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Glossary

Welcome to BestDebtHelp.co.uk BestDebtHelp.co.uk is UK’s leading online debt help service. Here at BestDebtHelp.co.uk we have access to considerable expertise to help people with their debt difficulties. If your debt is getting you down and you don’t know where to turn, get in touch with us.

Debt Glossary

What is debt?

Debt refers to an amount of money borrowed by one party from another. Debt is usually granted with an expected repayment which includes the repayment of original sum with interest. Corporations as well as individuals often use debt as a method for making big purchases which they cannot afford under normal circumstances.

Types of Debt

  • Credit Card Debt - Credit card debt is an unsecured debt which is accessed through the use of a card issued by a financial company giving the holder an option to borrow funds. Credit cards charge interest.
  • Store Card Debt - Store Cards function the same way as credit cards but there are certain exceptions like a store card can normally only be used in one chain of a big high street store.
  • Charge Card Debt - Debt that has occurred on charge cards. Charge cards are credit cards without a credit limit. The user needs to repay charge cards in full on a monthly basis. This card charges no interest.
  • Prepaid Card Debt - Prepaid cards enables the user to add money or top them up with a set amount of money and the card won’t let the user spend more than that amount.
  • Bank Account Debt - Banks offer different types of account facilities. Some banks may charge the customer a monthly fee if he or she has an account with them or require them to pay in a certain amount of money on a monthly basis.
  • Overdraft Debt - Overdraft is a kind of credit which is related to a bank account. An overdraft allows the consumer to spend more money than what is available in his account up to an agreed limit.
  • Personal Loan Debt - Debt that has occurred when a consumer borrows a fixed amount of money and has fixed monthly payments.
  • Payday Loan Debt - Payday loan is a short term borrowing where the consumer borrows a small amount of money at a high interest rate. The lender adds extra charges to his account if he is unable to pay the loan back on the date its due.
  • Secured Loan Debt - A secured loan is an agreement where the borrower pledges a specific asset or property as a collateral which can be seized by the lender to get the money back by applying to the court if the borrower defaults on repayments.
  • Logbook Loan debt - Logbook loans are debt secured on your car. The lender can repossess your vehicle provided you miss the repayments.
  • Car Loan Debt - In case of a car loan debt, the consumer borrows a certain amount of money to purchase a car.
  • Doorstep Loan debt - A debt where the borrower can avail funds right at his doorstep quickly. During an emergency you can benefit by availing funds without waiting for too long and the lender will collect the payment from you at your home.
  • Loan Shark Debt - Loan sharks are lenders who resort to illegal and unlicensed money lending and who usually have no paperwork. They may use intimidation or threats of violence to get you to repay the debt.
  • Council Tax Debt - Individuals who rent or own their home pay council tax. Council tax bill should be treated as a priority debt and it is important to make the payments on time as there can be serious consequences in case of default in payments.
  • Utility Bills Debt - Utility bills are priority debts which should be budgeted to be paid in full as these include bills of gas, electricity, water, telephone otherwise the suppliers might disconnect the services if you fall into arrears.
  • Phone, TV & Gym Debts - You sign a credit agreement for using phone, TV and gym services with your supplier whereby they might cancel the services if you miss payments.
  • County Court Judgement - A CCJ is a judgment a county court issues when someone has failed to pay the money they owe. It is a simple way for the creditors to claim the money they are entitled to. The court will decide whether there is really a debt to pay.
  • Magistrates Court Debt - Magistrate court fines include fines for offences like speeding, driving without a license, not having a TV license. These payments should be treated as a priority debt as the magistrates have the power to send people to prison if they default on repayments.
  • Parking fines - A parking fine is a penalty fee for parking vehicle in a restricted place. If you pay by a certain time the amount you have to pay will be reduced and if you leave it longer, the amount due is often doubled.
  • Hire Purchase Debts - In case of a hire purchase agreement you don’t own the goods which may be a car or a furniture until you have made the final payment. If you miss payments the goods can be repossessed.
  • Catalogue Debt - Orders for goods and payments collection are sometimes undertaken by a local part time agent; often a friend relative or neighbor. Mail order catalogues offer a way of buying goods by post and spreading the payments over a period of time.
  • Child Maintenance Arrears - Child support agency is a government agency responsible for assessment and collection of compulsory child maintenance payments. It may attempt to take any arrears by installments from your wages using a ‘deduction from earnings order’. If they get a liability order through a magistrates court they can take further action in case of default in payments.

