Approved Debt Help - Consumers Choice

Debt Helpline 08008477011

 Debt Helpline 08008477011

£5,000 Or More In Debt? Find Out If We Can Help!

In 2023, 1000’s people wrote off unaffordable debt by entering into an approved debt scheme that could potentially help you Write off  % of your existing debts!

Please Fill In The 3 EASY Steps To Get Help

This is Not a Loan

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By clicking submit, you agree to our terms & conditions and to be contacted by a FCA regulated advisor, by phone, email and sms, in regards to your application.

 

Free Expert Help

Reduce your debts and take back control

Some Solutions Can Include:

  •     Unaffordable Debt Written Off
  •     Freeze All Interest & Charges on All Debts Included
  •     Will Not Effect Your Car Or Finance
  •     Stop All Contact From Creditors and Bailiffs
  •     Pay One Affordable Monthly Payment
  •     Stop Debt Related Stress & Anxiety
  •     Confidential and No Obligation Service
  •     No Upfront Set Up Fees
  •     Non-Judgmental Service

Our partners will help you take back control of your finances

Let’s Get Started

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.”

Get Help With Most Types Of Debt, Including

Store Cards

Credit Cards

Personal Loans

Overdraft

Catalogues

Payday Loans

Council Tax

Utility Arrears

Debt Collectors

Free Debt Help

Our Partners can help you become debt-free by consolidating all your debts into one affordable monthly payment.

This enables you to stop all creditor contact. No more letters, emails or phone calls.

Store Cards

Overdraft

Council Tax

Credit Cards

Catalogues

Utility Arrears

Personal Loans

Payday Loans

Debt Collectors

Free Debt Help

Our partners can help you become debt-free by consolidating all your debts into one affordable monthly payment.

This enables you to stop all creditor contact. No more letters, emails or phone calls.

The Process In 3 Easy Steps

STEP - 1 Eligibility Check

Fill out the form above so we can understand your circumstances.

STEP - 2 Debt Consultation

Speak to a friendly partner for advice to help you choose the best solution for your needs.

STEP - 3 Review & Relax

Let them handle everything so you can free yourself of the worry of speaking to your creditors.

ELIGIBILITY CHECK

We Understand That Every Situation Is Different

Here’s a breakdown of Tim’s story, who choose an IVA as his best solution.

Alternative solutions maybe more suitable for your situation.

DO I QUALIFY LIKE TIM DID

How Does It All Work?

You make one affordable monthly payment
The payment is then distributed between your creditors.
Some solutions mean that at the end of the term, unaffordable debt is written off.

Understanding The Best Solutions To Consider

Debt Management Plan

DMP

An informal arrangement which can be made between you and your creditors.

Read more

Individual Voluntary Arrangement

IVA

An formal arrangement which can be made between you and your creditors.

Read more

Debt Relief Order

DRO

Is a way to have your debts written off if you have a relatively low level of debt and have few assets.

Read more

Bankruptcy

Bankruptcy

Is a legal process through which people or other entities who can not repay debts to creditor.

Read more

Trust Deed

Trust Deed

A trust deed is a voluntary agreement between you and creditors, Scotland residents only.

Read more

See What Happy Customers Say About Us?

Do You Qualify?

Hundreds of people use us every day

GET DEBT FREE

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Consumers Choice is an independent website and has no association with the Government. You are welcome to act upon any options discussed and you are under no obligation to accept the recommendations you may receive from our regulated partners. Fees apply. Your credit rating may be affected

This website is not part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way.

DEBT PLANS

  1. Debt Management Plan
  2. Individual Voluntary Arrangement
  3. Trust Deed
  4. Debt Relief Order (DRO)
  5. Debt Arrangement Scheme
  6. Bankruptcy
  7. Sequestration
  8. Debt Consolidation Loan

The Money Helper is an impartial service set up by the Government to help people manage their money. To find out more about free debt advice, debt counselling, debt adjustment and credit information services, visit www.moneyhelper.org.uk

PRIVACY POLICY

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Consumerschoice.co.uk is an independent website, created to put consumers in touch with FCA-authorised debt management companies and Insolvency Practitioners in the UK. We are a lead generator only, we do not provide debt advice or debt solutions. Our service is 100% free to consumers.

The regulated third parties we work with will assess your circumstances and provide you with tailored advice on a range of debt solutions including; debt management plans (DMP), individual voluntary arrangements (IVA), trust deeds, bankruptcy, debt relief orders (DRO), full and final settlements and more.

Our mission is to provide options to those in financial distress, offering them practical and ethical solutions to assist them in making the right Financial Choices moving forwards. We believe in treating every client with respect and dignity, ensuring fairness and support for all. we are committed to delivering exceptional services. We aim to exceed expectations, making a positive impact on consumers knowledge. At Consumers Choice, we help our clients towards a brighter financial future, helping them navigate the stormy seas.

Consumers Choice is a trading style of Diamond Data Solutions Limited. Registered in England and Wales.

Registered Office: 35 Stanford New Road Altrincham. Co Reg No 09052376. ico za785650

Copyright © 2024 | Consumerschoice.co.uk. All rights reserved.

Debt Management Plan

A Debt Management Plan (DMP) allows you to pay off your debts at a rate you can afford.

It’s suitable if you have non-priority debts like credit or store cards, overdrafts and personal loans.

Your DMP provider will help you work out an affordable payment and talk to your creditors.

You make one monthly payment to the DMP provider who then pays your creditors for you.

 

Which debts can I pay off with a Debt Management Plan?

You can only use a Debt Management Plan for non-priority debts.

