Foundation For Credit Counselling
Foundation For Credit Counselling
Trading as: StepChange Debt Charity
#02757055 • Active
B2cServices
StepChange Debt Charity provides free, expert debt advice and support to individuals facing financial difficulties. With over 30 years of experience, they offer tailored solutions to help clients regain control of their finances.
Founded: 19/10/1992
Industries: Financial intermediation not elsewhere classified
Website: https://stepchange.org
Phone: Subscribe to view
Email: Subscribe to view
Location: Glasgow
Products
- Breathing Space
- Card Repayment Calculator
- Debt Consolidation Calculator
- Emergency Help And Support
- Online Benefits Calculator
Services
- Bankruptcy Advice
- Debt Arrangement Scheme (das)
- Debt Management Plan (dmp)
- Debt Relief Order (dro)
- Debt Solutions In Scotland
Financial Snapshot
Last accounts made up to 31 December 2023
Next accounts due 30 September 2025 (4 months)
Cash in Bank £9.49m
↓ -18%
Turnover £54.73m
↓ -12%
EBITDA -£2.55m
↓ -152%
Total Liabilities £3.94m
↓ -22%
Employees 1,175
↓ -6%
Directors
Name | Role | Appointed ↓ | Nationality | Age |
|---|---|---|---|---|
| Janet Edna Pope | Non Executive Director | 01/01/2024 | British | 64 years |
| Michaeljohn Ashley | Director | 01/07/2023 | British | 70 years |
| Elizabeth Mary Harding | Charity Ceo | 01/07/2023 | British | 42 years |
| Susan Acton | Freelance Consultant | 01/07/2023 | British | 52 years |
| Yvonne Jean Macdermid | Independent Consultant / Non Executive Director | 01/07/2021 | British | 67 years |
| Christopher Mark Wood | Financial Services Executive | 01/02/2021 | British | 54 years |
| Nicholas Michael Caplan | Director | 26/02/2019 | British | 65 years |
| Lesley Jane Titcomb | Company Director | 21/01/2019 | British | 63 years |
| Barbara Helen Dean | Chief Executive | 21/01/2019 | British | 65 years |
| Christopher John Stern | Managing Director | 01/07/2016 | English | 68 years |
Role:
Non Executive Director
Appointed:
01/01/2024
Nationality:
British
Age:
64 years
Role:
Director
Appointed:
01/07/2023
Nationality:
British
Age:
70 years
Role:
Charity Ceo
Appointed:
01/07/2023
Nationality:
British
Age:
42 years
Role:
Freelance Consultant
Appointed:
01/07/2023
Nationality:
British
Age:
52 years
Role:
Independent Consultant / Non Executive Director
Appointed:
01/07/2021
Nationality:
British
Age:
67 years
Role:
Financial Services Executive
Appointed:
01/02/2021
Nationality:
British
Age:
54 years
Role:
Director
Appointed:
26/02/2019
Nationality:
British
Age:
65 years
Role:
Company Director
Appointed:
21/01/2019
Nationality:
British
Age:
63 years
Role:
Chief Executive
Appointed:
21/01/2019
Nationality:
British
Age:
65 years
Role:
Managing Director
Appointed:
01/07/2016
Nationality:
English
Age:
68 years
People with Significant Control
| Name | Nature of Control | Notified On | Nationality | |
|---|---|---|---|---|
| No active PSCs found | ||||
No active PSCs found
Financial Accounts
| Dec 2023 | Dec 2022 | Dec 2021 | |
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| Creditors (> 1 year) | |||
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Charges
No charges registered
Properties
8 properties
Regions
4
Freehold
0
Leasehold
8
WALES
Fourth floor office, (4.2) 33-35 Cathedral Road, Cardiff CF11 9HB
Leasehold • CF11 9HB
Added 16/07/2014 • CARDIFF
WALES
Office Suite Fourth Floor, 33-35 Cathedral Road, Cardiff (CF11 9HB)
Leasehold • CF11 9HB
Added 20/10/2005 • CARDIFF
NORTH WEST
The Second Floor, Merchants House, Crook Street, Chester (CH1 2BE)
Leasehold • CH1 2BE
Added 09/12/2014 • CHESHIRE WEST AND CHESTER
Grants
Total grant funding received: £13,100,903.39
| Programme | |||
|---|---|---|---|
| 26/05/2023 | £17,553.50 | Quartet Community Foundation | Donor Directed |
| As directed by the donor towards debt advice work. | |||
| 22/03/2022 | £5,230,961.00 | Department for Work and Pensions | ALB - MaPS - Debt Advice |
