We can help you solve your debt problem but in order to do so we first need to understand your situation. You need to give us information on your income and spending, your debts and your circumstances to help us provide a solution for you. You can either use our online service CCCS Debt Remedy or you can call our free Helpline on 0800 138 1111 if you would prefer to speak to an advisor

You cannot stop your creditor contacting you, but if you are getting phone calls that are upsetting or distressing you can write to your creditor and ask them to remove your phone number from their records. You can also make a formal complaint to your creditor if you are getting an unreasonable amount of phone calls or the calls are at unreasonable times during the day or night.

If your creditor says they won’t accept your payment because it is not the amount they expect, you must still send them the amount you have offered. Sending the payment shows the creditor that you are serious about trying to resolve your debt situation. If you haven’t already, send your creditors a copy of your budget to show you cannot afford to pay them what they are asking for and a list of debts to show the extent of your debt. If you are having problems arranging payments to your creditors we will be able to help you. You can use our online service, CCCS Debt Remedy to get a personal recommendation for your debt problems, or call our Helpline on 0800 138 1111.

If you are on a debt management plan with CCCS you can make changes yourself using our online service. Use the link at the top right-hand side of this page called ‘DMP Login’. You will need your client reference number and your password to log in. Your username is your client reference number which you will find on the paperwork we sent to you, such as your monthly statement. Your password will have been sent to you when your plan was first set up. You can also request a new password if you have forgotten yours.