CCCS Debt Remedy is FREE and confidential, online debt counselling when you need it most.
Our easy-to-use, knowledge base system provides answers to all your money related questions.
Consumer Credit Counselling Service Wade House Merrion Centre Leeds LS2 8NG
Some companies offer a service claiming to be able to ‘repair’ your credit file for a fee. We advise you to avoid them because you can check your file and correct any errors yourself at little or no cost.
You can take some other simple steps to improve your own credit file:
Experian publish a useful free site on improving your credit rating called UK Credit Repair.
Most agreements allow creditors to add charges and interest. If you feel that the charges are unfair or too high, you should first make a complaint to the creditor.
Creditors can add charges, but the Office of Fair Trading guidelines state these should be “based on actual and necessary costs” and should not be too high compared with the debt itself.
If you do not get a satisfactory response, you could contact the Financial Ombudsman Service who can investigate the matter further.
A debt management plan is not a legally binding agreement. Your creditors are not obliged to freeze the interest on the debts you have. However, we do have excellent relationships with creditors and we do request that they stop any further interest being added and charges being made.
Our FREEPHONE helpline is open from 8am to 8pm Monday to Friday.
0800 138 1111
Calls may be monitored and recorded for quality and training purposes
We are fully committed to providing you with the highest standard of service.
You can help us to do this, by letting us know if you are unhappy with the service we have provided to you.
Find out more by viewing our complaints procedure.