Debt Solutions

  • Administration Order - A Debt solution that allows you to make a single monthly payment to the county court which then distributes the money to your creditors .Once the administration order is in force, your creditors can’t take action against you or place any further demands on you.
  • Debt Management Plan - A Debt management plan is a formal agreement between the debtor and the creditor or creditors to repay outstanding and unsecured debts at a reduced level over a fixed period of time. These are normally only based on what can be afforded on a monthly basis.
  • Bankruptcy - Bankruptcy is a legal procedure in which the inability of a borrower to pay his/her debt is acknowledged and the majority of unsecured creditors can no longer pursue the money owed which is eventually written off.
  • Individual Voluntary Arrangement (IVA) - A legally binding agreement between the debtor and the creditor or creditors for a certain time period to repay what can be afforded monthly outside essential living cost. It has to be set up by an Insolvency Practitioner who is a licensed professional.
  • Insolvency - Insolvency is a financial state where an individual or organisation can no longer meet its financial obligations in a realistic amount of time with its lender or lenders as debts become due.
  • Trust Deed - A Trust deed is a formal and legally binding arrangement between a borrower and his creditors to make debt repayments carried out by a licensed Insolvency Practitioner which normally last for a period of 3 years. At the end any debts remaining are effectively written off by creditors.
  • Debt Consolidation - A debt consolidation is the process that enables you to take out one large loan to make repayments on several existing debts.
  • Debt Relief Order (DRO) - A Debt Relief Order is a form of debt solution designed to help people who have relatively low debt, not a great deal of surplus income and few valuable assets.
  • Debt Arrangement Scheme (DAS) - Under the Debt Arrangement Scheme, you can apply for a Debt Payment Programme (DPP) that allows you to pay off your debts in an affordable manner over an extended period of time. It helps people pay off their debt without the threat of court action from the creditors.
  • Full and Final Settlements Offer - A Full and Final Settlement offer is an offer of partial settlement to your creditors in the form of one -off lump payment in return for having the remainder of your debt written off. It is a suitable strategy to clear your debts if you have access to a lump sum of money.
  • Remortgaging - Remortgaging is the replacement of the existing mortgage with a new one either with the same or a different lender.
  • Equity Release - Equity release is the act of remortgaging a property on which there is currently no mortgage in order to use it as security for new borrowing.
  • LILA - Low income low assets (LILA) is designed to enable individuals with low income and low assets to clear their debt because they are unable to repay within a sensible time scale.
  • Sequestration - In case of a sequestration, control of all your assets and property including car, home and investments is passed to the Trustee (responsible for administering your sequestration) who may sell them to pay your creditors. It is the Scottish equivalent to bankruptcy.

Debt Glossary

A

  • Arrears - Arrears occurs when you fail to meet your debt repayments. If you miss payments towards a debt, you will be in ‘arrears’, meaning you’ll owe your them money that you should have paid by now. If you are in arrears, you need to find a way of repaying them that your lender can accept and that you can afford
  • Assignment - When a debt is sold to another organization by a creditor. Assignment is not the same as the creditor handing a debt over to a collection firm who will act on its behalf.
  • Assets - An asset is normally an owned item which has a monetary value. It can be shares, property, antiques, stock, savings or a car.
  • Accountant in Bankruptcy (AIB) - Accountant in Bankruptcy is Scotland’s Insolvency Service who is responsible for supervising and regulating the bankruptcy process.
  • Annual Percentage Rate - Annual Percentage Rate (APR) is a figure that shows how much you’d pay to borrow for one year. Higher the APR, quicker a debt will grow, but that‘s not the only thing to consider. The repayment term is also crucial - a longer repayment term will simply give the debt more time to grow.
  • Apparent Insolvency - In the event that at least one of your lenders have taken action against you when you are unable to repay your debts.
  • Agreement - Agreement between the consumer and the debt management provider made principally on the debt management company’s terms of business.
  • Attachment of Benefits - It is a method the courts can use to repay a debt. Deductions could possibly be taken from your benefits in the event you default on repayments after a County Court Judgement (CCJs) has been issued by the court. The attachment of benefits will cease once the debt has been paid.
  • Attachment of Earnings - Courts can use the attachment of earnings method in order to repay a debt. In the event you fail to pay money as ordered in a CCJ the creditor can apply to the court to have the money deducted from your wages.

