Find out what debt help is available:

  • Find the right debt solution
  • Lower debt repayments
  • Stop pressure from lenders
  • Clear unsecured debts for good
  • Have just one low monthly payment
  • No need for a loan
  • Reduce debt with UK legislation
  • Reduce Your Debts By Up To: 70%

Action to take

  • When you have many debts the world can seem very intimidating. The feeling of loneliness and helplessness can be over-powering. Professional debt counsellors and creditors know that the likelyhood of a debtor (the person in debt) being able to sort out their debts without professional help is slim. Creditors want you to offer a fair payment plan or contact a debt counsellor in order to arrange a payment plan that is acceptable to both sides.
  • If you feel that you cannot deal with payment negotiation and (most importantly) you are committed to resolving your debts there is an answer.
  • In the UK, the Consumer Credit Counselling Service (CCCS) “is a registered charity providing free, independent counselling to help you solve your debt problems, avoid bankruptcy and learn to handle money”.
        The CCCS Code of Ethics:
        “The Consumer Credit Counselling Service is dedicated to providing confidential, professional counselling and money management assistance to financially distressed families and individuals regardless of race, creed, colour, sex, social position or financial status and to fostering education on consumer money management and the wise use of credit.”

    To talk to a counsellor or to make an appointment with a local counsellor contact the CCCS on FREEPHONE 0800 138 1111. The CCCS will give you advice (if that is sufficient for your needs) or they will take control over your debts, arrange a payment plan with your creditors, and deal with all administration. The amount you pay your creditors will be agreed with you (this figure will be fair to both parties). You will pay a weekly/monthly amount to CCCS who will then distribute the funds amongst your creditors.

    • The Consumer Credit Licensing Bureau (a government department with teeth) deals with consumer credit licensing matters. All companies that supply credit to consumers (not companies) must have a licence. The licence is the ‘life blood’ of any lender, retailer etc. The bureau will take effective action against those who do not act within the rules: if they are informed. All moneylenders must have a licence.


    • If a creditor is threatening you, you can either write to the licence bureau, or in a bodily harm threat, contact the police. If a creditor knocks on your door every week, or telephones you constantly at work, at night, and you ask them not to: they are harassing you. The creditor must take legal action or write off the debt.

      Office of Fair Trading
      Consumer Credit Licensing Bureau
      Craven House, 40 Uxbridge Road
      Ealing, London W5 2BS

  • If you maintain the arranged payments, and you do not enter into any further credit you will be able to put this experience behind you.
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