Free confidential Debt Advice

How the Consumer Credit Counselling Service can help.
Call HSBC on 03457 404 404 (textphone 18001 03457 125 563)

Interviewer:

'Today we are talking to Jan from Consumer Credit Counselling Service, the UK's leading debt Charity. Jan we know from customer feedback that people experiencing financial difficulties often feel unsupported, stressed, and isolated, so what I'd like to do today is ask you about the work the CCCS do to support people with financial difficulties?'

Jan:

'Thank you, I'm conscious that some of your listeners may not have even heard about Consumer Credit Counselling Service, so I think it would be best if I say a few words about what we do. We are a registered charity and we have operated for around fifteen years now, primarily to provide free confidential debt advice and solutions, and solutions that help people repay their debts in a structured and manageable way. The support and guidance from our councillors is really from the first point they contact us through to their debts being repaid in full.'

Interviewer:

'How do your clients feel about dealing with a charity?'

Jan:

'I think that the key thing for people is that because we have charitable status we are not here to make a profit, and therefore we are able to offer our clients a service, and the support that we give them is absolutely free of charge. The fact that we are a charity no way compromises the quality of the service that we offer. Our councillors are all highly skilled and trained individuals and they are totally committed to providing professional advice and support to people with financial difficulties and that is quite unique to the people who work in a charity.'

Interviewer:

'Its great to get the background, tell me about the type of support you can offer people?'

Jan:

'Well people need different levels of support. Some people will simply call the help-line and need an answer to a query or some basic budgeting advice, so we can send them a self-help pack that basically tells them how to draw up a household budget, how to talk to their creditors and negotiate payments, etc. But many more people have a more complex situation that may have been affected by a relationship breakdown or a loss of income and they are in a multiple debt situation that they simply cannot manage on their own. And these people really need longer term support from the charity.'

Interviewer:

'How can people contact you?'

Jan:

'We have a web site that is full of useful information on dealing with debt, and that may help people to decide if they have a problem or not. It also helps people to work towards a solution, but for people that don't really want to use the web and want to talk to us, they can telephone 0800 138 1111 between 8am and 8pm Monday to Friday. The other thing that people can do is pick up the phone and speak to their bank or the company that they have borrowed money from. They usually can help work with these individuals to find solutions.'

Interviewer:

'Great advice, if you think that you may be in financial difficulties and would like to speak to HSBC please call on 03457 404 404) or (textphone 18001 03457 125 563) Open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day). Calls may be monitored and/or recorded for security and service improvement purposes'.