# FOUNDATION FOR CREDIT COUNSELLING

## Details

- **Country:** England & Wales
- **Charity number:** 1016630
- **Other names:** CCCS, CONSUMER CREDIT COUNSELLING SERVICE, STEPCHANGE DEBT CHARITY
- **Status:** Registered
- **Legal form:** Charitable company
- **Registered:** Jan. 28, 1993
- **Register:** https://register-of-charities.charitycommission.gov.uk/en/charity-search/?p_p_id=uk_gov_ccew_onereg_charitydetails_web_portlet_CharityDetailsPortlet&p_p_lifecycle=0&p_p_state=maximized&p_p_mode=view&_uk_gov_ccew_onereg_charitydetails_web_portlet_CharityDetailsPortlet_regId=1016630


## Contact

- **Address:** 123 Albion Street, Leeds
- **Postcode:** LS2 8ER
- **Phone:** 08001381111
- **Email:** contactus@stepchange.org
- **Website:** www.stepchange.org



## Activities

**Objects:** 3.1 THE PREVENTION OR RELIEF OF POVERTY AMONGST PERSONS WHO ARE IN DEBT  (PARTICULARLY IN THE UNITED KINGDOM) BY: (1) THE PROVISION OF ADVICE TO ASSIST SUCH PERSONS TO RE-SCHEDULE AND RE-FINANCE THEIR BORROWINGS; (2) THE PROVISION OF FINANCIAL EDUCATION TO ENABLE SUCH PERSONS TO MANAGE THEIR FINANCES MORE EFFECTIVELY; (3) THE ESTABLISHMENT AND SUPPORT OF COUNSELLING CENTRES TO WHICH PERSONS MAY RESORT FOR ADVICE ON DEBT MATTERS GENERALLY; (4) THE ESTABLISHMENT OF AN INSOLVENCY PRACTICE TO WHICH SUCH PERSONS MAY RESORT AS AN ALTERNATIVE SOLUTION TO DEBT PROBLEMS; AND (5) THE ESTABLISHMENT OF SUCH OTHER SERVICES OR PRODUCTS FOR THE PUBLIC BENEFIT TO ASSIST IN THE RELIEF OF POVERTY3.2 TO ADVANCE THE EDUCATION OF THE PUBLIC IN GENERAL (AND PARTICULARLY AMONGST PERSONS IN DEBT OR AT RISK OF FALLING INTO DEBT) ON THE SUBJECT OF FINANCIAL BUDGETING, FINANCIAL PRODUCTS AND FINANCIAL SERVICES

**Activities:** Foundation for Credit Counselling's principal activities are to provide free debt advice to the financially distressed and following advice either via telephone or online, to provide a range of debt management solutions to meet client needs such as debt management plans and a range of insolvency solutions.

**Area of benefit:** UNITED KINGDOM




## Classification

- **How:** Provides Services
- **What:** The Prevention Or Relief Of Poverty
- **Who:** The General Public/mankind



## Areas of operation

- Northern Ireland
- Scotland
- Throughout England And Wales



## Finances

| Period end | Income | Expenditure | Assets | Employees |
|---|---|---|---|---|
| Dec. 31, 2024 | £58431000 | £59525000 | £13212000 | 1137 |
| Dec. 31, 2023 | £54731000 | £59467000 | £14803000 | 1115 |
| Dec. 31, 2022 | £62002000 | £59938000 | £19539000 | 1249 |
| Dec. 31, 2021 | £60976000 | £61590000 | £17475000 | 1450 |
| Dec. 31, 2020 | £60564000 | £63402000 | £18089000 | 1527 |



## Trustees

- Barbara Helen Dean — appointed Jan. 21, 2019
- Christopher Mark Wood — appointed Feb. 1, 2021
- Elizabeth Mary Harding — appointed July 1, 2023
- Janet Pope — appointed Jan. 1, 2024
- Lesley Jane Titcomb — appointed Jan. 21, 2019
- Lisa Jane Mellor — appointed June 23, 2025
- Michael St John Ashley — appointed July 1, 2023
- Nicholas Michael Caplan — appointed Feb. 26, 2019
- Ramondeep Kaur — appointed June 30, 2025
- Sean Lynskey — appointed June 23, 2025
- Susan Acton — appointed July 1, 2023
- Yvonne Jean Klimaytys — appointed July 1, 2021