ECDN is now led by Dieter Korczak and Kazimierz Janiak

The European Consumer Debt Network elected at its General Assembly Dieter Korczak (GP Forschungsgruppe) as President and SKEF (Society for Promotion of Financial Education) represented by Kazimierz Janiak as Vice-President. Their term will be four years. They follow ASB GmbH represented by Hans Grohs (President 2007-2015) and Réseau Financement Alternatif ASBL represented by Olivier Jerusalmy (Vice-President 2013-2015).

  • Dieter Korczak (Sociologist) is managing director of the German social research institute GP Forschungsgruppe. Since 1990 he has conducted a series of over-indebtedness studies as well as research and consultancy in the field of economic consumer behaviour, financial literacy, financial prevention and credit-scoring. Dieter Korczak: “We will restructure and vitalise ecdn to get more awareness and impact on national and European level.”
  • Kazimierz Janiak is CEO of the Society for Promotion of Financial Education (SKEF). SKEF is the Polish NGO established in 1997. SKEF is initiating, conducting and supporting actions to promote better financial education and to prevent overindebtedness. Kazimierz Janiak: “We will bring back the dynamic of ecdn and improve our relations to the European Commission.”

Both organizations participated in the ecdn research projects on financial inclusion (2005) and financial education (2007).

ECDN was founded as a non-governmental organization in 2007 and brings together 31 membership organizations from 17 European countries. The magazine “Money Matters” is published bi-annual.

ECDN constitutes a new Management Committee

In December‭ ‬2015‭ ‬the European Consumer Debt Network constituted a new Management Committee at the General Assembly in Berlin.
The Management Committee is the operative board within ECDN.‭ ‬For the term‭ ‬2016‭ – ‬2019‭ ‬the MC consist now of:

  • ASB‭ (‬Austria‭)‬,‭
  • L’Observatoire du Crédit et de l’Endettement (‬Belgium‭)‬,‭ ‬
  • Takuu-Satio‭ (‬Finland‭)‬,‭ ‬GP Forschungsgruppe‭ (‬Germany‭)‬,‭
  • EKPIZO‭ (‬Greece‭)‬,‭ ‬
  • SKEF‭ (‬Poland‭)‬,‭
  • ‬Konsumentverket‭ (‬Sweden‭) ‬and‭ ‬
  • The‭ ‬Money Advice‭ ‬Service‭ ‬(United Kingdom‭)‬.

The GA thanked Debt Advisory Center (‬Czech Republic‭)‬,‭ ‬NIBUD‭ (‬The Netherlands‭) ‬and Réseau Financement Alternatif‭ (‬Belgium‭) ‬which did not stand for re-election after eight years of fruitful participation.
The GA and new MC confirmed the Observatoire du Crédit et de l’Endettement as Secretary of ECDN for another four years.
ECDN is a European civil society network built on the experiences and activities of key actors in the fight against over-indebtedness and financial exclusion.‭ ‬The network was founded in‭ ‬2007‭ ‬and brings together‭ ‬31‭ ‬membership organizations from‭ ‬17‭ ‬European countries.‭

10 General Assembly of ECDN (European Consumer Debt Network)

December 8, 2015 , 13:00 – 18:00

Room  “City East”

A&O  Hotels & Hostels

Berlin- Hauptbahnhof

Lehrter Straße 12

10557 Berlin

Tel.: +49-(0)30- 80947 5110


  • TOP 1: Welcome & Registration
  • TOP 2: Approval of GA minutes of 2014
  • TOP 3: Report of the Management Committee about activities in 2014-2015
  • TOP 4: Report of the Treasurer
  • TOP 5: Discussion of the reports and approval
  • TOP 6: Discussion of the further status/ development of ecdn
  • TOP 7: Presentation of candidates for the MC/presidency/vice-presidency/ treasurer
  • TOP 8: Election of MC/ president/vice-president/treasurer
  • TOP 9: AOB

For further information regarding the hotel, see:

Money Matters - new edition

The 12th edition of Money Matters includes materials collected during ECDN General Assembly in December 2014.


  • New debtors in the Netherlands,
  • Is debt relief rehabilitative? A new report from The Swedish Consumer Agency,
  • Measures against overindebtedness in Sweden 2014,
  • Scoring in Germany,
  • Overindebtedness in Germany,
  • A new legislation on personal bankruptcy in Poland,
  • The features of the consumer protection environment against overindebtedness in Romania 2014.

Materials from conference Household over-indebtedness. A European strategy against over-indebtedness - What could be done at the EU level?

Opinion of the European Economic and Social Committee on Consumer protection and appropriate treatment of over-indebtedness to prevent social exclusion. References: CESE 791/2014 - INT/726 - Exploratory Opinion General. Rapporteur: Ms Reine-Claude Mader

Presenter: Olivier Micol - DG Justice & Consumers - European Commission - Main results of the study on households' over-indebtedness
Presenter: Andrea Falanga - Réseau Financité & EFIN - Major findings of overindebtedness report

Panel 1: The situation of over-indebtedness at early stage
Presenter: Alin Iacob - Association of Financial Services - Users Easy credits before crisis and their consequences on consumers
Presenter: Maxime Chipoy, UFC Que Choisir - Regulation of “easy-to-obtain” small consumer loans with a high-interest rate (France)
Presenter: Richard Piggin - Which? Group - Cleaning Credits

Panel 2: Build effective tools to detect and cure debt issues at early stage
Presenter: Richard Ahlström - Malmö University - Is debt relief rehabilitative?
Presenter: Caroline Siarkiewicz - Money Advice Service -Debt advice works: Measuring the effectiveness of crisis interventions
Presenter: Jan Siebols - Vroeg er op af, City of Amsterdam - Late payment early warning project in Amsterdam
Presenter: Maxime Pekkip - Crésus Federation - Détection précoce du surendettement (Fr)

To see panels 3 and 4 click "Read More".

Read more: Materials from conference Household over-indebtedness. A European strategy against...