This Policy explains when and why we collect personal information about people who visit our website or who instruct us following a recommendation from a third party to consider using our services. The policy also explains, how we use your personal information, the conditions under which we may disclose it to others and how we keep it secure.
We may change this Policy from time to time so please check our website occasionally to ensure that you’re happy with any changes. By using our website, you’re agreeing to be bound by this Policy.
Any questions regarding this Policy and our privacy practices should be sent by email to privacy@advicecentregroup.co.uk or by writing to us at Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX
We’re The Advice Centre Debt Help which is a trading name of Advice Centre Group LTD company registration number 14322979 whose registered office is at: Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX
We are a business that specialises in assisting people who have unmanageable debts to propose Individual Voluntary Arrangements (IVAs) to their creditors to resolve their financial difficulties. Our business administers IVAs from their commencement until their conclusion.
We obtain information about you when you use our website, for example, when you contact us about our services. We also collect information directly from you by email and from companies or businesses who have advised you regarding your debts before you were introduced to us. We use publicly available online resources to obtain additional information, and this is likely to include information for Anti Money Laundering purposes to confirm your identity and information from organisations such as H M Land Registry to confirm details of property ownership as well as other sources of information which may be directly relevant to your financial circumstances.
The personal information we collect is likely to include your name, address, email address, information about your finances bank account details, details and evidence of your income and expenditure, ownership of assets and the amounts you owe to your creditors. We are likely also to collect information concerning your domestic and family circumstances which is directly relevant to your financial circumstances.
We use your information for the following purposes:
We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our statutory obligations and this includes for example holding details of all the information you provide in connection with a proposal for an IVA for 6 years following completion or termination of your IVA.
Third Party Service Providers working on our behalf: We may pass your information to our third-party service providers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example to assist with preparing financial projections for your business or to provide you with advice regarding the options available to you for resolving your financial difficulties).
When we use third-party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes.
When you are using our telephone or online payment process, your payment is processed by a third-party payment processor, who specialises in the secure online capture and processing of credit/debit card transactions. If you have any questions regarding secure transactions, please contact us.
We may also transfer your personal information to a third party as part of a sale of some or all of our business and assets to a third party or as part of any business restructuring or reorganisation, or if we’re under a duty to disclose or share your personal data in order to comply with any legal obligation or to enforce or apply our terms of use or to protect the rights, property or safety of our supporters and customers.
Whenever we transfer your personal information we will take steps with the aim of ensuring that your privacy rights continue to be protected.
Third Party Service Providers working on our behalf: We may pass your information to our third-party service providers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example to assist with preparing financial projections for your business or to provide you with advice regarding the options available to you for resolving your financial difficulties).
When we use third-party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes.
When you are using our telephone or online payment process, your payment is processed by a third-party payment processor, who specialises in the secure online capture and processing of credit/debit card transactions. If you have any questions regarding secure transactions, please contact us.
We may also transfer your personal information to a third party as part of a sale of some or all of our business and assets to a third party or as part of any business restructuring or reorganisation, or if we’re under a duty to disclose or share your personal data in order to comply with any legal obligation or to enforce or apply our terms of use or to protect the rights, property or safety of our supporters and customers.
Whenever we transfer your personal information we will take steps with the aim of ensuring that your privacy rights continue to be protected.
Your creditors will be provided with a full copy of your IVA proposal which will contain your personal information. On occasions at the request of your creditors, we may also provide them with additional information or documents e.g. copies of your wage slips, copy valuation of your house etc. This information and documentation will be provided in the context of complying with statutory and best practice obligations when acting for you concerning an IVA.
In the event of an IVA being approved by your creditors we will register the details of your IVA on the IVA Register which is maintained by the Insolvency Service. The Register is open for public inspection. Details of the registration will be provided by the Insolvency Service to Credit Reference Agencies.
The accuracy of your information is important to us. We’re working on ways to make it easier for you to review and correct the information that we hold about you. In the meantime, if you change email address, or any of the other information we hold is inaccurate or out of date, please email us at: privacy@advicecentregroup.co.uk or write to us at: Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX
You have the right to ask for a copy of the information Advice Centre Group LTD hold about you and this will be provided to you on request without charge.
When you give us personal information, we take steps to ensure that it’s treated securely. Any sensitive information (such as credit or debit card details) is encrypted. When you are on a secure page, a lock icon will appear on the bottom of web browsers such as Microsoft Internet Explorer.
If you provide us with copies of documents containing personal information we have processes in place with a view to ensuring these documents are protected from being accessed by third parties when transmitted to us and are treated securely once they are in our possession and control.
Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given (or where you have chosen) a password that enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We may analyse your personal information to create a profile of your interests and preferences so that we can contact you with information relevant to you. We may make use of additional information about you when it is available from external sources to help us do this effectively. We may also use your personal information to detect and reduce fraud and credit risk.
Like many other websites, Advice Centre Group Ltd website uses cookies. ‘Cookies’ are small pieces of information sent by an organisation to your computer and stored on your hard drive to allow that website to recognise you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. This helps us to improve our website and deliver a better more personalised service.
It is possible to switch off cookies by setting your browser preferences. Turning cookies off may result in a loss of functionality when using our website.
Our website may contain links to other websites run by other organisations. This privacy policy applies only to our website‚ so we encourage you to read the privacy statements on the other websites you visit. We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our website.
In addition, if you linked to our website from a third-party site, we cannot be responsible for the privacy policies and practices of the owners and operators of that third-party site and recommend that you check the policy of that third party site.
Our services are only provided to individuals in the United Kingdom. We will not transfer any personal information we hold about you outside of Europe.
We keep this Policy under regular review. This Policy was last updated in September 2022.
A debt write off amount of between 25% and 75% is realistic. The debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors.
We provide initial advice for free and there is no obligation to proceed with an IVA. We will check if you qualify to propose an IVA and your IVA will be subject to your creditors agreeing to its terms. Your monthly IVA payments may be different to the example provided and will be based on your personal circumstances. All fees will be clearly explained to you in writing.
The Advice Centre Debt Help is a trading style of Advice Centre Group LTD company number 14322979, registered office Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX, Data Protection Act Registration Number ZB387114. Our company specialises in the preparation and supervision of Individual Voluntary Arrangements created by the Government in the Insolvency Act 1986. IVAs were created to help people to become free of unmanageable debt in a fixed period of time.
Adam Southard is authorised to act as an Insolvency Practitioner in England, Wales and Northern Ireland by the Insolvency Practitioners Association.
Calls made are recorded for training and security purposes |
The numbers we will call you from can be the below:-
01792823732
01904891101
01202232875
01315163086
02045021310
01752545116
01213143075
0161 660 6360
0161 660 6270
01228807375
07547715915
Free Services
Call us – 0161 660 6270
Email us – Enquiries@advicecentregroup.co.uk
You can visit the Money Helper website to find out more about managing your money and to get free advice, they are an independent service set up to help people manage their money
Advice Centre Group Ltd registered in England and Wales (14322979). Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX.
Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.
Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930
Insolvency Practitioner Directory- Insolvency Practitioner Details (bis.gov.uk)
What you need to know about Individual Voluntary Arrangements (Insolvency Service)
We provide solutions to individuals throughout the UK, We Will help recommend solutions available, tailored to your circumstances in which you can then make an informed decision about which solution you qualify for.