B

  • Bankruptcy Order - It is a procedure or system through which debts that cannot be paid are processed.
  • Bankruptcy Petition -A Petition issued either by the debtor or by their creditor to the court in order for the Bankruptcy order to be granted.
  • Bailiff - Bailiffs are officials employed mainly by the Court who are responsible for removing items from residence of debtors to sell at auction to cover debts that a debtor owes to a lender who has previously issued a County Court Judgement (CCJ) to which the debtor has failed to pay.
  • Balloon Payment - Balloon payment is a one off lump sum payment following monthly payments made under a hire purchase or conditional sale agreement.
  • Broker - Broker could be a person or an organization who is working on your behalf to find you the best deal when you are opting to buy things like mortgages, insurance, stock or property.
  • Budgeting - Budgeting is when you make a list of everything you spend and managing your money so you stick to this list.

C

  • Certificate of Satisfaction – It is a certificate issued by the court to prove that a CCJ or Attachment of Earnings have been paid
  • Charge for payment – Charge for payment is a document served in Scotland where a debtor has been ordered to pay an outstanding debt within a given time period.
  • Company Voluntary Arrangement (CVA) – It is a procedure that allows a company to come to an arrangement with its creditors over debt repayments and to settle debts by paying only a proportion of the amount that it owes to its creditors.
  • Contractual Payments - Payments that you agree to pay monthly after signing the credit agreement. Failing to make the contractual payments can lead to arrears and this can affect your credit rating.
  • County Court Judgement (CCJ) - A judgement issued by the court in order for you to make payments to a debt you owe when you have failed to keep to an original agreement with the lender and not made any attempts to come to an agreement of repayment.
  • Court Claim Form – It is a formal document sent to you to inform that a creditor has begun legal proceedings against you. You are given a certain time period to respond. Ignoring the claim will result in a judgement being registered by default and an order to pay the entire amount immediately.
  • Creditor - Refers to a person or a company whom lends you money. It can be a bank, a credit card company or a building society.
  • Credit File - It is a file held by authorised companies with financial history regarding credit applications and credit that you have borrowed.
  • Credit Record - A record which portrays how you have handled your finances. Failing to repay debts as arranged will have a negative impact on your credit rating.
  • Credit Reference Agency (CRA) - A Credit Reference Agency provides the lenders and other financial firms with information about would be borrowers finances, helping them to decide whether or not to lend them and how much they should charge if they do.

D

  • Debtor – Someone who is in debt an is required to repay their creditors.
  • Default - The status of a debt when repayments have been missed.
  • Default Notice – A notice issued by a creditor. In this case the lender is informing you that they are intending to take step to recover the money you owe them. It takes place when a financial agreement that was made between you and your creditors fails because the arrangement has not been kept.
  • Disposable Income – The amount of money left over after you have accounted for all your essential living expenses that includes mortgage, rent, food, utility bills and essential travel costs.
  • Debt Collection Agency – Creditors have the option to employ or sell the debt to a debt collection agency that will chase the outstanding debt. They are not Bailiffs and have very little power.
  • Debt Management Company – A Company properly licensed under the Consumer Credit Act 1974 that acts as a client’s debt manager. A DMC will provide advice on how to restructure debts, alter debt repayments and/or achieve early resettlement of debts. This will normally involve negotiating with Creditors and providing the client with a facility to make a single monthly which is distributed to their creditors. This requires regular reviews of the client’s financial circumstances and/or on -going monthly payments.
  • Debt Payment Programme (DPP) - Under the Debt Arrangement Scheme (DAS) you can set up a debt payment programme (DPP) which helps you to repay your debts at a rate that’s affordable to you. As part of the Debt Arrangement Scheme (DAS) a DPP lets you repay your debts by making one affordable monthly payment. This payment is based on the amount of money you have left over once you’ve paid all of your household bills, rather than the amount your creditors are asking you for. During a DPP your creditors shouldn’t contact you or increase your debt in any way.

E

  • Early Repayment Charge – Redemption penalties or early repayment charges are paid to the lenders sometimes in case you have cleared the debt before the end of the agreement.
  • Earnings Arrestment – It is the Scottish equivalent to an Attachment of Earnings Order. In this case, the court can order monies to be deducted from the debtor’s wages in order to repay an outstanding debt.
  • Equity – The difference between the value of the mortgage against a property and its current market value. In the event the market value is less than the sum of all loans secured on a property, it is known as negative equity.
  • Exceptional Attachment (Scotland) –The removal of non essential belongings from your house. The goods will be sold and the money put towards your debt.

