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About us. A quick guide to StepChange Debt Charity.

Find out more about our experience, our services and what makes us the UK's leading debt charity.

StepChange Debt Charity



Our vision. A society free from problem debt.

Problem debt causes untold distress to individuals, but the damage goes much further – ruining homes, wrecking families and affecting whole communities. 

By raising awareness of the issues surrounding debt in the UK, we help to overcome the massive problems that debt presents in the 21st century.

Read more

Meet our team


The expert team at StepChange Debt Charity really do change people's lives. Read more

Our governance


Find out about our governance, including information about our trustees, policies and responsibilities of the Board.


Our history

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1992 - CCCS created

Foundation for Credit Counselling set up by Vic Ware O.B.E and Malcolm Hurlston. This quickly becomes the Consumer Credit Counselling Service (CCCS).

1993 - Leeds office opens

Our dedicated debt advice centre in Leeds opens. It has since taken 13 million calls, helping 1.5 million clients address 28bn worth of debt.

1993 - DMP introduced

We pioneer the debt management plan (DMP), which has since helped thousands of people repay their debts.

1996 - Credit industry support

With almost all of the biggest names in the UK credit industry having pledged their support to the charity, the pace of the development increases, allowing us to expand our debt counselling services

1997 - Glasgow office opens

Our office on Mitchell Street in Glasgow opens, giving us a regional base to provide debt advice in Scotland for people who are struggling with their debts.

2001 - Limavady office opens

Our office in Limavady opens, allowing us to provide specifically tailored debt advice in Northern Ireland.

2006 - Debt Remedy launched

We introduce Debt Remedy - the first online tool to provide free, anonymous debt advice.

2007 - CCCSVA launched

We introduce CCCS Voluntary Arrangements - the only not-for-profit organisation to offer individual voluntary arrangements (IVAs) on a charitable basis.

2009 - Housing helpline opens

Our office in Cardiff starts to operate the Housing Debt Helpline Wales - a dedicated service providing debt advice in Wales for people who are struggling to meet their mortgage or rent payments.

2010 - Launch of CCCSER

We introduce CCCSER - an equity release company to enable homeowners over the age of 55 to use equity from their home to repay their debts.

2012 - CCCS renamed

We change our name from CCCS to StepChange Debt Charity, as part of our plan to help more people, and become even more visible and vocal.

2013 - Beating records

507,863 people, a record number, contact StepChange Debt Charity in 2013. We also see a 50% increase in the number of people getting in touch with us online.

2014 - Debt Awareness Week

In January 2014 we run our first ever Debt Awareness Week. It’s one of the busiest weeks in the charity’s history, dealing with £266m of debt.

2015 - Debt advice in Ireland

StepChange Ireland launches in November offering clear, simple, impartial debt advice that helps people to get their finances under control.


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Join our team

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Annual report & accounts

Our annual report and accounts 2016 gives a summary of our current priorities, an overview of the charity's finances, and tells clients' stories and the impact our work makes. Read the report for full details.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017