Please read and agree to the Terms and Conditions for the site before continuing.
Disclaimer

The Foundation for Credit Counselling (FCC) is a registered charity and a not-for-profit organisation and comprises of Consumer Credit Counselling Service, Consumer Credit Counselling Service (Scotland) Limited, Consumer Credit Counselling Service Voluntary Arrangements Limited and Consumer Credit Counselling Service Equity Release Limited.

FCC operates as Consumer Credit Counselling Service (CCCS) and provides money management advice, confidential budgeting, debt counselling and debt repayment plans for both individuals and families.

CCCS does not accept liability or responsibility for any inaccuracies within the CCCS Money Matters section of the website (“The Site”) or loss, damage or inconvenience caused as a consequence of any use of or the inability to use any information contained in The Site. We are not responsible for claims against you brought by third parties arising from your use of any information displayed or downloaded from The Site.

Copyright

CCCS Money Matters, all the material in The Site, including all texts, logos and images in relation to CCCS, is protected by copyright and all rights reserved to CCCS. No part of The Site may be copied, reproduced, transmitted or translated to another language without the prior written consent of CCCS except for your own personal, non-commercial use.

© Consumer Credit Counselling Service 2010

Consumer Credit Counselling Service is the operating name of the Foundation for Credit Counselling (FCC), registered charity number 1016630

Our Terms

The terms below describe your responsibilities and obligations in using the Site. By using The Site you agree to abide by these terms of use contained here.

External Links

The Site may contain links to other websites that are not under our control. We do not accept any responsibility for the content within, or availability of, linked sites. The inclusion of any links should not be taken as our endorsement of any of the linked websites or any association with its operation, the links are provided for your convenience only.

Accuracy

The Site has been prepared in order to provide information. Whilst we make every effort to ensure the content is accurate, it is not a comprehensive statement of the law or of the issues raised and should not be relied on for that purpose.

Liability

In no event will FCC, its trustees, agents or employees be liable for any decisions made or action taken through relying on the information in The Site.

Usage

The Site is intended for non-commercial personal use only and is provided for the exclusive use of private individuals requiring advice. Interference or entry to The Site with intent to corrupt, damage or deny service from The Site or for commercial benefit is taken seriously and we will take such action as is necessary to protect The Site from any such activities. The Site and the elements of it are the property of CCCS. You are not allowed to modify or alter any material provided on The Site in any way.

Viruses

We take every effort to remove the risk of viruses and other destructive code, but we cannot guarantee or warrant that files available for downloading from The Site will be free from infection. You assume total responsibility and risk for your use of The Site.

Privacy

CCCS is committed to respecting and protecting your privacy. The structure of The Site is such that you can browse The Site without revealing any personal information about yourself or telling us who you are. If you do provide us with your personal information, we will keep it confidential. We will only use this data to provide you with the services requested.

Whilst visiting The Site, you may voluntarily choose to provide your email address. This information will only be used for the purpose of providing you with the specific information requested and will be deleted within 6 months. It will not be used for any form of marketing.

Cookies

We may collect anonymous information about your use of The Site from cookies. These are small data files that are sent to your browser. Unless you have specifically set your browser not to receive cookies, your browser will automatically accept them. No personal data is collected from them and the cookie contains no reference to CCCS. Cookies can be deleted from your computer.

The information that the cookies collect is used to monitor the usage and measure the performance of the service that The Site offers.

Use of The Site requires acceptance of cookies.

No personal data is collected from you unless you specifically provide us with that information.

Advice Booklet

The advice booklet you receive will not provide product recommendations. If you wish to pursue any particular financial product, CCCS recommends that you seek independent advice from a suitable professional – details of recommended sources can be found in the ‘Next Steps’ section of the Money Matters advice booklet.

CCCS may suggest you pay particular attention to certain areas of advice; however this should be used as a guide and not be seen as a recommendation of one financial priority over another.

Endorsement

If you are using this service with an advisor, CCCS does not endorse any conclusions or recommendations that the advisor makes to you.

If you are using the CCCS Money Matters service as an advisor, CCCS does not endorse any conclusions or recommendations you make. No endorsement should be made or implied.

Security

You must take reasonable precautions to prevent the unauthorised use of your web number.

You should not record or disclose your web number in any way that may result in it becoming known to another person. This could lead to your financial details being accessed and used in an unauthorised manner.

You will be responsible for the accuracy of information transmitted by you and received by CCCS between the time that you access The Site until you log off and exit it. Please note that this includes any input errors or instructions sent by anyone else, with or without your consent. Please do not therefore, leave the device you are using unattended while you are logged on to The Site.

Availability

While CCCS will make every effort to ensure that The Site is permanently available, we will not be liable for any failure to provide the services contained. This includes, in particular, any suspension of The Site resulting from maintenance and upgrades to our systems or those of any party used to provide the services.

Variation / Termination of the Service

CCCS reserves the right to change the services provided from time to time and to terminate The Site and the services at our discretion.

Monitoring

Telephone calls may be monitored and recorded for quality and training purposes.

Complaints

We are fully committed to providing you with the highest standard of service. You can help us do this by letting us know if you are unhappy with the service we have provided.

Please address any complaint to:

Client Liaison Manager
Consumer Credit Counselling Service
Wade House
Merrion Centre
Leeds
LS2 8NG

Your complaint will be fully investigated and we aim to resolve it to your satisfaction.

If you are not satisfied with the outcome, it may be escalated by sending details of your original complaint and the reason for your continued dissatisfaction to the Chief Operating Officer at the above address.

In the rare event that we have not been able to resolve the matter to your satisfaction, please contact the Chief Executive directly at the address above who will provide the final response.

Obviously, we hope that this escalation will not be necessary as our aim will always be to resolve your complaint as soon as we hear about it. Complaints we cannot resolve may be referred to the Financial Ombudsman Service.