F

  • Financial Conduct Authority (FCA) – An agency in the UK that regulates the financial services industry. Their aim is to protect the consumers, ensure that the industry remains stable and promote health competition between financial services providers.
  • Final Discharge - A court notice that shows your bankruptcy has ended. This document will mean that you are free from debt and the bankruptcy is over.
  • Fraud – Deliberately deceiving someone with false information about yourself in order to gain an advantage, probably financial.
  • Fixed rate - A fixed rate is an interest rate that doesn’t change for a set period of time.

G

  • Guarantor - A guarantor is someone who agrees to pay a debt if the person who owns the debt fails to do so.
  • Guarantee – An agreement made by one person to pay the creditor on behalf of another should that other person fails to make debt repayments he owes.

H

  • Hire Purchase – It is the pre-agreed purchase of goods whereby the ownership of the goods are passed on to the consumer once the full payments on the goods are made.
  • Hire Purchase Agreement - Hire purchase agreements are agreements whereby an owner of goods allows a person, the hirer, to hire goods from him for a period of time by paying installments. The hirer has an option to buy the goods at the end of the agreement if all installments are being paid. Although the hirer has the right of using the goods, he is not the legal owner during the term of the agreement.

I

  • Income Payments Order - During Bankruptcy, the Official Receiver or Trustee can apply for an Income Payments Order if they feel that the debtor can afford to make a regular contribution into the bankruptcy, which would then be distributed for the benefit of the creditors
  • Informal Arrangement - A simple term for arranging reduced payments to your creditors without the assistance of a third party.
  • Insolvency Practitioner - A Professional with the experience and qualification to handle formal insolvency cases like Sequestrations and Trust Deeds.
  • Interest - A charge for borrowing money or reward for saving money.
  • Interest rate - It is an amount of money that is added to credit such as a loan, or paid on a credit balance such as savings. It is shown in percentage, for example, 7% .

J

  • Joint and Several Liability - A joint and several liability is when two people enter into a credit agreement and both are responsible for repaying the entire amount borrowed rather than just half each.

L

  • Late Fees - Late fees are extra charges which may be added to your account in case you make a payment after the date you originally agreed.
  • Lender - A person or a company or an organization that lends you money. It can be a bank, credit company or a building society.
  • Levy - It is power to levy which lets bailiff seize and sell goods.
  • Liabilities Order - It is an order which follows the no payment of council tax 28 days after the due date. A court summons is issued and not paid within the time a liability order is issued. This order allows the authorities to make arrangement for the arrears to paid by deducting it at source, from wages or benefits.
  • Liquidation - When a business or a company is terminated or made bankrupt, all company assets are sold off to pay the creditors. Any remaining money is distributed between the share holders. It is also referred as “winding -up “

M

  • Monthly expenses - Regular essential items you pay for each month including your household bills and your debt payments.

N

  • Non Priority Debts - These debts include credit card and store card arrears, catalogue debts, bank overdrafts and unsecured personal loans. If you miss payments, the consequences aren’t that serious so you can’t lose your home or be sent to prison.

O

  • Official Receiver - Also known as a Trustee in Bankruptcy deal with the administration for the bankrupts. They will normally carry out an interview of the bankrupt. It is ultimately their decision as to whether assets should be sold for the creditors benefits.

P

  • Payment Holiday - A temporary break in your payments. The creditor agrees to let you stop making repayments on the debt for a fixed time period.
  • Priority Debts - Priority debt examples are mortgage, rent, secured loans, council tax, utility bills etc. If you miss payments, the consequences can be serious like loss of your collateral (your home) or imprisonment.
  • Pro rata payment - A payment that's in proportion to the amount owed - often offered by borrowers who can't afford their monthly payments.
  • Proxy - Creditors rarely attend creditors meeting. They assign a proxy to attend and vote on their behalf.

R

  • Redemption Penalty - Sometimes if you clear the debts before the agreement has ended, you have to pay redemption penalties or early repayment charges.
  • Right to Offset - When you have fallen into arrears with payments to a credit card or loan and you also hold a current account with the same company, they can use the “ Right to Off -Set” to take funds from your current account (without your permission!) to bring the debt repayments back up -to -date.

