Our services and solutions
We also provide
60-second debt test
Check to see how many danger signs of debt apply to you
Got a debt question?
More about us
Debt in the UK
StepChange in Parliament
We work with parliamentarians on briefings, events & debt trends
The latest debt trends & analysis from our industry experts
Log back in to OnlineDMP
Other ways to get in touch
Get online debt advice now
Get free online debt advice in less than 30 minutes from the UK's leading debt charity
The board of trustees for the Foundation for Credit Counselling (registered in England and Wales) has the following members.
Chris Stern, FCCA FCMI, is Senior Independent Director at StepChange. He has significant Financial Services and Customer Service experience gained across a range of roles and sectors in both senior Executive and Non Executive roles.
In addition to his role at StepChange, he is also a Non Executive Director on the Centrica Pension Investment Board and a senior Pension Trustee, having recently completed his term as Chairman of British Gas Insurance.
Chris previously held a number of senior Executive and Non Executive positions within the Centrica Group. These include Chairman of British Gas Insurance and British Gas Finance Ltd (A regulated Consumer Credit provider) and NED of British Gas Services and Home Assistance UK Ltd, both regulated Financial Service intermediaries.
He also held a number of senior Executive positions within the Centrica Group stretching over 30 years including Divisional Chief Executive and Finance Director roles, within the Financial Services, Customer and Retail Services, and Automotive, sectors.
Chris is a qualified accountant and a Lay Minister within the Church of England.
David Coates, a graduate of Manchester University, has extensive experience in developing businesses in the financial services sector. Currently a non-executive director of several companies he advises smaller financial service businesses at board level.
He previously managed Experian’s Business Information and Consumer Information divisions and was a founding and managing director of Callcredit.
As the Chief Executive of the Davenham Group plc, he took the group public and has also acted as non-executive director of the Richmond Group and as Chair of Amigo Loans Ltd.
John Fingleton is founder of Fingleton Associates, a strategic advice and insight company. He ran the Irish Competition Authority before becoming Chief Executive of the Office of Fair Trading from 2005 to 2012.
He has taught at the London School of Economics, Trinity College Dublin and the University of Chicago and wrote and taught game theory and the economics of industry and regulation.
A member of the Policy Advisory Board at the Social Market Foundation, he is a Trustee at the Kaleidoscope Diversity Trust and the Centre for Economic Policy Research, and he chairs the Executive Risk Committee at Coles, an Australian Supermarket, and is on the Council of Innovate UK.
Tim Frost is Chair of the Audit & Risk Committee at StepChange. He is the Chair of Cairn Capital and an Emeritus Governor of the London School of Economics, and a former Director of the Bank of England.
Before joining Cairn, Tim worked in a series of trading and management positions at JP Morgan, helping to build the credit and credit derivatives businesses. He started work as an officer in the British Army serving in Germany and in the Falkland Islands.
Andy Hill is Chair of the Equity Release and Voluntary Arrangements Subsidiary Boards at StepChange. He is retired from his role as CEO at Damart UK and member of Damartex SA Group Board, and recently completed a stint as interim MD at Coopers of Stortford. He is now focusing on non-executive director responsibilities, primarily with StepChange.
A qualified accountant, he has extensive experience in the mail order and retail industries having previously worked for Next, Redcats and the Lennons Group, with direct board responsibility across a range of disciplines including finance, marketing, customer services and IT.
He previously served as director of the UK Direct Marketing Association and Chairman of its Home Shopping Council.
Monica is a highly accomplished senior executive with over 20 years of experience in Financial Services. She is the Co-Founder and Chief Strategy Officer of Neyber, a multi-award-winning Fintech firm focused on financial wellbeing. Neyber is included in KPMG’s 2018 list of top 50 established global Fintech companies and was awarded "Ethical Financial Services Provider of the Year" at the Money Age Awards. It also won “Benefits Innovation of the Year”, at the Workplace Savings & Benefits Awards in 2016 and 2017.
Formerly, Monica was the Co-Head of the European Banks Equity Research team at Goldman Sachs.
She is a regular speaker at Global Fintech and Employee Wellbeing Conferences, sharing her perspective on financial inclusion, innovation and disruption in financial services. She was invited by House of Lords Select Committee to provide evidence on how Fintech can help address financial exclusion in UK. Monica also champions the cause of diversity and advancement of women in business.
Monica was recognised by Forbes as one of the top female leaders in Fintech, included in Women in Fintech Power List by Innovate Finance UK and the recipient of the Chairman’s award for outstanding contribution to U.K. tech in the Diversity UK awards in 2018, and is listed as one of the Top 100 most influential BAME leaders in UK tech by the Financial Times & Inclusive Boards.
