CCCS
Encyclopedia
The Consumer Credit Counselling Service (CCCS) is a debt charity registered in the United Kingdom
United Kingdom
The United Kingdom of Great Britain and Northern IrelandIn the United Kingdom and Dependencies, other languages have been officially recognised as legitimate autochthonous languages under the European Charter for Regional or Minority Languages...

. The organisation offers debt counselling and money management and can be contacted through its freephone telephone helpline or online through CCCS Debt Remedy, its online debt counselling tool.

Its chairman is Lord Stevenson of Balmacara. The chief executive of the charity is Gordon Bell.

History

The charity was founded in 1993 when Vic Ware OBE and Malcolm Hurlston introduced CCCS to the UK via a pilot scheme based in Leeds
Leeds
Leeds is a city and metropolitan borough in West Yorkshire, England. In 2001 Leeds' main urban subdivision had a population of 443,247, while the entire city has a population of 798,800 , making it the 30th-most populous city in the European Union.Leeds is the cultural, financial and commercial...

.

The introduction of debt counselling over the telephone proved to be a success and CCCS expanded throughout the late 1990s and early 2000s.

Continuing to grow, the CCCS helpline received 335,323 calls in 2009, a 25 percent increase over the number of calls in 2008. Over 150,000 people sought help online via CCCS's Debt Remedy service, almost two-thirds more than in 2008 and over double the number using this service in 2007.

Recent developments include the launch of a free equity release
Equity release
Equity release is a means of retaining use of your house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house....

 advice service.

Locations

The charity's head office is in Leeds
Leeds
Leeds is a city and metropolitan borough in West Yorkshire, England. In 2001 Leeds' main urban subdivision had a population of 443,247, while the entire city has a population of 798,800 , making it the 30th-most populous city in the European Union.Leeds is the cultural, financial and commercial...

, England
England
England is a country that is part of the United Kingdom. It shares land borders with Scotland to the north and Wales to the west; the Irish Sea is to the north west, the Celtic Sea to the south west, with the North Sea to the east and the English Channel to the south separating it from continental...

. There are also centres in Glasgow
Glasgow
Glasgow is the largest city in Scotland and third most populous in the United Kingdom. The city is situated on the River Clyde in the country's west central lowlands...

, Cardiff
Cardiff
Cardiff is the capital, largest city and most populous county of Wales and the 10th largest city in the United Kingdom. The city is Wales' chief commercial centre, the base for most national cultural and sporting institutions, the Welsh national media, and the seat of the National Assembly for...

, Newcastle
Newcastle upon Tyne
Newcastle upon Tyne is a city and metropolitan borough of Tyne and Wear, in North East England. Historically a part of Northumberland, it is situated on the north bank of the River Tyne...

, Birmingham
Birmingham
Birmingham is a city and metropolitan borough in the West Midlands of England. It is the most populous British city outside the capital London, with a population of 1,036,900 , and lies at the heart of the West Midlands conurbation, the second most populous urban area in the United Kingdom with a...

, Chester
Chester
Chester is a city in Cheshire, England. Lying on the River Dee, close to the border with Wales, it is home to 77,040 inhabitants, and is the largest and most populous settlement of the wider unitary authority area of Cheshire West and Chester, which had a population of 328,100 according to the...

, Halifax
Halifax, West Yorkshire
Halifax is a minster town, within the Metropolitan Borough of Calderdale in West Yorkshire, England. It has an urban area population of 82,056 in the 2001 Census. It is well-known as a centre of England's woollen manufacture from the 15th century onward, originally dealing through the Halifax Piece...

, Eastbourne
Eastbourne
Eastbourne is a large town and borough in East Sussex, on the south coast of England between Brighton and Hastings. The town is situated at the eastern end of the chalk South Downs alongside the high cliff at Beachy Head...

, Nottingham
Nottingham
Nottingham is a city and unitary authority in the East Midlands of England. It is located in the ceremonial county of Nottinghamshire and represents one of eight members of the English Core Cities Group...

 and Limavady
Limavady
Limavady is a market town in County Londonderry, Northern Ireland, with Binevenagh as a backdrop. It lies east of Derry and south west of Coleraine. It had a population of 12,135 people in the 2001 Census, an increase of some 17% compared to 1991...

, Northern Ireland
Northern Ireland
Northern Ireland is one of the four countries of the United Kingdom. Situated in the north-east of the island of Ireland, it shares a border with the Republic of Ireland to the south and west...

.

Funding

The charity provides impartial telephone and online help, and on-going support, for UK citizens with unmanageable debt. CCCS is funded by voluntary contributions from the credit industry, such as Lloyds TSB, Barclays and HSBC. In the most recently published report they made no investment gain from their charity work. The charity has been successful over recent years to become the leading debt advice charity, managing unsecured debt worth £3.58bn.
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