Since early 2021 the charity has also provided eligible clients opportunity to enter “Breathing Space”, allowing them to receive 60 days' respite from interest, fees, and court action to reduce stress and give them time to sort out a debt solution.

The charity was founded in 1993 when Vic Ware OBE and Malcolm Hurlston introduced the Consumer Credit Counselling Service to the UK via a pilot scheme based in Leeds.

There are also centres in the English municipalities of Newcastle, Birmingham, Chester, Scotland's largest city of Glasgow, and the Welsh capital of Cardiff.

[13] Other campaigning work on overdrafts, credit cards, and high cost credit[14] has resulted in policy changes from the Financial Conduct Authority, and the charity continues to press for the reform of bailiff legislation as part of the Taking Control coalition of charities.

These costs also reflect the improvements made after a decade, to colleague remuneration and benefits under the charity’s Total Reward strategy.