Terms & Conditions

About Us

An Overview

ReduceDebts.co.uk ("the website") is an online financial introduction service owned by UKCC Limited (registered in England and Wales with company number 06750806)

The website also offers a generic information service whereby ReduceDebts.co.uk collect and source data from third parties and provide this information to you either as received by us or as a reasonable likeness of the original data which is easier to read or presented as statistical data.

These terms and conditions ("Terms") apply to all and any use of the Website.

Requirements from you

By using the website you undertake that you are over 18 years of age.

By using the website you agree to be bound by these terms.

If you do not accept these Terms you should not use the website.

ReduceDebts.co.uk may make alterations to these terms and conditions from time to time and these variations shall become effective immediately upon being accessible from here.

By using the Website you undertake that you have the necessary hardware, software and capability required for email and web usage with all and necessary adequate protections in place.

Your Personal Information

Privacy

Any information You provide us with or which we retrieve about you will be handled as per our privacy policy.

By using this website you agree to the ReduceDebts.co.uk Privacy Policy.

Third parties

By submitting your details on the Website, your details will automatically be transferred to a third party company. In submitting your details you agree that you are giving an active invitation as required by the Privacy and Electronic Communications (EC Directive) Regulations 2003 to receive a call from a third party company.

The third party company will either be named on our web site whether individually or as part of a panel or you will be informed of the name of the third party company to whom your details have been transferred before you receive the call, and the subject of the call will always be related to the products/subjects displayed on the website.

Submitting details

By submitting your details, you give ReduceDebts.co.uk (or a company on behalf of ReduceDebts.co.uk) authority to contact you using your contact details with regards to other products and services provided by or through ReduceDebts.co.uk unless we are otherwise informed.

If you provide personal or sensitive data about any other person then you agree that you will obtain all necessary authorisations from them to provide such data.

You agree that ReduceDebts.co.uk may use another third party to transmit your details to an arranger. We may use tracking images in HTML-based emails in order to identify if an email has been opened. This allows us to evaluate how effective our communications are.

Financial Information

Use of information

ReduceDebts.co.uk is a company engaged in the provision of introduction to financial services in relation to loans, and debt solutions. Reduce debts aim is to provide generic information which may be of assistance to those seeking financial services. Reduce debts will then use information provided by you to introduce you to an arranger who deals in the service you have shown interest in. reduce debts carries out this service using information provided to it by others. Reduce debts will not charge you for this service and any match between your needs and the services offered by an arranger is done in good faith.

Financial Advice

No financial information featured on the website or accessed by you as a result of a link displayed on the website is intended or considered to be financial advice offered by ReduceDebts.co.uk.

Third parties

ReduceDebts.co.uk cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party present on the website. Those terms are entirely separate to these ReduceDebts.co.uk terms and conditions. Before you enter into any agreement with a third party we recommend that you read their terms and conditions very carefully and seek independent advice where necessary.

ReduceDebts.co.uk may receive commission or fees as a result of your use of the services of third party providers featured on the website. We do not charge you for the services that we offer. Once the introduction has been made ReduceDebts.co.uk has fulfilled its obligations and is no longer involved after that point and has no continued responsibility to you after that point.

To the extent permitted by law ReduceDebts.co.uk exclude liability for any inaccuracies present on the website.

Use of The Website

The website is to be used solely for private, non-commercial, personal purposes only. Accordingly, you undertake not to:

• Use the website for any commercial or business purpose;
• Use your access to the Website, or information gathered from it, for the sending of unsolicited bulk email.

Termination

ReduceDebts.co.uk shall be entitled to terminate this agreement and immediately remove, cancel or suspend access to and use of the website upon your breach of any part of these terms whatsoever.

Termination shall be without prejudice to the accrued rights of either party.

ReduceDebts.co.uk will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.

FAQs

If you have a question that isn't answered below then feel free to give us a call on 0800 2300 025. Alternatively you can contact us by email or post.

• How does a Debt Management Plan work?
  We analyse your personal financial situation ie. Outgoings, incomings etc and then come up with a repayment plan that suits what you can afford.
• How long does it last?
  This can vary depending on the size of the debt. Obviously the more you owe, the longer it will last.
• How do I apply?
  You simply fill out our quick and simple form and we will assess what the best form of Debt Management is right for you.
• Can Debt Management help with secured debts?
  Debt Management Plans cannot help with secured debts as they only cover non priority debts. Debt Management can however, manage your unsecured debt around your secured debt to make payments a lot easier.
• Are there any disadvantages?
  As with any Debt Management program or action the disadvantage is that it will appear on your credit report for up to 6 years therefore affecting your credit rating. Also because there is no legal binding with a Debt Management Plan you can still be pursued by creditors with court actions.
• What will I get with my Debt Management Plan?
  We will help you deal with any court processes should creditors pursue you. You only pay what you can afford and we will contact your creditors and offer to deal with any future correspondence giving you peace of mind to deal with other things.
• How does the process work?
  You contact us and inform of us of your debt situation. Our team of fully qualified debt advisors will look at and assess you debt and personal situation before making a decision on what Debt Management program will work for you. We then agree on a manageable payment based on your income and outgoings to set up a monthly payment plan that you can afford.
• What help do you provide?
  We will offer you non stop support throughout the repayment of the debt and will also handle any correspondence with creditors so all you need to focus on is paying your monthly fee. You can also contact us at any time.
• How can you help to deal with my creditors?
  We will write to them and offer to deal with all correspondence with them for you and if they do decide to continue with action through the courts then we will advise and help you throughout.
• How long will it take to pay off my debts?
  Depending on the size of the debt this can be a short or long process.
• Will I have someone to help me all the way?
  Yes we will support you and offer you advice throughout the entire Debt Management process.
• What if I change my mind?
  As a Debt Management Plan is an informal arrangement between you and the creditor, if you feel that you want to change your mind then you may do so. Although we would appreciate plenty of notice so we can inform them.