S

  • Secured Debt - Debts secured against an asset or property like a car, house, furniture. The lender may be able to repossess the property if the borrower doesn’t keep up with the payments. Although this would be a last resort, it wouldn’t happen as soon as one payment has been missed.
  • Sheriff Officer - An officer of the court, Sheriff Officers enforce court order for eviction and debt enforcement.
  • Surplus Income - Also referred as Available Surplus. The amount you are left with after subtracting all your essential living expenses (housing cost, food, travel, clothing insurances etc) from your incomes ( wages, pensions, benefits etc). This is the amount of ‘surplus income’ available for the creditors.
  • Statutory demand - A statutory demand is a legal document requiring the debtor to pay an outstanding debt in instalments or as a lump sum, or to secure it against a property. The debtor has 21 days to pay. After that a bankruptcy petition may be issued.

T

  • Total Cost of Credit (TCC) - The total of arrangement fees and interest added to the loan amount.
  • Trustee - Either the Official Receiver or the Insolvency Practitioner who will take control of selling of assets during a Bankruptcy or an IVA.
  • Time Orders - It permits the court to make changes to the consumer credit agreement, very useful if the creditor won’t freeze interest or agree to the payments.
  • Token Payments - When you are not capable of making repayments to your creditors, it may be necessary to make small “token payments” to each creditor. This amount can be very small each month but it is better to send this token payment than send nothing at all.

U

  • Unsecured Debt - Debt that isn’t secured against a property or any asset like a car, house or furniture. Credit cards, personal loans, store cards are some of the common examples of unsecured debt.

V

  • Variable rate - An interest rate that can increase or decrease. The amount is decided by the lender.
  • Variation Order - When a CCJ has been ordered but due to unforeseen circumstance the debtor can’t pay it, an application to vary the payments can be done by using the form N245.

W

  • Warrant of execution - In the event the debtors have failed to pay the CCJ and no variation orders have been made, bailiffs can go to the property and acquire goods to the value of the debt.
  • Windfalls - Any assets that come during an IVA or bankruptcy will go towards repaying the debt.

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Things you need to know

Money Advice Service.

The free and impartial service provided by Money Advice Service, is a set up by the Government. They provide service debt adjustment, debt counseling and information on credit. To know more, visit the government’s Money Advice Service, www.moneyadviceservice.org.uk

Insolvency Service.

The Insolvency Service is an independent agency by the government. This agency has produced a guide known as 'In Debt - Dealing with your Creditors'. Read more

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We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.

6. Exclusion of our liability in respect of third party advice, assistance, websites and products or services

You can apply for a number of products and services via this Website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.

Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.

If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.

We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by third parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such third party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any third party in connection with their website.

Your use of any third party website will be governed by the terms and conditions of use and privacy policy applicable to that website. Such terms and conditions of use and privacy policy will be different from these Terms of Use and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any third party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any third party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.

Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.

Please be aware that whilst this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website

7. Your responsibilities

You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including user content) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this website.

8. Complaints

Our aim is at all times to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by writing to us to our email to customercare@bestdebthelp.co.uk

We will aim to resolve your complaint within 48 hours. If we are not able to do so, we will provide you with an acknowledgement. After we have had an opportunity to investigate your concerns, we will issue you with a final response. Depending on the nature of your complaint and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0845 080 1800; email: enquiries@financial-ombudsman.org.uk; website http://www.financial-ombudsman.org.uk/ We will inform you if this right of referral applies to you.

If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.

9. Privacy

Pioneer Web Ltd is registered with the UK Data Protection Registrar and endeavours to follow all the guidelines and rules set out in the Data Protection Act 1998.

We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.

We may disclose your personal information or access your account if required to do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading or any other applicable regulatory, compliance, Governmental or law enforcement agency.

10. Jurisdiction for use:

This site is intended for use only by those who can access it from within the UK.

11. What we use personal data for:

We collect personal data to enable us to identify you and to deliver personalised offers and promotions based upon your demographics and product purchase profile, and for the purposes of statistical analysis.

