The Consumer Credit Counselling Service (CCCS) is a registered charity in the United Kingdom which has followed the creditor funded American model of debt counselling. CCCS is currently the largest debt advice charity in the UK.
The stated purpose of the organisation is to assist people in financial difficulty by providing free advice, and debt management plans to individuals struggling to manage their unsecured debts. CCCS receives between 10% and 12% voluntary monthly contributions from the credit industry for the services provided.
The trustees of the charity include Christopher Leslie. The chairman is Malcolm Hurlston who is often quoted in the media on debt issues. Other trustees include Jeremy Burton and Geoff Mulcahy. The chief executive of the charity is Gordon Bell
History
The charity was started in 1993 with funding from Registry Trust Ltd, Barclaycard and GE Consumer Finance. Vic Ware OBE and Malcolm Hurlston introduced CCCS to the UK via a pilot scheme based in Leeds. In 1996, new centres opened in Nottingham, Birmingham and Cardiff.
The introduction of debt counselling over the telephone proved to be a success and CCCS expanded throughout the late 1990s and early 2000s.
The charity worked with the Community Channel on the programme 'Unsecured'. This short TV film, which first aired in 2005, dealt with a former CCCS client who became a counsellor and her experiences with debt. The story was based on a play shown at the National Theatre as part of the "Headline" series. This play was written by Gregory Burke.
Locations
The charity's head office is in Leeds, England. There are also centres in Glasgow, Cardiff, Newcastle, Birmingham, Chester, Halifax, Eastbourne, Nottingham and Limavady, Northern Ireland.
Recent developments
In 2008, CCCS provided in-depth counselling sessions to over 61,000 people, repaid £223 million to lenders, set up 25,590 debt management plans, and answered 267,000 calls on its helpline. The average unsecured debt levels of a CCCS client in 2008 was £28,460. Over 93,000 people used the CCCS Debt Remedy online counselling service in 2007.
In 2006, the charity introduced a unique online counselling tool called "Debt Remedy"
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