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*An IVA (Individual Voluntary Arrangement) is subject to acceptance. Debt write off applies to unsecured debts and on completion of an IVA. In some IVA’s up to 80% of the debt can be written off. The amount written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 70% are realistic, depending on your ability to repay.

Why people chose iDebtPlan?

At iDebtPlan we do not provide any advice as we act as an introducer. Simply complete our form, where we will introduce you to one of our authorised debt solution partners. Your financial needs will be assessed by our trusted providers, offering you suitable advice to meet your current circumstances. The financial assessment enables you in the majority of cases to:

How a debt management plan could help you....

*Your financial needs will be assessed by our providers, offering you suitable advice to meet your current circumstances.

Before

Loan

Credit Card

Overdraft

Payday Loans

£9,700

£2,350

£1,075

£2,180

Total Repayments

£466

Once on Debt Management Plan

Interest & charges are requested to frozen

Just one monthly repayment to your creditors

One point of contact

Leads to a reduction in harassing phone calls

Single Repayment

£167

Start reducing your Debt Repayments & regain control...

Frequently Asked Questions

Debt Management Pros and Cons

What are the Advantages of a Debt Management Plan?

A debt management plan will give you the satisfaction that you are paying ALL your debts. You will no longer need to juggle your payments and worry about those unexpected bills that life tends to throw at you

Other Advantages:
- You will have one payment each month.
- You will no longer need to communicate directly with your existing creditors
- Your chosen debt management company will request that interest and charges are frozen. This will stop your debts growing, enabling you to pay back the money you have borrowed.

What are the Disadvantages of a Debt Management Plan?

There are some disadvantages with a Debt Management Plan.
- If your creditors refuse to freeze or lower your interest, paying a reduced amount over a longer period could increase the amount you repay.
- You will pay a fee for the services provised. There are companies which can do the same job for free. You can get more information at www.moneyadviceservice.org.uk - You are still required to repay in full any items of credit that are not included in your debt management plan.
- A Debt Management Plan will affect your credit rating in the medium to long term. As you are repaying your debts at a reduced rate, your lenders are legally obliged to send you a Default Notice to say your account is in arrears. A Default Notice will remain on your credit file for 6 years.

IVA Pros and Cons

INDIVIDUAL VOLUNTARY ARRANGEMENTS

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and your unsecured creditors, arranged and supervised by a Licensed Insolvency Practitioner (IP). In short you agree to pay back the maximum you can afford over a specified period of time, usually 5 years, at the end of which period your creditors agree to write of any remaining balances.

The IP will work with you to calculate the maximum monthly payment you are able to make and also assess whether you have anything else you are able to offer to your creditors to enhance the agreement e.g. from the sale of an asset or savings.

An IP will advise you on the terms of the agreement to maximise the chances of acceptance by your creditors and will assist you in preparing the legal document.

We do not charge you for advice about an IVA or for help with the preparation of the documents. If you are in a debt management plan already it will continue as normal until your IVA has been approved.

Our partners do charge fees for the work both for getting the agreement approved by your creditors and for monitoring it, but these fees are agreed by your creditors and are taken out of the payments made by you once the arrangement has been approved, so you do not pay anything extra to cover the fees. However, the creditors allow the IP to take their fees before they make payments to them which means that if you did find yourself with sufficient funds to pay your creditors in full, because they take a fee first, you would need to pay these fees in addition to the payments to your creditors.

IS AN IVA THE RIGHT SOLUTION FOR YOU?

An IVA is a form of insolvency and is a legally binding agreement therefore it is important that you consider whether:

- You feel able to commit to a regular payment for the next 5 years
- You may be able to resolve your financial problems without the need for a formal arrangement e.g. if you are expecting a pay rise or could sell an asset to pay your debts
- You are willing to be open and honest with your creditors about everything that you owe and all of the assets that you have
- You are willing to provide the Insolvency Practitioner with copies of your wage slips or other proof of income each year. A review of income and expenditure is usually a required term of the agreement.
- You are in financial difficulty and cannot make the required payments to your creditors

ADVANTAGES

- You will pay an amount that you can afford over a limited period; usually 5 or 6 years
- Provided that you fulfill the terms of your IVA, the remainder of your debts will be written off at the end of the term
- Your creditors cannot pursue you for the debts once the IVA is agreed
- Your creditors cannot apply interest or charges to your debts
- If you are a homeowner, you will usually be able to remain in your home

