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DebtSecret.co.uk Contact Details

How To Contact Us:

In writing:

Customer Service Department
TFLI Limited
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:
compliance@tfli.co.uk

Opening Times:

Monday - Friday 8:00am - 6:00pm
Friday (Bank Holiday)- Closed
Monday Bank Holiday - Closed

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 provided. 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 their 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 usually be affected for 6 years.

You cannot apply directly for a DPP, this can only be done by an approved money advisor.

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.

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.

Our partners 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 provided. 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 their 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 usually be affected for 6 years.

You cannot apply directly for a DPP, this can only be done by an approved money advisor.

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.

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.

Our partners 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

Our Terms

What follows below are important points which You need to know about debtsecret.co.uk & TFLI and the service We provide. We request that You read the following terms and conditions prior to using this iframe form to ensure that You are satisfied with the service We can offer You.

If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service.

Definitions

"Terms" means these terms and conditions;

"Users" means the users of the Website collectively;

"User Information" means the details provided by You on any application via the Website;

"We/Us/Our" means TFLI;

"Website" means the Website or any subsequent URL which may replace it which is used to access Our form;

"You/Your/Customer" means a user of the Website.

"Service" means the process in which TFLI refers your enquiry to a debt solutions provider.

"Provider" means the third party company who may provide You with a debt solutions service.

About us

debtsecret.co.uk is a trading name of TFLI Ltd. TFLI Ltd is licenced by the Information Commissioners Office, (Registration Number Z3585914), Registered in the UK, number 08424810. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB.

Our service

debtsecret.co.uk is owned and operated by TFLI Ltd
We are not a provider or advisor for debt solutions and therefore We will not provide solutions or advice directly to You; We provide an online referral service, We will introduce You to Providers of Debt Solution services. By submitting an enquiry through Our Website You will be giving Your consent for TFLI to pass your details to one of the Debt Solution Providers on Our panel. We will present Your enquiry in real time to one or more of Our Providers. It is important to understand that We may be paid a fee by the Provider for introducing You to them. There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Provider before taking out any service with them.

Any examples of solutions stated on the Websites are purely given as a representative example relating to some of the solutions that may be available. There is no guarantee that all/any solutions will apply to your circumstances. We have no control over the decision making.

The Provider will conduct an assessment of your circumstances before providing potential solutions.

Customer checks & referencing

Upon confirmation to proceed, the Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected.

Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You.

Information about You (including Your visits to the Website)

We will only process information about You in accordance with the privacy policy.
When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.

Communication

Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your enquiry.

Intellectual property rights

The copyright and material on this website & form is owned by TFLI and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of TFLI.

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. TFLI disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.

Liability

We cannot guarantee that the Provider will offer a solution. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, and or, the Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.

Compliance

The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.

Jurisdiction

The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.

Complaints

We endeavor to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to the following address: Email us at or write to: The Compliance Manager, TFLI Ltd, Adelphi Mill, Grimshaw Lane, Bollington, SK10 5JB

DebtSecret.co.uk Privacy Policy

  1. Who are we?
  2. How we may contact you as part of your debt enquiry
  3. How you contact us
  4. How we keep you informed
  5. Obtaining personal Data/Information
  6. Customer Communication
  7. What personal information de we collect?
  8. Who do we share your personal information with?
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  10. What cookies do we use?
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  12. Rights of access to your personal information
  13. How long will we retain your personal information for?
  14. Your right to opt out of future contact from us
  15. Your right to be forgotten / erasure of your personal information
  16. How to make a complaint.

Who Are We?

debtsecret.co.uk is a trading name of TFLI Ltd. TFLI Ltd is licenced by the Information Commissioners Office, (Registration Number Z3585914), Registered in the UK, number 08424810. Registered Office Address: Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB.

debtsecret.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulation (GDPR). Contained within this statement and set out below are details of the type of information that we at debtsecret.co.uk may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.

This privacy policy is only applicable to us and personal information which may be collected and obtained by us. debtsecret.co.uk may choose to amend the content of this privacy policy on occasion. If this occurs, then we will update the policy and the revised policy will be posted on this website.

How we may contact you as part of your debt enquiry

We and our panel of debt solution providers, will keep you informed with the progress of your enquiry. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on 'How we keep you informed')

Lawful basis for collecting your personal data

We process your personal data on different bases, according the reason for which you have provided your data to us. When you have submitted your debt enquiry with TFLI, we process this personal data on the basis that we have a legitimate interest in processing your data (i.e. to share your information with our debt solution providers). When we have submitted the debt enquiry, we process your personal data on the basis that we need this information to fulfill our obligations under the contract we have entered into with you. We will also process this personal data on the basis that you have given your consent to be contacted by TFLI for marketing purposes and their panel of debt solution providers, for the purpose of processing your debt solution enquiry.

You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the "unsubscribe" option in any marketing sms, email we, or any associated third party, send to you. Alternatively, you can withdraw your consent by contacting our Data Protection Officer using the contact details stated in section 14 / 15. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you change your mind.

How you contact us

If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.

How we keep you informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages.

Obtaining Personal Data / Information

  1. You are free to access and browse our website debtsecret.co.uk at your convenience and do not have to provide any personal information/data, however I would like to refer you to the ‘Cookies’ section set out within this privacy policy.
  2. The information/data that we collect from you may include the following details:
    1. Name
    2. Residential address
    3. Residential status
    4. Email address (if applicable)
    5. Telephone number (home, mobile, work)
    6. Debt Level
    7. Number of debts
    8. Employment Status
    9. What you do on our website; the results of this will be used to show DebtSecret.co.uk examples of which parts of our website are most and least used (please refer to ‘Cookies’ section)

If you register with us and have a question about our services, or alternatively choose to send an email to compliance@tfli.co.uk may also collect the above personal information/data in this instance in order for us to respond to your enquiry.

