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Excellent

Clearing your conscience, taking a huge weight off...

none

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...

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Excellent

“DO YOU NEED SAVING TOO????”

published 16/11/2007

Fantastic service, great advice, friendly employee...

None

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...

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Excellent

You don't pay them a fee for the service, friendly...

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Ok, so you’ve all seen the television advertisements with the tag lines ‘consolidate all your debts into one monthly payment!’ and ‘We will reduce your monthly outgoings by up to 50%’, and all the rest. Now although these companies may seem like the ideal opportunity to get yourself out of...

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Excellent

A non interest debt consolidation plan? Yes, hones...

It takes a long time to really feel the benefit

Debt is a subject I find is similar to haemorrhoids. Not just in the fact it's a pain in the arse to have, but also because no one ever wants to talk about it. I am not proud of our debt, neither do I seek sympathy for it, but I am proud to say I have learned from our mistakes, and for that I...

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Good

DOES WHAT IT SAYS ON THE TIN

CAN BE JUST AS AWKWARD TO DEAL WITH AS YOUR CREDIT...

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...

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Excellent

FREE help and advice, Reducing our debts

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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...

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Excellent

“CCCS - my heroes”

published 06/01/2007

Do not charge for their services, deal with credit...

Getting out of debt will take some time

The spiralling debt problem is always in the news and there are adverts on tv for lots of different companies promising to solve your problems for you. My advice is to do your research before you contact any of these companies. Most of them charge a fee for their services. Only CCCS and Payplan...

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Excellent

are recognised by all financial institutes.

none

My financial status is shocking to say the least I have credit for everything and from everyone. It all started when I hit 18 because every credit company in the world wanted to give me credit and being young and naïve I took it! For a couple of years I was ok, I had a good job and could pay it...

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Satisfactory

“Peter Kelly”

published 04/03/2008

They don't charge a set or ongoing fee for debt ma...

Advice given maybe biased toward best interests of...

I'm an Insolvency Practionor and would like to offer an review of the CCCS from a different point of view than 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...

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Excellent

They deal with all your creditors, free service, f...

Your 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...

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Excellent

“CCCS”

published 11/10/2006

You can pay off your debt, You don't need to be sc...

Bad for credit rating , Creditors aren't obliged t...

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...

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Excellent

“a glimmer of hope !!”

published 19/07/2004

very friendly , helpful advice

none

Ok , so i finally admitted we had financial problems after plodding along sruggling for years! Whilst on the ivillage website i left messages for advice, and someone recommeneded the cccs. who?...i had never heard of em! THE SERVICE Cccs stands for the consumer credit counselling service. It is a...

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Excellent

communication by email or phone , will support you...

only 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...

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Not for me

“Registered Charity my A**”

published 18/03/2008

Do offer up to date Consumer Debt Advice

Not 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...

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Satisfactory

Accepted by their paymasters (finance companies an...

Leave you in penury, can't calculate figures prope...

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...

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