DISADVANTAGES

- It is a formal agreement; if you fail to keep to your side of the agreement the arrangement may fail and you may find yourself owing as much as you did at the start
- The arrangement must be recorded on the Insolvency Register
- If you have a property, the creditors will expect you to try to remortgage towards the end of the agreement to release funds to be paid in to the IVA. If you are unable to do so the arrangement may be extended for a further 12 months.
- Some debts such as mortgages, secured loans, taxes and fines cannot be included in an IVA so you will remain responsible for paying these
- You cannot take out further borrowing during the course of the arrangement
- If your situation changes for the better you will be expected to pay more to your creditors

SERVICES FOR SCOTTISH RESIDENTS

If you live in Scotland, the debt solutions available to you are different.

DEBT ARRANGEMENT SCHEME

As part of a Debt Arrangement Scheme (DAS), a Debt Payment Programme (DPP) allows you to repay your debts by making one monthly payment of the amount which you have left over each month after paying your essential bills and expenses. You will pay this amount until the debts are cleared, provided that this will happen within a reasonable period.

Your creditors cannot contact you about payments or arrears if you are the subject of a DPP, and they will have to freeze interest and charges on your debts.

Your details will appear on the DAS register and your credit rating will uauslly be affected for 6 years.

You cannot apply directly for a DPP, this can only be done by an approved money adviser. We can refer you to an approved money advisor or you can find a money adviser local to you using this link.

If you would like us to pass your details to an approved money adviser, please call us or fill in the contact form and we will call you back to obtain the relevant information.

This solution is only available to you if you live in Scotland.

PROTECTED TRUST DEED

A trust deed is a form of insolvency. You can only apply for a trust deed if your unsecured debts are more than the value of any assets that you have. A trust deed usually lasts for 3-5 years, during which time your assets will be transferred to a trustee and you may need to make regular payments out of your earnings.

Provided that your creditors agree to the arrangement and you meet your obligations, your trust deed will become protected.

Your creditors cannot contact you about payment or arrears if you are the subject of a protected trust deed, and they will have to freeze interest and charges on your debts.

There will be restrictions on your spending during a trust deed and you may have to sell some of your assets. A trust deed may also affect your employment.

Your details will appear on the public Register of Insolvencies for 5 years and will appear on your credit file for 6 years from the date of the arrangement.

You will need an Insolvency Practitioner (IP) to set up a trust deed. We can refer you to a trusted provider or you can obtain further information using this link.

If you would like us to pass your details to an approved money adviser, please call us or fill in the contact form and we will call you back to obtain the relevant information.

This solution is only available to you if you live in Scotland.

SEQUESTRATION

Sequestration is the Scottish legal term for bankruptcy.

Sequestration would require you to transfer all of your assets and property to a trustee who will sell these assets to pay your creditors.

You can only apply for sequestration if you owe more than £1500 and have not been made bankrupt in the last 5 years. You must be unable to meet repayments to your debts as they fall due.

Sequestration usually lasts for a year, after which period any remaining debts will be written off and you will be discharged.

The fee for sequestration is £200.00.

Bankruptcy and Debt Relief Orders

If our providers are unable to offer you a solution that they feel would suit your financial solution, they may recommend Bankruptcy or a Debt Relief Order. Although it is not possible for them to administer these products for you, they may be able to assist you in finding the right information and completing your application.

BANKRUPTCY

Bankruptcy is a formal insolvency procedure. You can apply to go bankrupt if you can demonstrate that either your debts exceed your assets or you are unable to pay your debts when they are due. There is no restriction on the level of debt you must have to apply.

They cannot assist you in petitioning for bankruptcy but you can apply online through the central government website, GOV.UK. You'll receive your decision online, usually within 28 days and, if your bankruptcy is approved, you'll be contacted by the Official Receiver (or trustee in bankruptcy) who will oversee your bankruptcy and will want to know about your financial history.

If you have surplus income after meeting your essential household and personal expenses, you will have to make payments out of your income for up to 3 years.

In addition you will have to hand over any assets you have to the trustee in bankruptcy to be sold to repay your creditors. This does not include everyday items you need for your reasonable domestic needs but is likely to include your house if it can be sold for more than the mortgage outstanding.

Bankruptcy usually lasts for 1 year, and once you have been freed (discharged) from your bankruptcy, you are released from your debts (with certain exceptions).

