CCCS
The Consumer Credit Counselling Service (CCCS) is a registered charity that assists people who are in financial difficulty by providing free, independent, impartial and realistic advice through its free national telephone service, ten regional centres and online CCCS Debt Remedy.
More information is available on the Consumer Credit Counselling Service website.
Publisher: CCCS
Date: July 2010
CCCS first quarter dashboard concentrates on the increase seen in men seeking help for their debt problems. The report looks at a number of issues that has led to this change as traditionally more women than men contacted CCCS. The key findings show: The number of men contacting CCCS for debt advice has increased by 51 percent since 2007; 48.05% attribute the cause of their debt to reduced income, including redundancy or unemployment; Men’s average debt levels have dropped from £30,000 in 2007/2008 to £26,957 last year; and The average male CCCS client in 2009 had a negative surplus of minus £42.
Publisher: CCCS
Date: March 2010
An annual statistical review from CCCS (The Consumer Credit Counselling Service) that provides detailed analysis of data obtained from people who sought the help of the CCCS in 2009. The main findings of the review are that: Only a quarter of clients seen in 2009 were in a position to repay their debts; Around 30 percent of clients had no immediate solution as most had budget deficits and their only recommended option was to increase income; Just under half of all clients were homeowners, although the rate of increase in homeowners seeking help has slowed over the last 12 months; There was a slight increase in the proportion of clients under 25, the majority of clients continue to be in their 40s and 50s; and The percentage of male clients seeking help rose to 48 percent in 2009 compared to 44% in 2007, whilst the number of single women seeking help has declined slightly.
Publisher: CCCS
Date: August 2009
An article from CCCS's Debt Dashboard series reports how a rise in unemployment has left large numbers of people having to spend far more than they earn each month. CCCS reports a significant drop in the income of people coming to the charity for help which limits solutions for their debt problems. In the second quarter of 2009 over 30 percent of clients being counselled by the charity had to be advised that there was no immediate solution to their debt problem other than to try and increase their income.
Publisher: CCCS
Date: May 2009
An article from CCCS's Debt Dashboard series provides details around how substantial under-claiming of welfare benefits is forcing eligible people to struggle with debt problems. The report highlights the work of the CCCS specialist welfare benefit team and the impact that this is having in maximising the incomes of CCCS clients.
Publisher: CCCS
Date: March 2009
An annual statistical review from CCCS (The Consumer Credit Counselling Service) that provides detailed analysis of data obtained from people who sought the help of the CCCS in 2008. The main findings of the review are that fewer clients had the means to repay their debts in 2008, clients seeking help are becoming more affluent, clients’ problems are becoming more complicated and the vast majority (90 percent) of CCCS client debts are on credit cards and personal loans, the average client owes over £14,000 on each of these items.
Publisher: CCCS
Date: February 2009
This short report from CCCS highlights how people in debt are unlikely to benefit from the recent reductions in the Bank of England base rate. Furthermore, the report examines the differing ratios between income and amount spent on mortgage payments of its clients compared with clients of the Halifax bank.
Publisher: CCCS
Date: November 2008
An article from CCCS's Debt Dashboard series that looks at the level of credit card use of CCCS clients since 2007. The article shows that credit card debts of CCCS clients has risen significantly, up 19 percent, since January 2007. The trend of increased reliance on credit cards appears to reflect the rise in the cost of living, notably housing and utilities costs.
Publisher: CCCS
Date: September 2008
This report prepared by the Consumer Credit Counselling Service Scotland provides an analysis of debt in Scotland 2004-2008.
Publisher: CCCS
Date: September 2008
This report examines the circumstances of the over-indebted in Wales over the last five years. The information is drawn from over 13,000 clients who had an in-depth counselling session between 2004 and June 2008 with the Wales Centre for Credit Counselling, part of the Foundation for Credit Counselling, an independent charity.
Publisher: CCCS
Date: July 2008
An article from CCCS’s Debt Dashboard series that looks at the rise in motoring costs driven by increases in fuel prices. The report highlights the impact that the hike in fuel costs is having on the pattern of vehicle use of the over indebted.
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