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 am currently in the process of getting my finances sorted out, using M
Reviewed by:
Rating:
3

Would reviewer recommend this organisation? Yes
I am currently in the process of getting my finances sorted out, using Money, Debt & Credit. Initially I was very pleased with the attitude of the advisor. He was very polite, took all my details and then got back to me in quick time with a soluton and how much it would cost. I was told an IVA could be done at £279 over 6 years. However, since then I have had several calls from the advisor, each time there is a bit more information required and the monthly cost was adjusted upwards. First to £300, then £350, then £405 and finally, for now, £509. This last quote is over 5 years though. It is getting very frustrating. I am not saying the cost is going up without reason, but I would have prefered that the company got all their information together, before qouting monthly costs. I would have given 5 stars, but I'm afraid it's only 3 from me. This count could go down!! At the moment I would still recommend them. It's a pity there isn't a "maybe" selection!
Absolutly useless company,dont do what they say they will do and even af
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? No
Absolutly useless company,dont do what they say they will do and even after cancelling my account they still try and take payments which end costing more due to bank charges. Would not recommend to my worst enemy...........
PLEASE DO NOT GO NEAR YES LOANS!!!!!!!!!!!!!!!! total scam, had to can
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? No
PLEASE DO NOT GO NEAR YES LOANS!!!!!!!!!!!!!!!! total scam, had to cancel my card!!! be warned!!!!!!
I have contacted the National Debtline many times both for myself and se
Reviewed by:
Rating:
5

Would reviewer recommend this organisation? Yes
I have contacted the National Debtline many times both for myself and several members of my family. They have been a tremendous help. Would definately recommend for family and friends.
Was offered IVA at just £200 a month for my debt level of 80k, thought i
Reviewed by:
Rating:
1

Would reviewer recommend this organisation? No
Was offered IVA at just £200 a month for my debt level of 80k, thought it sounded too good to be true and it was. Other companies told me it wouldn't get approved at that amount and at the creditor meeting the payment went up by £400 to £600 a month, I couldn't afford the increase so the IVA was turned down. Ok so maybe the breakdown of my business was my fault for my debts but I wish I would have listened to other companies and not gone fof the cheapest option. Avoid at all costs
I was originally with Payplan, but found that they were so overworked I
Reviewed by:
Rating:
5

Would reviewer recommend this organisation? Yes
I was originally with Payplan, but found that they were so overworked I was just falling into a bigger hole, and still getting letters and telephone calls and just all round struggling with my finances. I stuck with it for over a year and then transfered to Gregory Pennington, yes there are charges but it was worth it just to have some piece of mind that someone was actually dealing with my account, managing it and sorting it out properly. I had a managed bank account with them, personal finance manager and a lot of support - especially in the first few months of getting the creditors and budget straightened out. I became this week completely debt free, and it feels soooo good and I really have to thank GP for getting me there, and ensuring that I had enough money to run my household during that time.
I had never heard of Yes Loans until today, when I asked the caller for
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? No
I had never heard of Yes Loans until today, when I asked the caller for the company name. I have been put on hold waiting to speak to customer service to make a complaint for the last 30 mins and have been subjected to awful classical music and an automated voice assuring me that my call is important and they will deal with me as soon as possible. I have just been cut off after holding for the last 45 minutes. I have been plagued with calls for somebody who I have never heard of. I receive up to 6 calls per day from this company asking for somebody who doesnt have this telephone number. They assure me they will delete my number from their contact list. They dont and the calls keep coming. This is harrassment and something needs to be done about this company.
Payplan are brilliant,I have been with them for two years and before I c
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
Payplan are brilliant,I have been with them for two years and before I contacted them for help I was with a fee paying company and was not at all impressed. The fee chargeing companing kept putting the amount up each month and i could not afford it so I searched the internet and found Payplan. Its the best move I did,I can afford to live now and also pay my debts,I use justabank to see my debt goijg down and I can sleep now knowing its all under control. Sometimes it does take a long time to get throught them but you can email and I have always had a reply and my problems have always been sorted out and Payplan have been very helpful and very very polite everytime I have phoned or received an email back.
I was contacted after going on moneysupermarket re a loan. Initially the
Reviewed by:
Rating:
1

Would reviewer recommend this organisation? No
I was contacted after going on moneysupermarket re a loan. Initially the advisor was helpful and friendly he advised me to take out a debt management plan which I agreed appeared to be a good solution. He took details of my credit card for my first monthly payments and advised me to change my bank. However after speaking to a family friend (also a Financial Advisor) and my husband I realised I had made a big mistake and emailed them the following morning to cancel the plan. I was contacted that day by the original advisor who said he hadn't received my email (something which is now a common theme!) I informed him I no longer thought this option was a good one for me, he accepted this without too much difficulty and I was informed I would be refunded. It is over a week ago and I still haven't received my money back. I hadn't signed anything, I cancelled within a few hours and despite the advisor keep saying 'he is annoyed I haven't been refunded and he will investigate and call be back' I still haven't been refunded or contacted! I should have smelt a rat when they took my first monthly payment from a credit card I had very little debt on and which now carries a debt from a debt advisory company!!! Speak to your creditors yourself, speak to your bank they will work something out with you. Also I was told going into a debt management plan would not affect my credit rating - I've since learnt it does!! - stay clear of this company!!
Absolutely useless. Rude and abrupt. I felt like a naughty schoolchild i
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? No
Absolutely useless. Rude and abrupt. I felt like a naughty schoolchild in front of the head. Very misleading. Always losing paperwork and saying they have not received, including cheques which they have cashed. Very unreliable, worst mistake I have ever made going with this compnay. Steer Clear!