ADVANTAGES

- Debts are written off at the end of one year.
- Creditors can’t take further action unless the debts are secured on your home or other property.
- It allows you to make a fresh start after only a year.
- You may be able to avoid having to sell your home if your spouse, partner or a relative can buy your share of its value after any debts secured on it have been paid.
- You can apply online and pay in instalments

DISADVANTAGES

- Your bankruptcy is entered on a public register
- If you apply for your own bankruptcy, you will have to pay an adjudicators fee and deposit totaling £680
- You will remain liable to pay certain debts – in particular:
--- student loans;
--- fines;
--- debts arising from family proceedings; and
--- budgeting loans and crisis loans owed to the Social Fund
- If your situation changes for the better you will be expected to pay more to your creditors
- Any business you have will almost certainly be closed down
- Your employment may be affected
- Certain agreements such as hire purchase agreements and mobile phone contracts may come to an end
- You can’t act as a director of a company or be involved in its management unless the court agrees
- You will be committing an offence if you get credit of £500 or more without disclosing that you are bankrupt
- You may have a bankruptcy restrictions order made against you for 2 to 15 years if you acted irresponsibly, recklessly or dishonestly

DEBT RELIEF ORDER (DRO)

A debt relief order is only available to individuals who have very little disposable income available to pay to their creditors, have few or no assets, and a limited level of debt.

You may be eligible for a Debt Relief Order if you owe less than £20,000 in total to your creditors, you have £50 or less left over each month after your essential bills and outgoings have been paid, your car (if you have one) is worth less than £1000 and your other assets don’t exceed a value of £1000.

A DRO will last for 1 year, and once your DRO has ended you are released from your debts (with certain exceptions). You need to approach an approved intermediary for the application to be put forward, and you will need to pay a fee of £90.

ADVANTAGES

- Your debts will be written off at the end of the DRO.
- None of the creditors listed in the DRO application can take further action against you without the court’s permission.
- After 1 year your debts will be written off
- The fee (£90) is affordable and can be paid in instalments but the fee must be paid before the application can be made.
- You will keep your assets and a vehicle as detailed above.
- The approved intermediary ensures that you are given appropriate advice and that you fit the criteria for a DRO.

DISADVANTAGES

- Your DRO is entered on a public register.
- Your DRO will remain on your credit file for 6 years.
- You can’t have a DRO if you have an existing bankruptcy order, an IVA, are subject to bankruptcy restrictions, or you have had a DRO in the last 6 years.
- You will remain liable to pay certain debts – in particular:
--- student loans;
--- fines;
--- debts arising from family proceedings; and
--- budgeting loans and crisis loans owed to the Social Fund
- Your employment may be affected.
- Your DRO could be revoked (withdrawn) if you don’t co-operate with the official receiver during the year that your DRO is in force.
- You can’t act as a director of a company or be involved in its management unless the court agrees.
- You will be committing an offence if you get credit of £500 or more without disclosing that you are subject to a DRO.
- You may have a debt relief restrictions order* made against you for 2 to 15 years if you acted irresponsibly, recklessly or dishonestly.
- You can’t have a DRO if you own your own home. Even if you have negative equity.

* An order that will place restrictions similar to those in force while subject to a DRO, which the official receiver may apply for.

Solution Pro's & Con's

Debt Management Pros and Cons

What are the Advantages of a Debt Management Plan?

A debt management plan will give you the satisfaction that you are paying ALL your debts. You will no longer need to juggle your payments and worry about those unexpected bills that life tends to throw at you

Other Advantages:
- You will have one payment each month.
- You will no longer need to communicate directly with your existing creditors
- Your chosen debt management company will request that interest and charges are frozen. This will stop your debts growing, enabling you to pay back the money you have borrowed.

What are the Disadvantages of a Debt Management Plan?

There are some disadvantages with a Debt Management Plan.
- If your creditors refuse to freeze or lower your interest, paying a reduced amount over a longer period could increase the amount you repay.
- You will pay a fee for the services provised. There are companies which can do the same job for free. You can get more information at www.moneyadviceservice.org.uk - You are still required to repay in full any items of credit that are not included in your debt management plan.
- A Debt Management Plan will affect your credit rating in the medium to long term. As you are repaying your debts at a reduced rate, your lenders are legally obliged to send you a Default Notice to say your account is in arrears. A Default Notice will remain on your credit file for 6 years.

