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Debt Advice Foundation (DAF) was established in 2002 and is a registered charity in England and Wales (1095705). Our mission is to help the growing number of people who find themselves with unmanageable debts. We do this in a number of different ways including one-to-one advice and education initiatives. The charity also offers dedicated helpline assistance for community groups and other organisations. Debt Advice Foundation features on Directgov and on the FSA (Financial Services Authority) consumer website Money Made Clear as a source of free and impartial debt advice. Debt Advice Foundation s Ethical debt advice Framework is based on three fundamental principles: The consumer has an obligation to make their best sustainable offer (to repay that they can afford to). The debt advisor has an obligation to verify the facts and provide the most appropriate (and least drastic) advice based on those facts. The creditor has an obligation to "treat their customers fairly" and (assuming that the debtor and the debt advisors have carried out their obligations) agree to the solution proposed.
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