The information is used for system administration purposes and to form personalised profiles and demographics that we may use to improve the content of our communications to you. In order to collect customer use profiles, we may use cookies to store and track information about your use of BestDebtHelp.co.uk. We will use this personalised information to keep you informed of areas in which you may have an interest. If you would prefer not to receive communications from us, please tell us by email to customercare@bestdebthelp.co.uk

12. Access to personal data

Under the Data Protection Act 1998 you have the right to make a request for a copy of the personal information we hold about you. For more Information please go to our Privacy Policy.

13. Governing law

These Terms of Use and your access to and use of this Website shall be governed by and interpreted in accordance with English law.

Each of you and us submits to the exclusive jurisdiction of the courts of England and Wales in connection with these Terms of Use and your access to and use of this Website (including any claims or disputes).

14. Termination of Agreement

Should any of the terms and conditions stated be breached, BestDebtHelp.co.uk or Pioneer Web Ltd has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

BestDebtHelp.co.uk or Pioneer Web Ltd is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war.

Privacy Policy

We take data protection and your privacy very seriously at Pioneer Web Limited. Here's how we handle your information

Last updated: 24th May 2018

This privacy notice aims to give you information on how Pioneer Web Limited collects and processes your personal data through your use of this website, including any data you may provide when you submit our online contact form.

IIt is important that you read this privacy notice so that you are fully aware of how and why we are using your data.

1. Who We Are

Data Controller:

Pioneer Web Limited trading as BestDebtHelp.co.uk is registered in England and Wales with company number 07716468 is the data controller and responsible for your personal data (collectively referred to as “Pioneer Web Limited”, “https://www.pioneer-web.co.uk”, “we”, “us” or “our” in this privacy notice).

We are a registered data controller with the Information Commissioner’s Office, registration number ZA036634.

Contact Details:

Name: Pioneer Web Limited
Email address: customercare@pioneer-web.co.uk
Postal address: 24, Brewsters Road, Nottingham, Nottinghamshire, NG3 3BP

2. The Data We Collect About You

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

3. How We Collect Your Personal Data

We use different methods to collect data from and about you including through:

4. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

Our lawful basis for processing your general personal data:

Legitimate interests: The processing necessary for the purposes of the legitimate interests of the data controller or a third party, except where such interests are overridden by the interests or fundamental rights or freedoms of the data subject

Data used for the purpose of providing the introduction to an FCA authorised broker in order to provide the service requested by the data subject

5. Sharing of Your Personal Data

We may have to share your personal data with the parties set out below for the purposes set out in our lawful basis for the processing of your general person data:

6. Your Legal Rights and Your Personal Data

Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:

If you wish to exercise any of the rights set out above, please contact customercare@bestdebthelp.co.uk for further details.

7. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

9. Data Transfers to Third Countries

The data we collect from you may, on occasion, be stored and/or processed at a destination outside the European Economic Area (EEA). It may also be processed by organisations operating outside the EEA who work for us or for one of our suppliers. These organisations may be engaged in the fulfilment of your request, order or reservation, and the provision of support services.
Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.
Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between the Europe and the US.
We will take steps reasonably necessary to ensure there is an adequate level of protection of your data and that your data is treated securely and in accordance with our Privacy Policy.

10. Cookies

We use cookies to distinguish you from other users of our Sites and Services. This helps us to provide you with a good experience when you use our Sites and Services and also allows us to improve them. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

We use the pieces of information that cookies record to help us improve services for you by, for example:

How to control and delete cookies:

We will not use cookies to collect personally identifiable information about you.
However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The 'Help' function within your browser should tell you how.
Alternatively, you may wish to visit the AboutCookies.org website which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

Please be aware that restricting cookies may impact on the functionality of our website.
If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.
For information on how to do this on the browser of your mobile phone, please refer to your handset's user manual.

Cookies We Use and Why:

Strictly Necessary Cookies

These cookies let you move around the website and use essential features like secure areas. These cookies don't gather any information about you that could be used for marketing or remembering where you've been on the internet.

We use these Strictly Necessary cookies to:

Cookies we have defined as 'Strictly Necessary' cookies will not be used to:

Accepting these cookies is a condition of using the website, so if you prevent these cookies we can't guarantee our website will perform as expected during your visit.

Performance Cookies

These cookies help identify information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don't collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is.

We use performance cookies to:

Using our site indicates that you accept the use of 'Performance' cookies. Accepting these cookies is a condition of using the website, so if you prevent them we cannot guarantee how our site will perform for you.

