Watch out for claims managers offering restructured repayments and resettlements or contacting creditors on your behalf. All of these activities require a Consumer Credit Licence as well as Ministry of Justice registration. Another dodgy practice is offering debtors a self help forum so as to sell credit brokerage through the back door. Before sharing details, check advisors hold either or both of the following: Category D for debt adjusting and Category E for debt counselling. Both licences have sub-categories, D2 and E2 for non-commercial or free services. Most consumers only need the latter. Enter individual or company names and numbers to check licences on the OFT Consumer Credit Register.http://www2.crw.gov.uk/pr/Default.aspx
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