CCCS/Stepchange - www.cccs.co.uk

CCCS/Stepchange

CCCS or Consumer Credit Counselling Service to give it it's full name, today is known as StepChange. It's a popular UK debt charity which has been around since 1993 and provides valuable, free, impartial and confidential debt advice.

What's impresssive about StepChange is that they use an independent review service called ReviewCentre which is real people rating the service that Stepchange provides. In June 2013, their average rating was 4.9 out of 5 which says a lot about the quality of advice provided and the trust people place in them.

They maintain that because they've specialised in debt for such a long period of time clients of theirs can be sure that they’ll provide impartial debt advice and the right practical solution for each individual. A useful service is that where a repayment plan has been set up, they provide aftercare and support through dedicated, what they refer to as 'guidance teams', so you're not left to your own devices. 

 

CCCS Reviews

There are lots of different variations of search terms used to find what was the CCCS and is now StepChange. Here's just a few: 'consumer credit council', 'consumer credit counseling', 'consumer credit counseling service'. If you have contacted or are currently using StepChange to help you manage your debts, please take the time to create a StepChange review using the button below. Sharing your experience with others helps them to decide who is best to help with their own particular problem.

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Average Rating:
3
Rated 3/5 based on 21 customer reviews.

What others have said

Please remember that these reviews are the opinions of people visiting our site and so can be very different from our own views.

I had to wait a long time for my interview and in the end was offered a
Reviewed by:
Rating:
4

Would reviewer recommend this organisation? Yes
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.
we contacted CCCS about a month ago after serious problems with debt whi
Reviewed by:
Rating:
0

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!!!
I had large debt (135,000) and was put on a CCCS debt management plan ab
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? No
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.
CCCS. My husband and I have struggled for the past 4 years to pay off a
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Rating:
0

Would reviewer recommend this organisation? Yes
CCCS. My husband and I have struggled for the past 4 years to pay off a loan and credit card, we are both not working due to long term illness and I an registered disabled. I was told by my credit card company to ring CCCS, the best advise I have ever been given, what a weight of our shoulders. It was so simple, I had already done a budget sheet af all in and out goings + details of the 2 debt, it took about 30 mins to relay this over the phone to an extremely helpful chap and straight away he informed me that I could pay to CCCS almost a third of what I had been paying the creditors on the 1st of every month, they would split that whole amount proportionately between the creditors and pay them on the 25th of every month and it will take 6 years 11 months and we would be clear. They emailed the appropriate paper work and hand book to me, I read it, signed and sent back the form and requested proof of income, bank statement, direct debit form etc, sent the drafted letters to the creditors informing them of the switch over and thats it. No catch and no money grabbing behavior, every penny I pay goes to clearing the bills. CCCS are a charity and I believe the interest on the payment between !st and the 25th goes to the charity. Well! if that is all they take I firmly believe they are welcome to that for the swift, professional and reasuring way they have dealt with it. My greatest admiration to CCCS.
cccs on the whole do a great job and support many many people in the uk.
Reviewed by:
Rating:
4

Would reviewer recommend this organisation? Yes
cccs on the whole do a great job and support many many people in the uk. However there are some people that they cannot accommodate on their plans, from how it was explained to me they always have to offer the best advice for that client. As an example they cannot support plans that go on too long as the debts will never get clear, if a plan takes too long the creditors are unlikely to accept the proposal and more likely to apply interest and charges thus the debt will never be clear within a reasonable time. They also cannot guarantee the interest and charges will be stopped, but in most cases this does happen if the plan is reasonable. In these types of cases a temporary plan is set up for temp relief, essentially though they cannot support an unethical and ill-advised plan forever. This rule can cause difficulties for some customers espec those who don’t want to go bankrupt just out of personal preference but it is there best advice (such as myself) CCCS sit firmly in the middle of the clients and the creds. This stance means that they do have a good relationship with the majority of the creditors, however this stance may not always be what you as an individual want to hear. You may not like the advice that they give you, you may not take it up but you can be sure that from a logical reasoning it is the best advice at that current time. The funny thing is that if my circumstances change I am always welcome to go back to them for a re evaluation, as soon as my income increases I know I can rely on them to give me the advice best suited for my new circumstances and then of course my advice will change. My brother in law set me on to them as he works for them, the amount of stress and quality targets their staff are exposed to is unbelievable, I would not want to work there, they do not seem to treat their staff well at all.
Don't stop all interest charges and CCCS actually work on behalf of the
Reviewed by:
Rating:
3