Functionality cookies

Functionality cookies are used to provide services or to remember settings to improve your visit. We use Functionality cookies to:

Cookies defined as 'Functionality' will not be used to target you with adverts on other websites.
Preventing these cookies may mean we can't offer you some services and will reduce the support we can offer you. It's also possible that preventing these cookies will stop us remembering that you didn't want a specific service.
For example, social media sharing cookies apply when you share our content on a social network such as Facebook or Twitter.

Targeting/marketing cookies

We have relationships with carefully selected and trusted marketing suppliers. Sometimes you might see our adverts on other websites. This is because a cookie has been used to deliver the ad to you. It is important to understand that these cookies are completely anonymous - they are only stored on your computer. No information is ever shared with other websites and you have the ability to opt out of targeted marketing directly from these trusted suppliers.

Preventing these cookies may stop us from offering you some services. All of these cookies are managed by third parties.

11. How to Make A Complaint

To exercise all relevant rights, queries or complaints, please contact us at customercare@bestdebthelp.co.uk to discuss your concerns.

Following this, if you are still dissatisfied, you are able to contact the Information Commissioner’s Office directly at https://ico.org.uk/

Cookie Policy

We use cookies to distinguish you from other users of our Sites and Services. This helps us to provide you with a good experience when you use our Sites and Services and also allows us to improve them. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

We use the pieces of information that cookies record to help us improve services for you by, for example:

How to control and delete cookies:

We will not use cookies to collect personally identifiable information about you.
However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The 'Help' function within your browser should tell you how.
Alternatively, you may wish to visit the AboutCookies.org website which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.

Please be aware that restricting cookies may impact on the functionality of our website.
If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.
For information on how to do this on the browser of your mobile phone, please refer to your handset's user manual.

Cookies We Use and Why:

Strictly Necessary Cookies

These cookies let you move around the website and use essential features like secure areas. These cookies don't gather any information about you that could be used for marketing or remembering where you've been on the internet.

We use these Strictly Necessary cookies to:

Cookies we have defined as 'Strictly Necessary' cookies will not be used to:

Accepting these cookies is a condition of using the website, so if you prevent these cookies we can't guarantee our website will perform as expected during your visit.

Performance Cookies

These cookies help identify information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don't collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is.

We use performance cookies to:

Using our site indicates that you accept the use of 'Performance' cookies. Accepting these cookies is a condition of using the website, so if you prevent them we cannot guarantee how our site will perform for you.

Functionality cookies

Functionality cookies are used to provide services or to remember settings to improve your visit. We use Functionality cookies to:

Cookies defined as 'Functionality' will not be used to target you with adverts on other websites.
Preventing these cookies may mean we can't offer you some services and will reduce the support we can offer you. It's also possible that preventing these cookies will stop us remembering that you didn't want a specific service.
For example, social media sharing cookies apply when you share our content on a social network such as Facebook or Twitter.

Targeting/marketing cookies

We have relationships with carefully selected and trusted marketing suppliers. Sometimes you might see our adverts on other websites. This is because a cookie has been used to deliver the ad to you. It is important to understand that these cookies are completely anonymous - they are only stored on your computer. No information is ever shared with other websites and you have the ability to opt out of targeted marketing directly from these trusted suppliers.

Preventing these cookies may stop us from offering you some services. All of these cookies are managed by third parties.

Complaint Handling Procedure

Registering a complaint with us: What happens next?

Our aim is to provide you with an excellent service. If you are unhappy with our service for any reason, please contact our Customer Services Team by writing to us to our email to customercare@bestdebthelp.co.uk.

You may also wish to use our ‘contact us’ form to submit your complaint.

What we would need to locate your details in our database?

We normally request you to give us 3 working days, but we aim to respond much quickly.

First we try to locate your details in our database to ensure that you really used our website. Once we locate your details (in case you have used our service), we identify the broker who was in touch with you regarding your query in the past. After we have had an opportunity to investigate your concerns, we will issue you with a final response.

Depending on the nature of your complain and if you remain dissatisfied with our response, you may have the right to refer your case to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 08000 234 567; email: enquiries@financial-ombudsman.org.uk; website www.financial-ombudsman.org.uk.We will inform you if this right of referral applies to you.

If you are unhappy with any product you have obtained from a third party or have any complain regarding any third party, you should address your complain directly to that third party. If you require their contact details, please contact our Customer Services Team (customercare@bestdebthelp.co.uk.) who will be happy to assist.

How It Works

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