IVA Pros and Cons

INDIVIDUAL VOLUNTARY ARRANGEMENTS

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and your unsecured creditors, arranged and supervised by a Licensed Insolvency Practitioner (IP). In short you agree to pay back the maximum you can afford over a specified period of time, usually 5 years, at the end of which period your creditors agree to write of any remaining balances.

The IP will work with you to calculate the maximum monthly payment you are able to make and also assess whether you have anything else you are able to offer to your creditors to enhance the agreement e.g. from the sale of an asset or savings.

An IP will advise you on the terms of the agreement to maximise the chances of acceptance by your creditors and will assist you in preparing the legal document.

We do not charge you for advice about an IVA or for help with the preparation of the documents. If you are in a debt management plan already it will continue as normal until your IVA has been approved.

Our partners do charge fees for the work both for getting the agreement approved by your creditors and for monitoring it, but these fees are agreed by your creditors and are taken out of the payments made by you once the arrangement has been approved, so you do not pay anything extra to cover the fees. However, the creditors allow the IP to take their fees before they make payments to them which means that if you did find yourself with sufficient funds to pay your creditors in full, because they take a fee first, you would need to pay these fees in addition to the payments to your creditors.

IS AN IVA THE RIGHT SOLUTION FOR YOU?

An IVA is a form of insolvency and is a legally binding agreement therefore it is important that you consider whether:

- You feel able to commit to a regular payment for the next 5 years
- You may be able to resolve your financial problems without the need for a formal arrangement e.g. if you are expecting a pay rise or could sell an asset to pay your debts
- You are willing to be open and honest with your creditors about everything that you owe and all of the assets that you have
- You are willing to provide the Insolvency Practitioner with copies of your wage slips or other proof of income each year. A review of income and expenditure is usually a required term of the agreement.
- You are in financial difficulty and cannot make the required payments to your creditors

ADVANTAGES

- You will pay an amount that you can afford over a limited period; usually 5 or 6 years
- Provided that you fulfill the terms of your IVA, the remainder of your debts will be written off at the end of the term
- Your creditors cannot pursue you for the debts once the IVA is agreed
- Your creditors cannot apply interest or charges to your debts
- If you are a homeowner, you will usually be able to remain in your home

DISADVANTAGES

- It is a formal agreement; if you fail to keep to your side of the agreement the arrangement may fail and you may find yourself owing as much as you did at the start
- The arrangement must be recorded on the Insolvency Register
- If you have a property, the creditors will expect you to try to remortgage towards the end of the agreement to release funds to be paid in to the IVA. If you are unable to do so the arrangement may be extended for a further 12 months.
- Some debts such as mortgages, secured loans, taxes and fines cannot be included in an IVA so you will remain responsible for paying these
- You cannot take out further borrowing during the course of the arrangement
- If your situation changes for the better you will be expected to pay more to your creditors

SERVICES FOR SCOTTISH RESIDENTS

If you live in Scotland, the debt solutions available to you are different.

DEBT ARRANGEMENT SCHEME

As part of a Debt Arrangement Scheme (DAS), a Debt Payment Programme (DPP) allows you to repay your debts by making one monthly payment of the amount which you have left over each month after paying your essential bills and expenses. You will pay this amount until the debts are cleared, provided that this will happen within a reasonable period.

Your creditors cannot contact you about payments or arrears if you are the subject of a DPP, and they will have to freeze interest and charges on your debts.

Your details will appear on the DAS register and your credit rating will uauslly be affected for 6 years.

You cannot apply directly for a DPP, this can only be done by an approved money adviser. We can refer you to an approved money advisor or you can find a money adviser local to you using this link.

If you would like us to pass your details to an approved money adviser, please call us or fill in the contact form and we will call you back to obtain the relevant information.

This solution is only available to you if you live in Scotland.

PROTECTED TRUST DEED

A trust deed is a form of insolvency. You can only apply for a trust deed if your unsecured debts are more than the value of any assets that you have. A trust deed usually lasts for 3-5 years, during which time your assets will be transferred to a trustee and you may need to make regular payments out of your earnings.

Provided that your creditors agree to the arrangement and you meet your obligations, your trust deed will become protected.

Your creditors cannot contact you about payment or arrears if you are the subject of a protected trust deed, and they will have to freeze interest and charges on your debts.

