More information to appear on the Scottish Charity Register from 9 March 2026, including charity trustee names and accounts documents. Click here for more details.

Charity Details

 

Foundation for Credit Counselling

SC046263Registered charity from 15 January 2016
2MB ZIP file, with green, blue and mono style logos
2MB ZIP file, with green, blue and mono style logos
Charity Information:
The Name the Charity is Known By StepChange Debt Charity
Address StepChange Debt Charity
123 Albion Street
Leeds
Postcode LS2 8ER
Regulatory Type Cross-Border
Link to Companies House https://beta.companieshouse.gov.uk/
Object:
3. The objects for which the Charity is established are:- 3.1 the prevention or relief of poverty amongst persons who are in debt (particularly in the United Kingdom) by:- (a) the provision of advice to assist such persons to re-schedule and refinance their borrowings; (b) the provision of financial education to enable such persons to manage their finances more effectively; (c) the establishment and support of counselling services to which such persons may resort for advice on debt matters generally; (d) the establishment of an insolvency practice to which such persons may resort as an alternative solution to debt problems; and (e) the establishment or support of such other services or products for the public benefit to assist in the relief of poverty. 3.2 to advance the education of the public in general (and particularly amongst persons in debt or at risk of falling into debt) on the subject of financial budgeting, financial products and financial services.
Operations:
Charity Status: Active
Constitutional Form: Company (the charity is registered with Companies House)
Constitutional Form Date: 15 Jan 2016
Main Operating Location: Outwith Scotland
Number of Staff: 1082
Purposes: "the prevention or relief of poverty", "the advancement of education"
Beneficiaries: "Other defined groups", "No specific group, or for the benefit of the community"
Types Of Activity Undertaken: "It carries out activities or services itself"
Annual Submissions:
Year End Income Expenditure Annual Return Received Accounts Received Latest Annual Reports and Accounts
31 Dec 2021 £60,976,000 £61,590,000 01 Sept 2022 Yes
31 Dec 2022 £62,002,000 £59,938,000 09 Aug 2023 Yes
31 Dec 2023 £54,731,000 £59,467,000 15 Aug 2024 Yes
31 Dec 2024 £58,431,000 £59,525,000 12 Aug 2025 Yes Published accounts can be found on the Charity Commission website
31 Dec 2025 No Annual Information due by 30 Sept 2026
If an annual return has been received on time (within nine months of the Year End Date), the 'Annual Return Received' box is green   . If an annual return is late, the box is red   .
Income and Expenditure:
Charity Trustees:
First Name Last Name
Christopher Wood
Lesley Titcomb
Michael Ashley
Elizabeth Harding
Janet Pope
Sean Lynskey
Ramondeep Kaur
Susan Acton
Lisa Mellor
Yvonne Klimaytys
Barbara Dean
Nicholas Caplan
From 09 March 2026, OSCR is required by law to publish the names of a charity’s trustees as part of its Scottish Charity Register entry. We are also required to publish each charity’s annual report and accounts as received from this date, which may include the names of certain individuals. The only exceptions to publication are where a charity or one of its charity trustees applies for this information to be excluded, and OSCR is satisfied that publishing it would jeopardise the safety or security of a person or premises.

If the charity trustee information on a Register entry appears blank, this may mean that an exemption applies or that the charity has not yet provided the required details to OSCR. Supplying this information will become mandatory as part of future annual submissions.
Copyright

From 30 June 2025, OSCR began collecting charity trustee information through OSCR Online. Providing this information is a legal requirement for all charities. The names of trustees will be published on the Scottish Charity Register from early 2026 to promote transparency and strengthen public trust in the sector.

© Office of the Scottish Charity Regulator 2006. Crown Database Right 2006.

The Scottish Charity Register ("The Register") is subject to Crown database right.

The Scottish Charity Register is licenced under the Open Government Licence v3.0.

Open Government Licence logo

When you use this information under the OGL, you should include the following attribution: © Crown Copyright and database right 2020. Contains information from the Scottish Charity Register supplied by the Office of the Scottish Charity Regulator and licensed under the Open Government Licence v.3.0.

Charity accounts and constitution – what information do we publish?

The Scottish Charity Register contains key information about a charity’s operations and finances. This includes:

  • the names of a charity’s trustees (exemptions apply)
  • its annual report and full accounts, if submitted after 9 March 2026
    (Accounts submitted prior to 9 March 2026 will be redacted, or may not be published, depending on the charity’s income level or legal form.)

These changes are designed to improve transparency across the charity sector in Scotland.

Please note that we accept no responsibility for the functionality, accuracy, or content of external websites. If you experience a technical issue with an external link, you should contact the charity directly.

Under section 23(1)(a) and (b) of the Charities and Trustee Investment (Scotland) Act 2005, you have the right to request the following information directly from the charity:

  • a copy of the charity’s latest statement of accounts
  • a copy of the charity’s constitution
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