National Audit Office / Insolvency Service / Consumer Credit Counselling Service / office of Fair Trading / ¬¬ Citizens Advice ¬¬ Consumer Credit Counselling Service / Personal Finance Research Centre / Ministry of Justice ¬¬ Her Majesty’s Treasury Regulators ¬¬ Financial Service Authority / British Bankers Association ¬¬ UK Cards Payment Association / Department for Work and Pensions / / /