Customer Communication

Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Ensuring your personal details & or preferences are kept up to date.

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.

If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below).

What personal information do we collect?

We collect personal information about you when you give this to us when applying for a debt solution product online. This might be, for example, to obtain comparative quotes for the debt solution and alternative financial products such as debt management plans, bankruptcy, protected trust deed, debt relief orders and individual voluntary arrangements. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or payment details.

In order to provide you with a debt solution we may need to collect personal information which data protection legislation defines as sensitive, such as medical history or criminal convictions. By proceeding with obtaining a quote you give your explicit consent to such information being processed by us and our third-party providers for the purposes stated in this Privacy Policy.

We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits

We may monitor or record your calls, emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

Who do we share your personal information with?

When you complete an enquiry, you consent to us disclosing your personal information to the following parties:

debtsecret.co.uk and TFLI Limited: (i) to communicate with you, including sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.

Alternative Solutions Providers - Debt Management Companies offering financial solutions such as debt management plans, bankruptcy, individual voluntary arrangements and protected trust deeds. Our preferred partners in this sector are:

our channel operators: whilst the majority of the channels on our Sites are run by us, some of our channels are designed and maintained for us by our third party service providers. We may receive your personal information from these service providers and use it in accordance with section 4 above. We will only use the personal information we receive from third parties where the relevant third party can show that it was collected and processed with your consent;

Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;

Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:

  1. if required or permitted to do so by law;
  2. if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
  3. if necessary in connection with legal proceedings or potential legal proceedings; and/or
  4. in connection with the sale or potential sale of all or part of our business.

If you decide to enter into a debt solution with a third party provider through any of the debt solution providers, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the debt solution. We have no responsibility for the uses to which a provider puts your personal information

If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.

FRAUD PREVENTION AGENCIES (FPA'S)

If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.

By submitting an enquiry form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Alternative Solutions Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.

What is a Fraud Prevention Agency?

Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.

They work in the following ways with various organisations:

How do we use your personal information?

We may use your personal information:

  1. to enable you to access and use the Services;
  2. to personalise and improve aspects of our Services;
  3. for research, such as analysing market trends and customer demographics;
  4. to communicate with you, including some or all of the following:
    1. sending you a confirmation email - when you submit an enquiry with us, you will automatically be sent confirmation of your enquiry by email or SMS so that you have a record of it;
    2. sending you debt solution information in order to provide this service to you, we may also send that information to our partners such as debt management companies offering financial debt solutions
  5. to process an application between you and a third party such as the debt management company;
  6. to track applications, which may involve us sharing data with your product provider relating to the product(s) you have chosen. Your product provider may also send us information they hold relating to the product(s) you have chosen for this purpose;
  7. to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and as well-organised as possible.

What cookies do we use?

A cookie is a very small text file placed on your computer or device. Cookies help us to:

  1. understand browsing habits on the Sites;
  2. understand the number of visitors to the Sites and the pages visited; and
  3. remember you when you return to the Sites so we can provide you with access to previously saved quotes.

Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. The cookie used to keep you signed in to your account expires after 90 days. Every time you visit debtsecret.co.uk, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.

You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites on your system. For more information on the cookies we use, please see our Cookie Policy.

How secure is our site and what steps do we take to keep you safe?

Our Sites are "Let’s Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.

We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

Rights of access to your personal information

You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.

To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at compliance@tfli.co.uk.

In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.

Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

You have a right to have inaccurate personal data rectified, you can also request to have incomplete personal data completed (Right to rectification).

We will process your request within one month from date of receipt. If you wish to make any changes please contact our Customer Services Team at compliance@tfli.co.uk

This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

We reserve the right to amend or modify this Privacy Policy at any time and any changes will be published on the Sites.

How long will we retain your personal information for?

The amount of time we retain your information for will depend on the reason it was provided:

Your Right To Opt Out of Future Contact From Us

You can opt out of future contact from DebtSecret.co.uk at any time. All of our marketing messages provide an opt out link – please allow up to 48 hours for us to process your opt out request. Alternatively you can enter your details via www.removeme.co.uk or email compliance@tfli.co.uk where your details will be removed from any future marketing campaigns.

Your Right to be Forgotten / Erasure Of Your Personal Information

Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.

If you wish to request your “right to be forgotten” please email: compliance@tfli.co.uk

Our marketing partners will also be informed of your request.

How to make a complaint

DebtSecret.co.uk 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 in any of the following ways:
By Post:
Complaints Department, DebtSecret.co.uk, 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@debtsecret.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
You can report any of your concerns to the Information Commissioner’s Office (ICO)
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510

European Online Dispute Resolution Platform in relation to your complaint you can also request a review from the European Online Resolution Platform: http://ec.europa.eu/consumers/odr/

Last updated April 2018

DebtSecret.co.uk Complaints Procedure

How to complain...

DebtSecret.co.uk 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
DebtSecret.co.uk
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@debtsecret.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

European Online Dispute Resolution Platform in relation to your complaint you can also request a review from the European Online Resolution Platform: http://ec.europa.eu/consumers/odr/

You will be contacted by one of our partners shown below:


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