take years to pay off. Well yes - the point of a payment plan is to reduce the burden of repayments paying a 'token amount' for a period of time is exactly what many people need to get back in to a place where they can afford to live and not have to declare bankruptcy. She also says she didn't expect to have her debt written off (which is technically what an IVA could do) so what was she expecting them to suggest?? Its either a payment plan which she is outraged at being offered, an IVA (which you CAN have with a mortgage) but is difficult to get through or bankruptcy; thats what step change do they support you through the options for unmanageable debt and they are the options!!
When she says oh they were really vague and said things like 'oh it would impact your acore like a missed payment' thats true! Why is she upset? This is also an exploration call, they explain the options in a basic way - believe me I've helped many people with IVAs and payment plans and you get given a lot of support and information and you have a case manager etc - but 1 - they don't need to do that initially and 2 - the person she spoke too isn't the specialist - they are the first point of call.
I hope she doesn't put people off Step change - my gut instinct is that she wanted an IVA realised or was told she wouldn't get one, or found out that an IVA isn't the easy option she may have thought and your finances are then scrutinised constantly and any 'windfalls' or lucrative bonuses or sponsorships will be taken for creditors even years in.
Sorry long post!! I'm a money geek. Also the audacity of her to be upset that an accountant makes money out of those in debt (lots of people do its a huge industry) when she charges people for money courses and pretends to cash stuff - for views- pretending it helped solve her original money crisis. At least the accountant understands money!!
I'm not sure what they lied about? Her explanation vidoe sems to make sense to me, why is she so shocked by it? I'm so confused.
As others have said why is she so obsessed by her credit score?? I thought she was never going to borrow money again. What does she need this perfect credit score for? If she has a mortgage in place as she has- she can remortgage with the current lender. They have to let you do that and offer a good rate. I've not moved my mortgage for the last 2 rate changes as the rate of interest has been fine - maybe not the absolute most competitive rate on the market, but you have no guarantee of getting that headline rate anyway. I doubt she would have her pick of rates. I was a mortgage adviser until recently and have set up my own business so I'm not keen on moving as my affordability is not as good as when I was employed at the moment and I know how picky lenders are these days, but I have been happy keeping it with the lender and intend to do so for the next rate change. She would be absolutely fine having a hit to her credit score, just sticking with the current lender and having the next say 5 years living on a tighter budget. A perfect credit score, but struggling to make ends meet makes no sense to me.
She says step change want to 'push her' towards a payment plan that reduces payments, but not reduce the debt. So it will take years to pay off. Well yes - the point of a payment plan is to reduce the burden of repayments paying a 'token amount' for a period of time is exactly what many people need to get back in to a place where they can afford to live and not have to declare bankruptcy. She also says she didn't expect to have her debt written off (which is technically what an IVA could do) so what was she expecting them to suggest?? Its either a payment plan which she is outraged at being offered, an IVA (which you CAN have with a mortgage) but is difficult to get through or bankruptcy; thats what step change do they support you through the options for unmanageable debt and they are the options!!
When she says oh they were really vague and said things like 'oh it would impact your acore like a missed payment' thats true! Why is she upset? This is also an exploration call, they explain the options in a basic way - believe me I've helped many people with IVAs and payment plans and you get given a lot of support and information and you have a case manager etc - but 1 - they don't need to do that initially and 2 - the person she spoke too isn't the specialist - they are the first point of call.
I hope she doesn't put people off Step change - my gut instinct is that she wanted an IVA realised or was told she wouldn't get one, or found out that an IVA isn't the easy option she may have thought and your finances are then scrutinised constantly and any 'windfalls' or lucrative bonuses or sponsorships will be taken for creditors even years in.
Sorry long post!! I'm a money geek. Also the audacity of her to be upset that an accountant makes money out of those in debt (lots of people do its a huge industry) when she charges people for money courses and pretends to cash stuff - for views- pretending it helped solve her original money crisis. At least the accountant understands money!!
Spending £100/month on dog food with two tiny dogs tells me everything I need to know about her spending habits lol.
