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About Us

Demsa Tree Picture

Mission Statement

Our aim is to encourage the highest standards within the Debt Management Industry. Clients are, by the very nature of the financial circumstances that cause them to contact debt managers, often vulnerable and in extremis. It is the debt managers’ responsibility to deal with them both compassionately and effectively, through the ethical practices set out in our Code of Conduct.

General Secretary: Richard Wharton

Richard joined DEMSA at the outset, having spent 30 years in the Banking Industry. He has worked closely ever since with the Office of Fair Trading (OFT) to produce our Code of Conduct and to secure its’ approval under the Consumer Codes Approval Scheme.

He now meets regularly with theĀ Trading Standards InstituteĀ (TSI) and other stakeholders to ensure that the Code is current and covers the evolving nature of the industry.