How Credit Counselling Works
People in financial difficulties reach us through our 0800 free phone number,
or online using
CCCS Debt Remedy. Over the telephone, the helpline advisor will perform
an immediate assessment of the situation ending in emergency help, self-help
material or the offer of a counselling appointment. Through
CCCS Debt Remedy, visitors receive online expert debt advice tailored to
their individual circumstances.
Whether a client chooses to use
CCCS Debt Remedy or has a counselling appointment, CCCS conduct a full
review of the credit and debt situation followed by a recommendation. The first
priority wherever possible is to allow for essential expenditure,
priority debts
and living expenses. We will assess whether the client has enough left over to make an offer of
repayment to other creditors.
If so, creditors are asked
to freeze interest, stop penalties and charges, accept a longer repayment period and sometimes a reduced sum.
Such is the quality of counselling that many creditors
now accept our repayment
proposals without further checking and the repayment records of clients we have
counselled are uniquely good. This is because CCCS follow the two key
principles of best advice and sustainable plans.