Suite 411, Kingfisher Centre, Burnley Road, Rawtenstall, Lancashire, BB4 8EQ, United Kingdom
info@artfullodger-liverpool.co.uk
0845 123 55 34
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Artful Lodger Liverpool Ltd Suite 411, Kingfisher Centre, Burnley Road, Rawtenstall, Lancashire, BB4 8EQ, United Kingdom info@artfullodger-liverpool.co.uk 0845 123 55 34 |
Consumer Credit Counselling Service (CCCS)The Consumer Credit Counselling Service (CCCS) is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. You can speak with a freephone helpline counsellor who will undertake an immediate assessment of the situation which will end in emergency help, provision of self-help material or the offer of a debt counselling interview. The interview can take place over the phone or face to face in one of the centres and CCCS will send you information to read in advance. The interview consists of a full review of your credit and debt situation followed by a recommendation of action. The first priority wherever possible is to allow fully for your essential expenditure, priority debts and living expenses. Then the counsellor will assess whether you have enough left over to make an offer of repayment to other creditors. If you do, the CCCS asks creditors to freeze interest, stop penalties, accept a longer repayment period and sometimes a reduced sum. Many creditors now have such respect for the CCCS that they accept its repayment proposals without further checks. Don't wait until the bills arrive "Over half of our clients say they waited too long - over a year after they knew they had a problem - before seeking help," says CCCS Chairman Malcolm Hurlston. You might think that January would be a busy time for debt counselling services. But although the number of people seeking help with debt rises each year by at least 10%, the phones don't start ringing off the hook until February or March when the credit card bills have arrived and repayments are looking tricky. Then the staff can face nearly 1000 calls a day. Those contacting the Consumer Credit Counselling Service carry an average of £25,000 debt, but now many come to the counselling service owing more than £100,000, excluding mortgage debt. For further information about CCCS call 0800 138 1111 Their lines are open 8am to 8pm Monday to Friday. You can also visit CCCS on line at www.cccs.co.uk Check out some of the other services who can provide you with debt advice and debt guidance. |
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