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Providing free debt advice for over 25 years

CCCS to StepChange Debt Charity: our history

We have 25 years' experience helping people deal with problem debt. A lot has happened in those years, including changing our name from the Consumer Credit Counselling Service (CCCS) to StepChange Debt Charity. Here’s our story.

  • It all started in 1992…

    Vic Ware O.B.E and Malcolm Hurlston founded Foundation for Credit Counselling after being inspired by the Consumer Credit Counselling model in the US.


We soon changed our name to Consumer Credit Counselling Service, or CCCS for short.

    Vic and Mal created CCCS with a simple vision:
    No-one should have to pay for debt advice

  • In 1993 we became pioneers

    We opened our first dedicated debt advice centre in Leeds. In the same year we pioneered the debt management plan (DMP), to help thousands of people repay their debts.

  • In 1995 we kept on growing

    We branched out and opened two new offices, in Nottingham and Birmingham.

  • By 1996 creditors were paying attention

    CCCS was starting to become well known among the biggest names in the UK credit industry. With their backing, we expanded our debt counselling services to help more and more people.

  • In 2001 we crossed the sea

    We opened an office in Limavady and start to provide debt advice to people in Northern Ireland.

  • In 2006 debt advice arrived online:

    By 2006, more people were looking for help online. To reach them, we launched Debt Remedy, the first online tool providing free, anonymous debt advice.

  • In 2007 we branched out

    CCCS Voluntary Arrangement launched as the only not-for-profit organisation offering individual voluntary arrangements (IVAs) on a charitable basis.

  • In 2009 we expanded our skills

    We became approved intermediaries to offer debt relief orders (DROs).

  • By 2010 we were helping in new ways

    We launched our equity release subsidiary, CCCSER, so we could help homeowners over the age of 55 repay their debts by considering more options through equity release solutions.

  • In 2012 we had a makeover

    CCCS who? It was time for a change. We ditched our old name and became StepChange Debt Charity. We wanted our catchier name to reach more people who needed our help, and create a society free from problem debt. We became more visible and more vocal.

  • In 2013 people knew our name

    Our plan worked. Over 500,000 people contacted us in 2013 to get debt help, up from under 400,000 in 2012. There’s a 50% increase in the number of people getting in touch with us online.

  • In 2014 we made some noise

    In January, we launched our first ever Debt Awareness Week, and it was a success. In fact, it became one of the busiest weeks in our history as we dealt with a huge £266m worth of debt in a seven-day period.

    In the same year our debt advisors in Scotland became money advisors and were approved by the Accountant in Bankruptcy (AiB), allowing them to set up debt payment programmes (DPPs).

  • In 2015 we said “dia dhuit” to Ireland

    With the UK covered for free debt advice, we turned our sights to Ireland. StepChange Debt Charity Ireland launched, offering clear, simple and impartial debt advice to those needing our help.

    Also in 2015, we successfully applied for the role of Payments Distributor of DPPs in Scotland.

  • In 2016 we were FCA authorised

    We were pleased to receive authorisation from the Financial Conduct Authority (FCA), and set ourselves up for the future of debt advice.

  • In 2017 we looked to the future

    We were busy behind the scenes, preparing for big changes in the years ahead. These changes will help us to help even more people deal with their debts and provide innovative new ways to engage with our charity.

  • In 2018 we're celebrating our 25th anniversary

    In the past 25 years we've helped over 5 million people and repaid £4 billion of their debts. We're really proud of these achievements, but we're not resting on our laurels as we celebrate our birthday.

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 2018