| The provision of free to client debt advice (circa. 74,928 clients served) via telephone and digital channel across England in line with MaPS statutory remit as set out in the Financial Guidance and Claims Act 2018. | |||
| 20/03/2022 | £3,483,562.89 | Department for Work and Pensions | ALB - MaPS - Grants for Covid 19: Increasing Debt Advice Capacity 2022 |
| The provision of free to client debt advice as per the statutory remit set out in the Financial Guidance and Claims Act 2018.The grant agreement is to fund the increased capacity of 94 FTE advisers. | |||
| 20/03/2022 | £1,868,750.00 | Department for Work and Pensions | ALB - MaPS - Grants for the Administration of Debt Relief Orders |
| The administration of c. 8,083 Debt Relief Orders (DROs) by Competent Authorities within the debt sector in England.The Financial Guidance and Claims Act 2018 which established MaPS requires MaPS to have regard for those most in need. DROs are a critical debt solution for many who fall into that category and tend to be used by very low-income clients and often those in vulnerable circumstances. Most debt advice agencies who process DROs (as Competent Authorities) undertake a significant administrative effort which is currently underfunded. | |||
| 01/04/2019 | £2,500,076.00 | Department for Work and Pensions | ALB - MaPS - Money and Pensions Service |
| Provision of debt advice | |||
Quartet Community Foundation
£17,553.50As directed by the donor towards debt advice work.
Date Awarded:
26/05/2023
Programme:
Donor Directed
Department for Work and Pensions
£5,230,961.00The provision of free to client debt advice (circa. 74,928 clients served) via telephone and digital channel across England in line with MaPS statutory remit as set out in the Financial Guidance and Claims Act 2018.
Date Awarded:
22/03/2022
Programme:
ALB - MaPS - Debt Advice
Department for Work and Pensions
£3,483,562.89The provision of free to client debt advice as per the statutory remit set out in the Financial Guidance and Claims Act 2018.The grant agreement is to fund the increased capacity of 94 FTE advisers.
Date Awarded:
20/03/2022
Programme:
ALB - MaPS - Grants for Covid 19: Increasing Debt Advice Capacity 2022
Department for Work and Pensions
£1,868,750.00The administration of c. 8,083 Debt Relief Orders (DROs) by Competent Authorities within the debt sector in England.The Financial Guidance and Claims Act 2018 which established MaPS requires MaPS to have regard for those most in need. DROs are a critical debt solution for many who fall into that category and tend to be used by very low-income clients and often those in vulnerable circumstances. Most debt advice agencies who process DROs (as Competent Authorities) undertake a significant administrative effort which is currently underfunded.
Date Awarded:
20/03/2022
Programme:
ALB - MaPS - Grants for the Administration of Debt Relief Orders
Department for Work and Pensions
£2,500,076.00Provision of debt advice
Date Awarded:
01/04/2019
Programme:
ALB - MaPS - Money and Pensions Service
Government Council Contracts Beta
No council contracts found
Company Filings
| Date | Category | Description | Document |
|---|---|---|---|
| 15/10/2024 | Confirmation Statement | Confirmation Statement With No Updates | View (3 pages) |
| 01/07/2024 | Officers | Termination Director Company With Name Termination Date | View (1 page) |
| 25/06/2024 | Accounts | Accounts With Accounts Type Group | View (74 pages) |
| 02/05/2024 | Officers | Appoint Person Secretary Company With Name Date | View (2 pages) |
| 02/05/2024 | Officers | Termination Director Company With Name Termination Date | View (1 page) |
| 11/03/2024 | Officers | Change Person Director Company With Change Date | View (2 pages) |
| 02/01/2024 | Officers | Appoint Person Director Company With Name Date | View (2 pages) |