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Mr Smith has 6 unsecured creditors with a total debt of £38,786, his current contractual monthly payment amounts to £1,163.58. After taking his income minus his essential expenditure into account, Mr Smith has £434 to service these debts. A Debt Management Plan was negotiated for Mr Smith who will pay £434 per month. This single monthly payment will be distributed to creditors on a pro-rata basis. This reduces Mr Smith’s outgoings to his creditors by £729 per month.
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of usage of this website.
This page, together with the documents referred to on it, informs you of the terms of use on which you may make use of our website www.debthelp4u.org (our site). Please read them carefully as your continued use of this website indicates that you accept these terms and conditions.
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Users
This website is intended for and directed at residents of the United Kingdom and the Isle of Man and no representation or warranty is made as to whether the website complies with the regulatory regime and local laws of any other countries. Our website and it’s content, is for adults age 18 and over. Our services and any remarks or advice are not relevant to anyone under the age of 18, and should not be acted upon. The information contained within our website is aimed at, and is in relation to United Kingdom residents. The details, options and information for residents of the Isle of Man may differ. Full details appertaining to Isle of Man residents can be provided on request.
Complete agreement and privacy
The privacy policy (here) forms part of these terms and conditions, and together they contain all of the terms relating to the use of this website.
Variation of terms and conditions
We reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website.
Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide to our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time for any period.
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Reliance on Information posted
The information in this website is given in good faith and for general information and interest only. The information and contents is subject to change without notice. We make every effort to ensure that the information on our website is correct but we cannot guarantee that it is 100% free of inaccuracies, errors and omissions. We would therefore request that you do not take any action, enter into any agreement, or incur any monetary expense without first seeking our advice. This website does not constitute advice.
Due to the complexities of UK Insolvency Law, the outlines given here are not to be considered complete. Do not make any importance decisions based on the information contained herein alone. Each case requiring professional advice is made up of a set of individual circumstances. You should seek professional advice, specific to your own circumstances before making and important decisions.
Third Party Website's
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You must not misuse our site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial of service attack or a distributed denial – of - service attack. By breaching this provision you would commit a criminal offence under the Computer Misuse Act 1990, we will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or any website linked to it.
Case Studies & Testimonials
The true identities and images shown with testimonials have been changed to protect the privacy of the individuals concerned. All comments within any case study or testimonial has been used with the express permission of the individual clients who gave them. We do keep a signed statement from the client, with their testimonial on record.
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The English courts will have exclusive jurisdiction over any claim arising from, or relating to, a visit to our site. These terms of use are governed by English Law.
Variations
As these terms and conditions may be amended and updated from time to time, you are expected to check this page from time to time to take notice of any changes we have made, as these changes and revised terms and conditions are binding on you. Some of the new terms and conditions may supersede previous provisions or notices published elsewhere on our site.
Matters beyond reasonable control
Neither party is liable for any breach of this Agreement that is caused by a matter beyond its reasonable control, including acts of God, fire, lightning, explosion, war, flood, industrial disputes, sabotage, extremely severe weather, or acts of local or central Government or other competent authorities.
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Telephone: 0800 334 5176
Debt Help 4U, Regus House, Herons Way, Chester Business Park, Chester, Cheshire, CH4 9QR
Principal: Mr Steve Charnock Cert PFS CeMAP
Consumer Credit Licence: 611359