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CCCS - www.cccs.co.uk
CCCS (Consumer Credit Councelling Service) are a popular and very profitable UK debt charity with a telephone service and 10 regional centre’s.
Recent data provided by the charity shows how they are able to recommend a balanced, full range of solutions including debt management plans or DMP's, IVA's and Bankruptcy / Sequestation.
Like with all the main UK debt charities we feel we're lucky to have access to them and the CCCS is a debt charity that we would not hesitate to call if we were in serious debt and in need of help.
How we can help you today
To ensure that you get the right advice, we provide free access to expert charity debt advisors who provide unbiased debt advice. This helps those in serious debt to avoid advisors who charge excessive fees or feel it is reasonable to extend the period individuals are in debt beyond what is reasonable and logical.
Find Out More About The Debt Solutions Considered
| Solutions | Debts Written Off | Legally Binding | Interests & Charges | Residential Status | ||
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50% - 60%*
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Yes
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Stopped
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Tenant or Homeowner (Eng/Wales)
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Not Normally
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No
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Many Freeze
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Tenant or Homeowner
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Consolidated
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Yes
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New Rates & Charges
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Tenant or Homeowner
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Bankruptcy is a severe last resort if you are in serious debt and no other debt solution can save you from going bankrupt. Bankruptcy may protect you from your creditors and allows you to start fresh, but you need to think carefully about all the implications involved.
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*50 - 60% is a typical debt write off with an IVA
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CCCS Reviews
There are lots of different variation of search term used to find the CCCS. Here's just a few: 'consumer credit council', 'consumer credit counseling', 'consumer credit counseling service'. If you have contacted or are using them to help you manage your debts, please take the time to create a CCCS review using the button below. Sharing your experience helps other decide who should help them and us put people in touch with the best advisors around.
What others have said
I had to wait a long time for my interview and in the end was offered a debt management plan. It took and about 7 weeks from initial contact to when I was up and running.Reviewed by: MR
Would reviewer recommend this organisation? Yes
we contacted CCCS about a month ago after serious problems with debt which was leading to serious problems with our relationship, the online site is easy to use and understand, we were then sent a debt remedy pack, which tells you what creditors can and cant do, what we can do and what we dont have to do, within 3 weeks our DMP was up and running and our lifes have been drastically improved, i can sleep at nite, i dont dread the postman turning up, i can answer my home phone with no worries and our relationship is really so much better (its suprising how much damage financial stress can cause before you even realise its happened). we are now activly paying off our debts, have sufficeint money to live on, and are considerably happier about the whole situation! CCCS are an amazing organisation, they are allways at the end of the phone if we have any questions, worries or simply need to know something about our debt, and not once have i felt embarressed about my debt while speaking to them, which i think is one of the best parts! and to think, they have done all of this for us for £00000!!!!!! ok, they claim the interest on the money we pay them before they pay our creditors, but i think that is totally fair and just! if any1 from CCCS is reading this i would like to thank you for being so helpfull and changing our lifes, good job-well dun!!!Reviewed by: C W
Would reviewer recommend this organisation? Yes
I had large debt (135,000) and was put on a CCCS debt management plan about three years ago. I have paid consistently, £90 a month, additionally paying off £35,000 worth of debt over the last 18 months. Last night I had a call from a callous woman in Leeds saying new policy dictated that I be thrown off the plan immediately as paying back the debt during my lifetime (i'm 60) wasn't viable. I own my own house which would adequately cover the debt (it's been on the market for two years) and also write for a living (unpredicatable, though potentially big money). I told the woman I needed a little more time (am determined to sell house as soon as possible) but she wouldn't speak to me as a human being, merely as a statistic that had to be got rid of according to new policy. I told this woman she was being highly unethical, not to mention inhumane, and she said no more discussion, my plan was closed. I asked her what I should do, knowing that after the years of false comfort i was being thrown to the wolves. She just said sell your house and pay your debts. I replied that I'd been trying to do precisely that but that it obviously wasn't quite the right time. This cold minion showed not an iota of human compassion. I'm a strong person and don't get easily frightened - but what about the truly vulnerable? Being unceremoniously thrown overboard during an illusory cruise isn't funny - and I fear for others. This behaviour on the part of the CCCS that I have just experienced first hand is not only despicable (but completely opposing their beliefs as posted on the web. I.E. 'No matter how serious our client's situation seems, we provide support and calming through empathy, understanding and emergency assistance - never being judgemental or apportioning blame'. And 'we always suggest appropriate solutions to our client's debt problems, recommending the best solution available'. And 'our advice is tailored to the circumstances of the individual or family, providing as much time as needed to help the individual ...' Short of a sharing of financial information I have experienced no communication with these people whatever. They know absolutely nothing about my life or me as a person. If they did they would know that my life's ethos is love - theirs appears to be the very opposite.Reviewed by: jo alexander
Would reviewer recommend this organisation? No