Home > Finance > Services > Financial Services > Independent Financial Advisers > Consumer Credit Counselling Service (CCCS)

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Community Level 2jjllss

jjllss

DO YOU NEED SAVING TOO????

AdvantagesFantastic service, great advice, friendly employees, a perfect way to get out of debt

DisadvantagesNone

"Money is great, while you are earning it, spending and generally enjoying it. However when the money dries up, the memories of enjoying the hard earned cash are more than distant. Especially when you take into consideration the sleepless nights, the fear that cripples your body every time you answer the phone or open a letter or the bank calls because yet another cheque has bounced. As you can probably fathom by now, I have experienced like many ..." Read review
16.11.2007

Ciao members have rated this review on average: very helpful

Community Level 1sallyslater

sallyslater

The ONLY people to trust to get you out of debt!

AdvantagesClearing your conscience, taking a huge weight off your shoulders, getting on with your life and realising things arnt as bas as they seem!

Disadvantagesnone

"I have had poor credit for the past 3 years, i have 4 credit cards and in total my balance for these bloody things totalled almost £9,000! It got to the point where i had filled all 4 credit cards up, was spending more on trying to pay the creditors off than i was actually earning and all i wanted to do was bankrupt myself! I am only just turned 22! I started to ignore the bills and demanding nasty letters coming through the door threatening ..." Read review
27.12.2004

Ciao members have rated this review on average: very helpful

Community Level 2polgara1979

polgara1979

Looking for a way out of debt... read this first

AdvantagesYou don't pay them a fee for the service, friendly staff

DisadvantagesNone

"...in touch then with the Consumer Credit Counselling Service (CCCS) and told me that I could have exactly the same type of agreement without paying for the service!! Too good to be true?? ================== The Consumer Credit Counselling Service and What They Do: ================================================== Right, well in basic terms they are a debt consolidation business but they are also a charity! They do not charge for their service ..." Read review
07.04.2003

Ciao members have rated this review on average: very helpful

Community Level 5mizz_behaves

mizz_behaves

Haemorrhoid removal, the CCCS way.

AdvantagesA non interest debt consolidation plan? Yes, honestly!

DisadvantagesIt takes a long time to really feel the benefit

"... **The aims of the CCCS** The Consumer Credit people are a charity to help people who are are in "financial difficulty by providing free, independent, impartial and realistic advice. " **What happens after the first call.** It's quite some time ago, but I seem to recall I was offered a callback just a few days later. This was to give me time to gather all statements (from banks and creditors), wage slips, Child Benefit books and suchlike. **How ..." Read review
25.02.2005

Ciao members have rated this review on average: very helpful

Community Level 5btco

btco

CCCS HAS HELPED US LET THEM HELP YOU

AdvantagesFREE help and advice, Reducing our debts

Disadvantagesnone

"I had heard about the Consumer Credit Counselling Service (CCCS) from my boss, he was having a bad time with his finances after getting married so had contacted them for help. During one of our regular chats at work I mentioned that things financially were starting to get a bit tight for us. He advised me to have a word with CCCS as they had helped him out in a similar situation and they could do the same for us. Well I wasn't keen on telling the ..." Read review
02.12.2005

Ciao members have rated this review on average: very helpful

Community Level 1marionandr...

marionandrews

YOU'VE READ THE OTHER 7 REVIEWS - NOW READ MINE

AdvantagesDOES WHAT IT SAYS ON THE TIN

DisadvantagesCAN BE JUST AS AWKWARD TO DEAL WITH AS YOUR CREDITORS

"Hopefully you would have read the other 7 reviews in respect of the CCCS so I do not need to go over what they do and how you set up a DMP with them. So now time to read mine, about a slightly less positive experience. BACKGROUND We are an Army family, and had been used to living on the extra perks that our men get when posted to Germany. Wages are higher as allowances are given for extra costs, papers, milk to be brought abroad etc. Living ..." Read review
29.03.2006

Ciao members have rated this review on average: very helpful

Community Level 2miss_diva

miss_diva

CCCS - my heroes Review with images

AdvantagesDo not charge for their services, deal with creditors for you

DisadvantagesGetting out of debt will take some time

"...me. WHO ARE CCCS? ============== CCCS stands for Consumer Credit Counselling Service. Their website can be found at www.cccs.co.uk. The Consumer Credit Counselling Service is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. They are part of The Foundation For Credit Counselling and give advice on budgeting, the use of credit and can also help ..." Read review
06.01.2007

Ciao members have rated this review on average: very helpful

Community Level 6sarahpervin

sarahpervin

the light at the end of the tunnel

Advantagesare recognised by all financial institutes.

