StepChange Debt Charity

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StepChange Debt Charity
Founded 1993
Founder Vic Ware, Malcolm Hurlston
Area served
United Kingdom
Services Debt counselling and advice
Formerly called
Consumer Credit Counselling Service

StepChange Debt Charity (formerly the Consumer Credit Counselling Service (CCCS))[1] is a debt charity registered in the United Kingdom. The organisation offers debt counselling and money management and can be contacted through its freephone telephone helpline[2] or online through StepChange Debt Remedy, its online debt counselling tool.[3]

Its chairman is Lord Stevenson of Balmacara.[4] The chief executive of the charity is Mike O'Connor.[5]


The charity was founded in 1993 when Vic Ware OBE and Malcolm Hurlston introduced Consumer Credit Counselling Service to the UK via a pilot scheme based in Leeds.[6][7]

The introduction of debt counselling over the telephone proved to be a success and the charity expanded throughout the late 1990s and early 2000s.

The charity has continued to grow in recent years. In 2007 they established a non-profit individual voluntary arrangement service[8] and 2010 launched a free equity release advice service.[9]

On 5 November 2012 the charity rebranded as StepChange Debt Charity.[10][11]

In 2013 the charity was contacted by 507,863 people seeking debt advice.[12]


The charity's head office is in Leeds, England. There are also centres in Glasgow, Cardiff, Newcastle, Birmingham, Chester, Halifax, Eastbourne, Nottingham and Limavady, Northern Ireland.


StepChange Debt Charity is funded by voluntary contributions from the credit industry,[13] such as Lloyds TSB, Barclays and HSBC.[14] In the most recently published report they made no investment gain from their charity work.[15] The charity has been successful over recent years to become the UK's leading debt advice charity, managing unsecured debt worth over £4bn.


External links[edit]