There will be restrictions on your spending during a trust deed and you may have to sell some of your assets. A trust deed may also affect your employment.

Your details will appear on the public Register of Insolvencies for 5 years and will appear on your credit file for 6 years from the date of the arrangement.

You will need an Insolvency Practitioner (IP) to set up a trust deed. We can refer you to a trusted provider or you can obtain further information using this link.

If you would like us to pass your details to an approved money adviser, please call us or fill in the contact form and we will call you back to obtain the relevant information.

This solution is only available to you if you live in Scotland.

SEQUESTRATION

Sequestration is the Scottish legal term for bankruptcy.

Sequestration would require you to transfer all of your assets and property to a trustee who will sell these assets to pay your creditors.

You can only apply for sequestration if you owe more than £1500 and have not been made bankrupt in the last 5 years. You must be unable to meet repayments to your debts as they fall due.

Sequestration usually lasts for a year, after which period any remaining debts will be written off and you will be discharged.

The fee for sequestration is £200.00.

Bankruptcy and Debt Relief Orders

If our providers are unable to offer you a solution that they feel would suit your financial solution, they may recommend Bankruptcy or a Debt Relief Order. Although it is not possible for them to administer these products for you, they may be able to assist you in finding the right information and completing your application.

BANKRUPTCY

Bankruptcy is a formal insolvency procedure. You can apply to go bankrupt if you can demonstrate that either your debts exceed your assets or you are unable to pay your debts when they are due. There is no restriction on the level of debt you must have to apply.

They cannot assist you in petitioning for bankruptcy but you can apply online through the central government website, GOV.UK. You'll receive your decision online, usually within 28 days and, if your bankruptcy is approved, you'll be contacted by the Official Receiver (or trustee in bankruptcy) who will oversee your bankruptcy and will want to know about your financial history.

If you have surplus income after meeting your essential household and personal expenses, you will have to make payments out of your income for up to 3 years.

In addition you will have to hand over any assets you have to the trustee in bankruptcy to be sold to repay your creditors. This does not include everyday items you need for your reasonable domestic needs but is likely to include your house if it can be sold for more than the mortgage outstanding.

Bankruptcy usually lasts for 1 year, and once you have been freed (discharged) from your bankruptcy, you are released from your debts (with certain exceptions).

ADVANTAGES

- Debts are written off at the end of one year.
- Creditors can’t take further action unless the debts are secured on your home or other property.
- It allows you to make a fresh start after only a year.
- You may be able to avoid having to sell your home if your spouse, partner or a relative can buy your share of its value after any debts secured on it have been paid.
- You can apply online and pay in instalments

DISADVANTAGES

- Your bankruptcy is entered on a public register
- If you apply for your own bankruptcy, you will have to pay an adjudicators fee and deposit totaling £680
- You will remain liable to pay certain debts – in particular:
--- student loans;
--- fines;
--- debts arising from family proceedings; and
--- budgeting loans and crisis loans owed to the Social Fund
- If your situation changes for the better you will be expected to pay more to your creditors
- Any business you have will almost certainly be closed down
- Your employment may be affected
- Certain agreements such as hire purchase agreements and mobile phone contracts may come to an end
- You can’t act as a director of a company or be involved in its management unless the court agrees
- You will be committing an offence if you get credit of £500 or more without disclosing that you are bankrupt
- You may have a bankruptcy restrictions order made against you for 2 to 15 years if you acted irresponsibly, recklessly or dishonestly

DEBT RELIEF ORDER (DRO)

A debt relief order is only available to individuals who have very little disposable income available to pay to their creditors, have few or no assets, and a limited level of debt.

You may be eligible for a Debt Relief Order if you owe less than £20,000 in total to your creditors, you have £50 or less left over each month after your essential bills and outgoings have been paid, your car (if you have one) is worth less than £1000 and your other assets don’t exceed a value of £1000.

A DRO will last for 1 year, and once your DRO has ended you are released from your debts (with certain exceptions). You need to approach an approved intermediary for the application to be put forward, and you will need to pay a fee of £90.

ADVANTAGES

- Your debts will be written off at the end of the DRO.
- None of the creditors listed in the DRO application can take further action against you without the court’s permission.
- After 1 year your debts will be written off
- The fee (£90) is affordable and can be paid in instalments but the fee must be paid before the application can be made.
- You will keep your assets and a vehicle as detailed above.
- The approved intermediary ensures that you are given appropriate advice and that you fit the criteria for a DRO.

