Can I stop paying debt review when my debt review accounts look paid up?

No. You should not stop paying only because your debt review accounts look paid up, nearly paid up, or low on the PDA statement.

You must continue paying until DCGsa confirms in writing that it is safe to stop, change, reduce or cancel your debt review payment.

This is very important at the end of the debt review process.

A PDA statement is a helpful payment record, but it is not the same as a paid-up letter from a credit provider. The PDA may show that payments have been distributed, or that an account appears to have a low or zero balance. However, DCGsa must still confirm the final position with the credit providers before issuing a Form 19 clearance certificate.

Before DCGsa can confirm that you may stop paying, we must check whether your file legally qualifies for clearance. This may include checking paid-up letters, final balances, account numbers, end balance differences, final PDA distributions, and bond status where applicable.

Sometimes an account looks paid up on the PDA system, but the credit provider still shows a small balance. This may happen because of interest, payment allocation dates, fees, insurance, missed payments, short payments, or system differences between the PDA and the credit provider.

For this reason, stopping too early can delay your clearance certificate.

If you stop paying before DCGsa confirms it is safe, and a credit provider later confirms that a balance remains, you may need to pay the shortfall before the paid-up letter can be issued. If you have already used the money elsewhere, the clearance process may be delayed.

It is usually easier to deal with a refund of surplus funds than to fix a short-paid account at the end of the process.

If you insist on stopping, reducing, pausing or changing your debit order before DCGsa confirms that your file is ready, DCGsa will require a signed debit order or payment instruction form. This form records your instruction and confirms that you understand the possible risks of stopping, reducing, pausing or changing your debt review payment.

Changing or cancelling a debit order does not cancel debt review. It also does not remove the debt review status from your credit profile.

In simple terms: please keep paying until DCGsa confirms the next step in writing. This protects your clearance process and helps us close your file correctly.