Wendy Harrison, HSL wendy@harrisonsadler.com T: 020 8977 9132 Further Information About Demsa DEMSA was established in December 2000 in order to promote good practice in the debt management industry, and to protect the interests of the public and the lenders to whom they owe money. Debt management companies act on behalf of borrowers to help them to clear their debts. They do this by entering into direct negotiations with creditors in order to facilitate the repayment of debts. In return for their services debt management companies are generally paid a fee by the borrowers. Membership of DEMSA is reliant upon debt management companies being able to demonstrate that they comply with the standards set out in the DEMSA Code of Conduct. The Code of Conduct has been developed in consultation with a number of debt management companies and major lenders. The aim of the Code, and that of DEMSA, is to encourage debt management companies to provide services of the highest standards in which the public and the credit industry can have confidence.

Press Office enquiries@dcms.gov.uk T: 020 7211 2210   /  M: 07699 751 153 (out of hours telephone pager)

Media enquiries newsdesk@businessandtrade.gov.uk

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Press contact Rachel Mason, Creative Director, PR Prose prprose@live.co.uk 07759147131

Media contact Will Howell, Media Relations Manager  07483 358581 / Will.Howell@thecoventry.co.uk

Press contacts Catherine Turner, Head of Group PR – Corporate & Life Services catherine.turner@co-operative.coop Sarah Fitton, PR Business Lead – Corporate sarah.fitton@coop.co.uk Mark Carrington, PR Business Lead - Corporate mark.carrington@coop.co.uk

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Press Enquiries press@companieshouse.gov.uk T: 0303 1234 500

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Press contacts press.office@citizensadvice.org.uk 03000 231 080  /  0845 099 0107 (out-of-hours media enquiries)

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Media Enquiries Efficiency and Reform Group T: 020 7276 0400 Constitutional and political reform T: 020 7276 0432 Propriety, Civil Service and corporate T: 020 7276 0102 Out of hours T: 07074 667 000 (please note, this number cannot receive text messages) Christian Cubitt, Head of Communications and Press Secretary to the Minister for the Cabinet Office T: 020 7276 2533 Emily Mansell, Chief Press Officer and Press Secretary to the Minister for Civil Society T: 020 7276 1447 Andrew Francis, Senior Press Officer, Efficiency T: 020 7276 3811 Ben Oliver, Press Officer, Civil Society T: 020 7276 0436 Siobhan Bruce, Press Officer, Planning T: 020 7276 2210 Bob Honey, Chief Press Officer and Press Secretary to the Cabinet Secretary T: 020 7276 0432 Collette Bird, Senior Press Officer T: 020 7276 2234 Ross Palmer, Press Officer T: 020 7276 0400

capitalone@itsprettygreen.com Further Information The Capital One Group is a Top 10 card issuer in both the UK and the USA, and came into operation in the UK in 1996. Capital One are about helping people succeed with credit, and putting customers at the heart of everything they do. From knowing if you’ll be accepted for a balance transfer card before applying thanks to their Balance Transfer Guarantee that enables you to check if you’ll be able to transfer the amount you need, without affecting your credit score, to making payments on your mobile, all the while keeping it clear and simple so you know exactly what to expect from them. Company Information Capital One UK was established in 1996 and is part of Capital One Financial Corporation, a Fortune 500 company trading on the New York Stock Exchange and is included in the S&P 100 index. Headquartered in McLean, VA, Capital One is a diversified financial services company whose principal subsidiaries, Capital One, N.A., Capital One Bank (USA), N.A., and Capital One Auto Finance, Inc., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Awards 2021: Moneyfacts Awards – Four Star Rating for Personal Credit and Charge Card Fairer Finance – Five Star Rating for Credit Building with Classic Credit Card   2020: Card and Payment Awards – Winner of Best Achievement in Customer Service Card and Payment Awards – Winner of Social Inclusion in Financial Services Card and Payment Awards – Winner of Best Vulnerable Customer Strategy   2019: Card and Payment Awards – Winner of Changing Lives in the Community Card and Payment Awards – Winner of Best Technology Initiative of the Year Card and Payment Awards – Winner of Best Design of the Year Fairer Finance – Five Star Rating for Credit Building with Classic Credit Card

Press contact media@brc.org.uk 020 7854 8924  /  07557 747 269 (out of hours)

Chloe Wilkinson, Director of External Communications chloe.wilkinson@barclaycard.co.uk T: 0203 555 4036

Press contacts Sarah Tartaglia, Communications Manager, Consumer Finance Credit cards and unsecured personal loans Sarah.Tartaglia@lloydsbanking.com 07766 505020 Lauren Williamson, Savings Lauren.williamson@lloydsbanking.com 07384244929 Karen Carpenter, Private Banking karen.carpenter@lloydsbanking.com 07972 766 789