Would reviewer recommend this organisation? Yes
Don't stop all interest charges and CCCS actually work on behalf of the credit companies. Some their advisors not very helpful at all, I have been on dmp for over 3 years on direct debit, but have recently had two drastic changes of financial circumstances. Have kept them informed all the way but been treated as if I am a criminal. They pare you to the bone on your expenses too so if you are on the plan for a long time it is not wonderful. If your debt is not too massive go for it if you can clear it within say 3-5 years. My problem is no longer being able to work. As these people are a charity it would be nice if some of their workers were "charitable" themselves!
We contacted the CCCs about mounting debts that we were struggling to co
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
We contacted the CCCs about mounting debts that we were struggling to cope with and had no real idea what to do. We mistrusted many of the independent debt companies out there as they were just in it to make money for themselves. The CCCS has been magnificent offering sensible practical advice in small chunks following an initial review of our situation. As we had no income of any substance (pension plus disability benefit) they even advised us not to pay off large chunks of debt when we realised a small sum of money from the sale of a property as we would clearly need this to live off. I am amazed at the story about the CCCs from Leeds though I have since learned that the CCCs was set up by the major banks. The events of the past few years have clearly shown us whose interests the banks have at heart! It seems difficult to find out much about the background of the CCCs however they are a charity who have ethical and plausible aims on their website and I have no reason to criticise them for their advice and dealings with us.
I was advised to use CCCS by National Debtline who sent them my budget.
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Rating:
0

Would reviewer recommend this organisation? Yes
I was advised to use CCCS by National Debtline who sent them my budget. I had a callback, by appointment, 10 anxious days later. The woman was extremely cold, told me I was shopping in the wrong shops and could reduce my bills. I am a pensioner and have long experience of living on the breadline, so found this upsetting and insulting. I had to explain I cannot trudge from shop to shop because I am disabled. She sounded as if she didn't believe me. She was combative over everything on the list of outgoings. It takes considerable courage to take action over one's debts, and this was a horrible experience. She decided that it would take much too long to pay off my debts so her only advice was to sell my house. I went back to the nice people at National Debtline who put me onto Payplan, who are kind and friendly - on my side. This may be because I had re written my budget to be able afford £100 per month, which is the minimum payment accepted for a Debt Management Plan, but kindness and reassurance and sleeping at night is worth cutting down on food and heating. My plan has just gone to my creditors with no replies yet but it was done very quickly. They can be a little slow to answer emails, but fingers crossed. I would be worthwhile mentioning that the most unfriendly and unco-operative creditor is, surpisingly, the Co-operative Bank, the only one threatening Court action. So much for the old Rochdale Pioneers.
Me and my Husband have just started an IVA through CCCS and having over
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
Me and my Husband have just started an IVA through CCCS and having over £35000 of debt could not see any other way out, firstly let me say how fantastic they have been i have not had any issues at all from start to finish of collecting all the information that they needed to proceed with the IVA it has taken about 2 and 1/2 months. The budget that we have been given to live off is very adequate and also if you earn overtime you are allows to keep the first 10% of what your net pay is then anything after that gets split 50/50 which i think is very good, also we are allowed to open a savings account and save money as well now which does not get taken from us as it is not a windfall or a inheritance, so anyone who is struggling i would seriously consider using them as they where brilliant for us.
I contacted CCCS when I finally hit a financial brick wall with payday l
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
I contacted CCCS when I finally hit a financial brick wall with payday loans - I just got so sick of never having any money, worrying myself stupid everytime the phone rings and postman hate. I owed £1600 in total which does not sound too bad I know but I am a single parent too. The call took 45 minutes and best to have all your info ready. I bealed my head off all through the call because I was so relieved to tell someone about my situation. I have now agreed to pay £65.00 a month over 2.5 years, I feel relaxed for the first time in over a year tonight = straight after the call a payday loan company rang me chasing payment and I answered the phone!!! They were shocked too !!!! I told them I have agreed a DMP, they didn't even want to speak to me!!! She gave me her details and asked me to pass them on to CCCS and went!!! More advice, I now manage my money via internet banking - no more ATM anxiety I know exactly how much I aven't got - FACE THE FEAR FOLKS!!! I PROMISE YOU WILL FEEL BETTER