Disadvantagesnone

"...ago and they recommended the Consumer Credit Counselling Service as they do exactly the same but do not charge and as they a funded by banks and building societies and are a charity financial institutes are more likely to respond and freeze charges and interest for you. SO WHAT HAPPENS? First you speak to a counsellor on the phone by a pre arranged appointment they then find out what you want to do i.e.; do you just need advice or do you want ..." Read review
07.05.2003

Ciao members have rated this review on average: very helpful

Community Level 1kellypeters

kellypeters

Peter Kelly

AdvantagesThey don't charge a set or ongoing fee for debt management.

DisadvantagesAdvice given maybe biased toward best interests of your creditors, not you

"...the other reviews posted here. The Consumer Credit Counselling service uses its charity status to boost its claim to be champion of the struggling debtor, but is the advice it gives always the best advice? The CCCS is a registered charity and is financed by donations. However, most charities I'm aware of exist to help the cause of those in need without any other agenda. The CCCS is financed by the credit industry. Therefore, is it possible ..." Read review
04.03.2008

Ciao members have rated this review on average: helpful

Community Level 2Anne107

Anne107

CCCS

AdvantagesYou can pay off your debt, You don't need to be scared to answer the phone anymore, Is Free

DisadvantagesBad for credit rating , Creditors aren't obliged to accept your offer

"I first got into debt at university. I thought that it would be easy to pay it all off when I started working and at first it was OK as I moved back in with my parents. It all started to get out of control when I moved down to London for my big career opportunity things were more expensive and my salary didn't go as far as I thought it would. At first I just missed the odd payment but things soon started spiralling and soon I was in £10,000 worth ..." Read review
11.10.2006

Ciao members have rated this review on average: helpful

Community Level 1minka2325

minka2325

Light at the end of the tunnel

AdvantagesThey deal with all your creditors, free service, friendly and helpful

DisadvantagesYour first appointment may take a while

"Three months ago i finally realised that i could no longer survive on my credit cards and keep trying to pay off my overdraft by using my cc's. I looked up debt managemnt online and found a forum that offered free advice and someone to talk to. I contacted CCCS at the end of June and explained my situation to them, she asked me to whom i owed etc whether my property was mine or rented was i behin on my rent, she asked about all my Income and expenditure ..." Read review
24.09.2005

Ciao members have rated this review on average: helpful

Community Level 3sammieg29

sammieg29

a glimmer of hope !!

Advantagesvery friendly , helpful advice

Disadvantagesnone

"...THE SERVICE Cccs stands for the consumer credit counselling service. It is a registered charity which offers FREE, yes i said FREE financial advice. Whether you want to go on a payments plan, thinking through bankruptcy, or just need help budgeting your incomings and outgoings each month. WHAT HAPPENS?? They arrange a telephone appointment which last for 40-60 mins.Whilst awaiting for the call they give you a list of things to get together ..." Read review
19.07.2004

Ciao members have rated this review on average: helpful

Community Level 1crystaltip...

crystaltipps5648

Advice / help with no cost or judging

Advantagescommunication by email or phone , will support your decisions

Disadvantagesonly weekday telephone working hours

"It takes guts to admit you have a problem with debt and do something about it. Some people call this your lightbulb moment. I have a problem - £60k's worth of problem and CCCS are helping me to sort it out. When you build up the courage to do something about your debt situation, it can be hard to talk to someone on the phone about it. CCCS let you fill in all of your debt amounts, income and expenditure online and then give advice as to what ..." Read review
21.07.2007

Ciao members have rated this review on average: helpful

Community Level 1Andysteve

Andysteve

Not quite as good as they seem

AdvantagesAccepted by their paymasters (finance companies and banks) so help get them off your back

DisadvantagesLeave you in penury, can't calculate figures properly,

"As a charity its hard to knock CCCS too hard but bear in mind they are funded by the financial institutions you owe money to - conflict of interest? Some would say so. CCCS is growing very fast and seems to have bitten off more than it can reasonably chew - basic maths errors are creeping into it's statementing - meaning people get nasty shocks when their balances are quite as good as they thought they were. Stock response is CCCS are a charity ..." Read review
13.10.2008

Ciao members have rated this review on average: helpful

Community Level 1Deinerrah

Deinerrah

Registered Charity my A**

AdvantagesDo offer up to date Consumer Debt Advice

DisadvantagesNot totally upfront with clients

"It's simple the CCCS are financed by the Creditors and it's not a non-profit (Charity) organisation they are in it for the money as well so although it appears they are helping the clients who come to them their main aim is to get that client to make a reasonable payment to ensure they get a Fair share contribution back from the Creditors. In order to be accepted for a Debt Management Plan you need at least £5 per creditor for some people this may ..." Read review
18.03.2008

Ciao members have rated this review on average: helpful



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