DISADVANTAGES

- Your DRO is entered on a public register.
- Your DRO will remain on your credit file for 6 years.
- You can’t have a DRO if you have an existing bankruptcy order, an IVA, are subject to bankruptcy restrictions, or you have had a DRO in the last 6 years.
- You will remain liable to pay certain debts – in particular:
--- student loans;
--- fines;
--- debts arising from family proceedings; and
--- budgeting loans and crisis loans owed to the Social Fund
- Your employment may be affected.
- Your DRO could be revoked (withdrawn) if you don’t co-operate with the official receiver during the year that your DRO is in force.
- You can’t act as a director of a company or be involved in its management unless the court agrees.
- You will be committing an offence if you get credit of £500 or more without disclosing that you are subject to a DRO.
- You may have a debt relief restrictions order* made against you for 2 to 15 years if you acted irresponsibly, recklessly or dishonestly.
- You can’t have a DRO if you own your own home. Even if you have negative equity.

* An order that will place restrictions similar to those in force while subject to a DRO, which the official receiver may apply for.

Terms & Conditions

iDebtPlan reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal.

Prices, and details, of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.

The copyright in the material contained in this website belongs to iDebtPlan or its licensed source. Any person may copy any part of this material, subject to the following conditions:

While iDebtPlan has taken care in the preparation of the contents of this website, this website and the information, names, images, pictures, logos, icons regarding or relating to iDebtPlan or the products and services of the same (or to third party products and services), are provided on an 'as is' basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will iDebtPlan be liable (whether in contract or tort (including negligence or breach of statutory duty) or otherwise) for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.

iDebtPlan does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.

iDebtPlan does not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are virus or bug free or represent the full functionality, accuracy, reliability of the materials.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude iDebtPlan's liability for death or personal injury resulting from iDebtPlan's negligence.

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Unless otherwise specified, the products and services described in this website are available only to UK residents (excluding the Channel Islands and Isle of Man). The information on this Web Site is not directed at anyone other than UK residents and applications from others will, unless otherwise stated, not be accepted. iDebtPlan makes no representation that any product or service referred to on the website are appropriate for use, or available in other locations. The information and other materials contained in this website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK.

These Terms and Conditions and any terms and conditions relating to products or services described in this website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

Telephone calls using the telephone numbers provided on this website and email correspondence with iDebtPlan at the email addresses accessible through, or discernible from, this website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, product(s) and service(s) shall include, without limitation, any insurance or financial service.

The images, logos and names on this website which identify iDebtPlan or third parties and their products and services are proprietary marks of iDebtPlan or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any licence or right on the part of iDebtPlan or any third party with respect to any such image, logo or name.

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service which you apply for online, together with any related application form completed and submitted. Any amendment to terms and conditions must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.

Privacy

Introduction

iDebtPlan takes the security and privacy of the personal information that you provide very seriously and is committed to protecting and respecting your privacy. iDebtPlan takes every reasonable precaution to ensure that your information is used only in ways as outlined in this privacy policy ("Privacy Policy") and the iDebtPlan Terms and Conditions ("Terms and Conditions") found here.

iDebtPlan is a trading style of Impressia Limited who is registered under the Data Protection Act 1998 (the, "DPA") and the Information Commissioner's Office (the, "ICO") under registration number ZA129339 and operates in accordance with these laws, as well as The Privacy and Electronic Communications (EC Directive) Regulations 2003 (the, "Directive").

This Privacy Policy will explain how iDebtPlan will use your information for marketing and other purposes and will explain who iDebtPlan may disclose your information to. This information can be found in the Third Party Partner Section of this Privacy Policy, which you can access by clicking here. By submitting your details to iDebtPlan via this website, idebtplan.co.uk (the "Site"), or by telephone via call centre (the "Call Centre"), you consent to iDebtPlan use of your personal information in accordance with this Privacy Policy.

This policy (together with the Terms and Conditions and any other documents referred to on it) sets out the basis on which any personal data iDebtPlan collects from you, or that you provide to iDebtPlan, will be processed by. Please read the following carefully to understand iDebtPlan views and practices regarding iDebtPlan ng your personal data and how we will treat it.