Dame Suzi Leather is Chair of the Office of the Independent Adjudicator for Higher Education and also chairs the Devon Sustainability and Transformation Partnership. She is a member of the General Medical Council and is a patron of the Donor Conception Network.
Previous roles include chairing the Charity Commission, the Human Fertilisation and Embryology Authority, the LankellyChase Foundation and the School Food Trust. She was also a non-executive director of the United Kingdom Accreditation Service.
In 1994 Suzi was awarded the MBE for her services to agriculture and food safety and in 2006 she was awarded Dame Commander of the Order of the British Empire.
Suzi has a BA degree with honours in Politics, a BPhil degree in social work and an MA in European Politics.
Sue Lewis is Chair of the Remuneration Committee at StepChange. She was Chair of the FCA’s Financial Services Consumer Panel until December 2018. She is a Trustee of The People’s Pension, and of Surviving Economic Abuse and the FairBanking Foundation.
She is also a consumer advocate member of the Chartered Insurance Institute Professional Standards Committee; an independent member of the Chartered Banker Professional Standards Board; and a member of the European Insurance and Occupational Pensions Authority's Occupational Pensions Stakeholder Group.
Sue advises overseas clients on financial education, financial inclusion and financial services consumer protection. Previously a senior civil servant, from 2005 to 2011 she was Head of Savings and Investments at the Treasury.
The Rt. Hon Alun Michael is the Police and Crime Commissioner for South Wales. He is a member of the National Executive (Board) of the Cooperative Party, a Trustee of the Penarth Headland Link (a charitable company) and a Trustee of South Wales Police Youth Trust (also a charity).
He was Member of Parliament for South Cardiff and Penarth from 1987 to 2012, during which time he held office as Deputy Home Secretary, Secretary of State for Wales, Minister of State for Rural Affairs and Minister of State for Industry and the Regions.
Josh Bell is a General Partner at Dawn Capital, a FinTech-focused venture capital firm, leading their investments in transformative financial technologies across the UK and Europe.
Before co-founding Dawn in 2007, Josh worked with McKinsey & Company, specialising in financial services and leading McKinsey’s support for the World Economic Forum’s financial services knowledge initiatives and activities.
He was a Graduate Scholar at Oxford University in Mathematics, a Research Fellow at Harvard University specialising in Economics and Game Theory, and studied further postgraduate statistics at Cambridge University.
John was appointed Chair of StepChange Debt Charity in January 2019. He served as the inaugural Chair of the Financial Conduct Authority from 2013 to 2018, during which time the FCA took on responsibility for regulating consumer credit. Previously, John had a career at KPMG, culminating in him becoming their UK Chairman and Senior Partner, and also Chairman of their European, Middle East and Africa region.
John is currently Vice Chairman of the National Numeracy Trust, a Governor of Brentwood School, and sits on the audit committee of Eton College. He is also a trustee of the Rifles Volunteer Trust, and a regular participant in the Speakers for Schools programme.
John studied Economics at Trinity Hall, Cambridge. He is a chartered accountant and he was an officer in the Territorial Army for 14 years. As well as the Board, John also chairs the Nomination Committee at StepChange.
Helen Dean, CEO of NEST Corporation, is one of the architects of auto enrolment and responsible for bringing nearly 10 million UK workers into pension saving, including many low and middle-income earners.Helen was a senior civil servant at DWP before joining PADA, NEST’s predecessor, where she moved from developing policy to delivering a low-cost, high-quality pension scheme.
Helen led the product, marketing and operations arms of NEST before her appointment as CEO in September 2016. Since then, Helen has been at the helm of one of the largest pension schemes in the UK with over 7 million members.
Lesley Titcomb is an independent non-executive director of National Bank of Kuwait International and she was previously Chief Executive of the Pensions Regulator.
She has worked in many different roles in financial services regulation since 1992 and before joining TPR was Chief Operating Officer of the FCA from 2010 to 2015.
She is also a qualified Chartered Accountant.
Nick brings technology, strategy and operational experience from a broad range of sectors. Most recently he co-founded The Smart Request Company which is developing a Request for Payment solution to help people gain better control of their payments.
Nick is a Director of Vitality Life and Health and Covea Insurance. Significant prior roles included Chair of Faster Payments, a key part of the UK’s payments infrastructure; Chair of MyCSP a public sector pensions administrator and an executive director of Logica, a major IT services company.