We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 1 8 0 0 9 3 7 4 3 5. Calls are free from landlines and mobiles.

Legal notices

Welcome to our legal notices section. Here you’ll find information about the use of our site.

By using this website, you agree to our terms and our privacy and cookies policy.

The Foundation for Credit Counselling (FCC) is a registered charity and a not-for-profit organisation and trades as StepChange Debt Charity Ireland.

StepChange Debt Charity Ireland provides money management advice, confidential budgeting, debt advice, and debt repayment plans for both individuals and families. Our website ("the Site") aims to provide accurate information and direction.


All material on this website, including all text, logos and images, is protected by copyright. All rights are reserved to StepChange Debt Charity Ireland. No part of the Site may be copied, reproduced, transmitted or translated to another language without our prior written consent, except for your own personal, non-commercial use.

Call monitoring

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


Operating as StepChange Debt Charity Ireland, FCC does not accept liability or responsibility for any inaccuracies within 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.

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 operations, the links are provided for your convenience only.


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.

Our terms of use

These terms describe your responsibilities and obligations in using this StepChange Debt Charity Ireland website.

By using any of these facilities you agree to abide by these Terms of Use and the Privacy and cookies policy.


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 upon for that purpose.


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 this Site.


While we 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

We reserve the right to change the services provided from time to time and to terminate the Site and the services at our discretion.

Privacy and cookies policy

We are committed to respecting and protecting your privacy.

The structure of the Site is such that you can browse any area within it without revealing who you are or any other personal information about you.


Cookies are small data files that are sent to your browser. We use these to collect anonymous information about your use of the Site. Unless you have specifically set your browser not to receive cookies, your browser will automatically accept them. No personal data is collected from them.

Cookies can be deleted from your computer and if you wish you may set your browser not to receive cookies in future. For more information on how to control cookies on your machine, read this guide.

The information that the cookies collect is used to monitor the usage and measure the performance of the service that the Site offers. They also deliver advertising, communications and content from us and third parties, on our Site and those of third parties, specific to your interests.

Acceptance or rejection of cookies does not affect your ability to use this Site. No personal data is collected from you unless you specifically provide us with that information.

We use the following cookies on our site:

Cookie Name Purpose
Google Analytics __utma
These cookies are used to collect information about how our visitors use our website. This information includes the number of visitors to the website, which website they came from and which pages they looked at on our website. The cookies collect information anonymously.
Webtrends ACOOKIE
These cookies are used to collect information about how our visitors use our website. This information includes the number of visitors to the website, which website they came from and which pages they looked at on our website. The cookies collect information anonymously.
These cookies help the functionality of the website. These are deleted when you close your browser.
DotNetNuke language This cookie helps the functionality of the website. This is deleted when you close your browser.
Cookie policy StepChangeIE_AcceptCookiePolicy This cookie lets us know your cookie preferences when you're on our site.
Dentsu Aegis Network _dan_uid
These cookies record your online activities, including your visits to our sites, the pages you have visited and the links and advertisements you have clicked. This allows us and our service providers to deliver advertisements or other communications to you that are designed to be relevant to your interests. The cookies collect information anonymously.
If you wish to opt-out of targeting and advertising cookies please visit: http://www.youronlinechoices.com/ie/your-ad-choices

The companies who collect information on our websites may combine this with other information they’ve independently collected from other websites and/or other online or mobile products and services relating to your activities across their network of websites. Many of these companies collect and use information under their own privacy policies.


The Site is intended for non-commercial personal use only and is provided for the exclusive use of private individuals requiring debt 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 StepChange Debt Charity Ireland. You are not allowed to modify or alter any material provided on the Site in any way.

Our complaints process. Help us to help you.

We're committed to giving you the highest standard of service and customer care. If you don't think we've done this, please tell us so we can investigate.

To do this, email our Client Liaison Manager at customerrelations@stepchange.org or write to us at the following address:

StepChange Debt Charity
Wade House
Merrion Centre
United Kingdom

Please give as much information about your complaint as possible and tell us how you'd like us to resolve it.

What happens after I've sent my complaint?

When we receive your complaint, we'll:

  • Send you an acknowledgement within five working days, enclosing a copy of this procedure
  • Investigate your complaint and aim to respond within four weeks. If we can't do this we'll send you an update.

Our aim is to send a final response within eight weeks of receiving a complaint. If this isn't possible, we'll write to explain why and tell you when we will respond.

Financial Ombudsman Service

If we take more than eight weeks to send a final response, or you don't think we've resolved your complaint, you can contact the Financial Ombudsman Service.

For more information, you can visit their website www.financial-ombudsman.org.uk. You can also call them on +44 20 7964 0500. 

You can also email them at complaint.info@financial-ombudsman.org.uk or write to:

Financial Ombudsman Service 
Exchange Tower
E14 9SR
United Kingdom

You must refer your complaint to the Financial Ombudsman Service within six months of the date on our final response.

Registration details

Foundation for Credit Counselling
Trading as StepChange Debt Charity Ireland

Registered Office:

Wade House
Merrion Centre
United Kingdom

Registered In England no. 2757055

Registered charity in Ireland: 20104887

Registered charity in England and Wales: 1016630
© 2017

Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055) and a charity registered in Ireland (Registered Charity No: 20104887). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG, United Kingdom.
Authorised and regulated by the Financial Conduct Authority.

Open Monday to Friday, 9am – 5pm. Calls free from landlines and mobiles.

StepChange Debt Charity 2018