I spend £40-50 every 3-4 months for a medium-large dog.
Not saying she should buy the cheapest dog food brand, but it seems she never researches better and more affordable alternatives, she just makes impulse purchases and splurges out on things that once again she can’t afford.
I spend £40-50 every 3-4 months for a medium-large dog.
Not saying she should buy the cheapest dog food brand, but it seems she never researches better and more affordable alternatives, she just makes impulse purchases and splurges out on things that once again she can’t afford.
She will blame that on her ADHD.
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Something needs to be done. How has she got back into so much debt? Why the perfect credit score, what for? Especially when she said before about her past with debt. She needs a bit of health & a reality check.
I find the fixation on credit score strange, if your 36k in debt, I’d be worrying about that huge amount of money rather than any possible damage to credit score. I’m not in debt and luckily never have been so maybe there’s things I don’t know but to me it’s the vast amount of money owed that would keep me awake at night, not the score on my credit.
A very good post. There will be at least one person put off from speaking to stepchange or other organisations by what she says. This will have been the case last year when she was negative about the universal credit application process.
She will have made some money out of the creator fund for these posts.
The timing of the post is calculated as she knows they work limited hours over Easter and won’t probably get a chance to connect with her and probably she will be away with the kids somewhere to not be available
she’s addicted to getting credit, I honestly believe that’s why she’s so obsessed with her score.
She wants the debt to disappear but not harm her credit file even though she literally remortgaged and cleared her debit last year. She has no idea how fortunate she is to be able to do that and take on that house herself.
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Her mortgage is 1k (apparently) which is extremely cheap for London and actually in general for her size house. She knows it’s going to double, as per the comment below….. the comment even gives entitled!
the behaviour doesn’t give “my mortgage is doubling”
I honestly am starting to wonder if she is over exaggerating for content? Pure beg
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Erm I’d be expressing a lot more concern if my mortgage was about to go up £1k a month (and I’m not in debt)
Insane that she is so chilled about it, if you know your mortgage is going to double to 2k when you’re already struggling to afford it at 1k, how is she not putting plans into place now? Downsizing and of getting a job that pays a full set wage? Her mindset is honestly so strange
I had a “perfect” credit score on 3 different sites and still couldn’t get a new iPhone from straight from apple because of barcleys finance. (I wanted to get the phone and move to sim only so I wasn’t paying so much monthly for the phone.)
A credit score means nothing if you don’t pass the affordability checks
*EDIT* I would also like to add I’m not in debt, the only “debt” I have is my mortgage. I do only work part time tho but still in a constant employment with a steady wage coming in.
Pretty sure she took out a 5 year fixed deal and is under half way through that. If this is true she should not be panicking about what is an unknown re interest rates when it comes to sorting out her mortgage. Her mortgage was also 50% of the value so again even if she had to sell it’s not like she would end up in negative equity .
She's saying she only worked 4 days a week for RI. The person said would she not go back to full time and she’s pointing out that she was working 4 days not full time when she quit her job.
Not sure she was meaning River Island from that comment as lat year she had left them. Given the state of her finances maybe she did only have 4 days client work last year.
I recall when she went to 4 days at River Island her income didn’t drop and she was then moaning the hours she had to work so most probably was working 5 days in 4 though the amount of her own stuff she was doing it’s debatable she ever worked the full contracted hours . Even this major client on her to do lists appear to be starting about 10 and home by 5 so not entirely full time. Would argue she hasn’t done a full day of actual work for many years
I'm personally not convinced she would have a "perfect" credit score.
I have some debt - less than Yasmine says she has. And my income is greater. I've never missed a payment in my life (20+ years of having credit in one form or another), never had any financial mishaps. I have a mortgage, I'm on the electoral roll etc.. but I don't have a perfect credit score. So not sure why with her level of debt and borrowing she would?
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I wonder if I'm misreading things and actually she's worried any dents to her credit score would put it into "poor"?
Sorry if that's what others are trying to say...!