Telephone Preference Service (TPS)

If you are registered with the telephone preference service (TPS) you understand that by agreeing to the terms of this privacy policy you are giving express consent for iDebtPlan and their third party companies to contact you via telephone and SMS for the purpose of progressing your application(s). Further information is available on the ICO website found here:

Information We May Collect From You

iDebtPlan may collect and process the following personally identifiable information about you from your use of the Site:

IP addresses

iDebtPlan may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers or third party marketing partners. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

Cookies

Cookies are small data files, applied by the majority of websites, which transfer text-only information to the browser of your computer. The Site requires the use of cookies in order for it to work effectively. Some cookies are essential in order to enable you to move around the Site and use its features, such as enabling you to sign in to the Site. These cookies don't gather information about you that could be used for marketing or remembering where you have been on the internet. This category of cookies cannot be disabled. iDebtPlan also use cookies to improve your experience of the Site as well as to provide information to iDebtPlan.

By using the Site you accept the use of cookies. You may control the cookies used by the Site by modifying the settings in your browser to change your cookie preferences. If cookies are disabled, this may mean that the Site will not work effectively. For more detailed information about cookies and how they can be managed and deleted please visit www.allaboutcookies.org.

Where We Store Your Personal Data

All information you provide to iDebtPlan is stored on our secure servers. Where iDebtPlan has given you (or where you have chosen) a password which enables you to access certain parts of the Site, you are responsible for keeping this password confidential. iDebtPlan asks you not to share a password with anyone. You are responsible for all usage of the Site through your password, including use by a third party authorised by you. iDebtPlan may assume any person accessing the Site through your password is authorised to do so.

Unfortunately, the transmission of information via the internet is not completely secure. Although iDebtPlan will do our best to protect your personal data, iDebtPlan cannot guarantee the security of your data transmitted to the Site and any transmission is at your own risk. Once iDebtPlan has received your information, iDebtPlan will use strict procedures and security features to try to prevent unauthorised access. Such procedures shall be in compliance with our internal security policy and all applicable laws, including the DPA, ICO and Directive.

Uses Made of Your Information

iDebtPlan may use information held about you in the following ways:

Disclosure of Your Information

iDebtPlan may disclose your personal information to any member of iDebtPlan group, which means iDebtPlan affiliates, subsidiaries, or iDebtPlan ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

iDebtPlan may also disclose your personal information to third parties (all of who fall within the sectors listed in the Third Party Partner section of this Privacy Policy, which can be found here):

iDebtPlan may also provide your information if it includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

If at any time you prefer not to receive any marketing messages, you can unsubscribe at any time. Please see below on how to unsubscribe under the Your Rights section of this Privacy Policy.

Third Party Partners

It is irrevocably understood that by agreeing to the terms of this privacy policy explicit consent is given for third party marketing material relevant to the User. This includes, but is not limited to, social and financial products, promotions and services using email, telephone, SMS and post mediums on an annual or bi-annual basis.

Here is iDebtPlan list of sectors whereby iDebtPlan valued, third party data partners who fall within such sectors may send you marketing messages via email, telephone, SMS or post:

Your Rights

You can withdraw your consent to the use of your details for marketing purposes at any time. You can either:

Links

The Site may, from time to time, contain links to and from the websites of iDebtPlan partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that iDebtPlan does not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet iDebtPlan costs in providing you with details of the information iDebtPlan holds about you.

Changes to iDebtPlan Privacy Policy

Please note that this Privacy Policy forms part of iDebtPlan Terms and Conditions for use of the Site and forms part of the agreement between you and iDebtPlan iDebtPlan may, from time to time, amend this Privacy Policy, in whole or in part, in iDebtPlan sole discretion. Any changes to this Privacy Policy will be effective immediately upon the posting of the revised privacy policy on the Site. Depending on the nature of the change, iDebtPlan may announce the change: (a) on the home page of the Site; or (b) by email, if iDebtPlan has your email address. In any event, by continuing to use the Site following any changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as it may be amended from time to time, in whole or part, you must not use the Site.

Useful Information

For useful information about data protection you can visit:

iDebtPlan Complaints Procedure

How to complain...

iDebtplan always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways: By Post:

Complaints Department
iDebtplan
Adelphi Mill
Grimshaw Lane
Bollington
Cheshire
SK10 5JB

By Phone: 01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)

By Email: complaints@impressia.co.uk

We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -

Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk


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