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Annual report and accounts 2016

We help people in problem debt get back on a firmer financial footing. We also campaign for change, to help prevent problem debt and to limit its negative effects. in 2016, 600,000 people sought our help.

Our annual report and accounts gives a summary of our current priorities and an overview of the charity's finances. It also tells the stories of our clients and reveals the impact our work makes on people's lives.

Our vision is a society free from problem debt. The UK already has 2.9 million people in severe problem debt, with only 1.5 million getting support. Our free debt advice helps people navigate their way through the often complex and agonising challenges of being in debt.

600,000 people sought our help in 2016


people sought our help

Growing consumer credit

For the first time in eight years, we have seen the average debt of those we help increase. Against a backdrop of rising borrowing, stagnant wages and the growth of insecure work, increasing numbers of households will be vulnerable to problem debt.

People we helped in 2016

On average, the people we advised owed £14,251 across 5.7 debts. Over the phone or online, we gave them free independent advice, offering a range of solutions to help them manage their situation.

£89m of debt written off, 20,000 clients debt free, £414m debt repaid with our support

Campaigning for change

Our campaigning, influencing and partnership work brings about change in industry practice, regulation and government policy. It helps to prevent yet more people falling into problem debt and to reduce the harm it causes, and we're committed to doing more.

339,687 advice sessions for new clients

Download the report to see the full details.

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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.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*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 2018