Credit Industry and Trade Bodies

Association of Payment Clearing Services
APACS is the trade association for payments and payment services. This site
contains information explaining the operation of payment methods such as
automated (BACS) cheques, direct debits, CHAPS and plastic cards. The site has a
number of guides and publications which can be downloaded, including a guide to
best practice.

Association of British Credit Unions
ABCUL is the main trade association for credit unions in the UK. This website
includes sections on the role of credit unions, a list of members, a credit union
search engine how they are run and regulated. It also contains information about
the new CONNECT project, which assists in the building of relationships between
advice agencies and local credit unions.

British Bankers Association
The BBA is the leading association for the UK banking and financial services sector.
The site has information about banking regulations, legislation, up to date statistics
on finance and credit. The Banking Code which can be downloaded. The site also
has a section of consumer fact sheets and leaflets covering topics like borrowing money, managing finances and debt, finding lost accounts, availability of basic bank
and business accounts, banking aboard and information about mental capacity.

British Cheque Cashers Association
The British Cheque Cashers Association is the trade association of the cheque
cashing industry in the UK. The site has a copy of their code of practice and a
search engine to find members.

Building Societies Association
The Building Societies Association (BSA) is the trade association for all of the UK’s
building societies. The website Includes general information about building
societies and its members. It has consumer fact sheets covering topics such as
dormant accounts, mental capacity, fraud, mortgages and ISAs. There is also a
facility for tracing and finding lost accounts.

Civil Court Users Association
The CCUA is a membership organisation that represents the interest of those using
the courts. The CCUA lobbies the Ministry of Justice and The Court Service on
behalf of users mainly creditors or collectors to improve the service provided by the

Council of Mortgage Lenders
The trade association for the mortgage lending industry. The site lists all CML
members with links to the lenders’ own sites. It has a good deal of information
about mortgage regulation and home ownership matters. It includes The Mortgage
Code, various policy statements and a range of consumer information. It also has
factsheets dealing with complaints under the mortgage code, policy about arrears
and possession and the voluntary agreement on mortgage shortfalls.

Consumer Credit Trade Association
The CCTA is a trade association which supports and represents some businesses
involved in consumer credit, hire and debt collection, motor finance and insurance

Consumer Credit Association
The CCA is the trade body of the home credit industry. With around 500 lender
members it is the focal point for contact by government, local authorities, other
finance sector representative bodies, consumer groups who have an interest in the
home credit industry and the media. The site has information about making a
complaint to the CCA and includes the members pledge and the Code of Practice.

Credit Services Association
The UK trade body for companies connected to the tracing, collection and recovery
of debt. The site includes their code of conduct and list of members. Also has a
sub-site for the Debt Buyers and Sellers Group which represents the debt sales and
purchase industry.
Debt Buyers and Sellers Group – see Credit Services Association

Enforcement Services Association
A central organisation for certificated bailiffs and civil law enforcement agents.
Formerly the Certificated Bailiffs Association, the ESA promotes ethical and
professional conduct among members. The site includes access to the rules, code
of conduct and complaints procedure.

Finance and Leasing Association
The major consumer finance trade body for the asset, consumer and motor finance
sectors in the UK. The site contains a search facility for members. All FLA Lending
Codes can be accessed depending on the relevant year of the agreement. The site
contains useful consumer guidance about money advice and payment difficulties
and has a detailed explanation about early repayment charges under the Consumer
Credit Act. The site contains information about the FLA’s complaints procedure.

National Pawnbrokers Association
Includes basic information about pawn-broking and its history.