These include:

Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) freezes your debts and allows you to pay them back over a set period.

Any money you still owe after this period is then written off.

You can apply for an IVA if you can afford to pay something towards your debts but not necessarily the full amount your creditors want.

You will need to show you have a regular long-term income as the repayments will usually cover a period over 60 or 72 months (five to six years).

If you have a lump sum to pay towards your debts, you might also qualify for an IVA.

The IVA is set up by a qualified professional called an Insolvency Practitioner, who will work with you to put together a proposal to take to your creditors for approval.

It very much depends on what your circumstances are as to whether they will agree to the plan.

An IVA is a legally binding agreement between you and the people you owe money to.

This means once you’ve signed it, neither you nor your creditors can back out. So you need to make sure it’s right for you.

 

Debt Relief Order (DRO)

How a Debt Relief Order works

suitable if you are on a low income with very few assets

freezes debt for a year then writes it off completely if your circumstances haven’t changed.

Once a Debt Relief Order is agreed, you make no further payments to the people you owe money to (your creditors).

Can I apply for a Debt Relief Order?

You can apply for a Debt Relief Order if:

Benefits & Considerations of a Bankruptcy

Considerations

Benefits of Bankruptcy

Trust Deed

Only available in Scotland!

A trust deed is a possible solution, though they are available only in Scotland. If you live in England, Wales or Northern Ireland, you might want to consider an Individual Voluntary Arrangement, which works in a similar way.

Affordable payments

When you sign a trust deed, you agree to make affordable monthly payments over a fixed period of up to four years to reduce your debts. At the end of the four-year period, any remaining debts will be written off. In other words, you will have nothing more to pay.

Unsecured debts

A trust deed is a legally binding arrangement and covers unsecured debts only, such as credit cards and personal loans. It does not therefore apply to your mortgage or any hire purchase agreements. A trust deed must also be set up by an insolvency practitioner, who becomes the trustee and deals with the creditors on your behalf.

It’s important to choose an insolvency practitioner that you can trust as you will have to give details of your assets and income, as well as your debts and creditors, to create a clear picture of your finances.

Introduction

Consumers Choice takes the confidentiality of personal data seriously. Please contact us if you have any questions or comments on this privacy policy.

The Company's privacy policy sets out the ways Consumers Choice processes personal data. This privacy policy only relates to personal data collected by Consumers Choice via the websites it owns and operates. Any personal data collected by Consumers Choice is used in accordance with data protection legislation.

Consumers Choice is a trading style of Diamond Data Solutions Ltd
35 Stamford New Road
Altrincham
Cheshire
WA14 1EB

Contents

About our site

Our site enables people to request a quote or information for the products or services shown or selected on this site (the "Product").

The services that our site provides is to connect people who are looking to purchase the Products with relevant providers of the Products ("Service Providers").

How our site works

If you’d like to request and receive quotes or information for the Products ("Quotes"), please complete and submit our webform.

Once we’ve received your request, we’ll connect you with one or more relevant Service Providers. We’ll tell the Service Providers who you are, and your Product requirements, and they’ll then contact you directly with your requested Quotes or product information

We have a really clear consent statement as displayed on all web forms. This statement sets out the Service Providers that will contact you.

We only work with Service Providers once a legal contract in place. This is to ensure that they respect your data and rights by keeping your data secure and confidential, limiting their use of your data (i.e. to providing you with the requested Quotes), and not sharing your data with anyone else.

About Us

Diamond Data Solutions Ltd ("LI ltd", "we", "us", "our") is a company registered in England and Wales company number: 09052365, whose registered office address is at 35 Stamford New Road, Altrincham, Cheshire WA14 1EB

For the purposes of the General Data Protection Regulation (the "GDPR"), Diamond Data Solutions Ltd is the controller in relation to your data. We are registered as a controller with the UK Information Commissioner’s Office (ICO) under registration number ZA070597. You can confirm our registration here: www.ico.org.uk

What we don’t do with your data

Before confirming what data we collect, and why, please below a list of things we don’t do with it, unless clearly set out and explained in this Privacy Policy.

What data we collect, and how

If you complete our webform in order to request Quotes or product information, it will ask you for your contact details, such as list below,

Our webform will also ask for information regarding your product requirements (where relevant).

We may sporadically change our webforms, as a result of this they may ask you for other information. We will always make it clear in the webform what information we’re requesting, and we only request information that is relevant to your request, and the service that we’re providing.

We also store and share Internet Protocol (IP) addresses, as explained below. Every computer or device has an IP address – a unique number – which enables it to communicate with other computers and devices over the Internet.

We may monitor and/or record these calls for the purposes of quality control and staff training. Also, occasionally, we may need to provide Service Providers with limited access to such recordings in order to resolve disputes.

How we use your data

Service Providers we share your information with

Pacific Financial Solutions is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/s) under Reference: 688034

We use your data (described above) in the following ways.

To connect you with relevant service providers

As explained above, if you submit our web form, we’ll pass your request to one or more relevant Service Providers (named on the consent statement). We will do this in a secure way. For example, using HTTP Secure (HTTPS), which means the data is encrypted. The Service Providers then contact you directly with your quotes. They may contact you by telephone, text/SMS or email.

Before we pass your request to any Service Providers, our service may involve an element of automated decision-making. Our technology platform may automatically assess your Product requirements and pass your request to such Service Providers that would like to receive requests for Quotes at the time your request is made.

We store IP addresses in order to stop unwanted traffic (i.e. spam) to our site. For example, if we become aware that spam is coming from a particular IP address (i.e. computer or location), we can block that IP address. From time to time, we also share IP addresses with Service Providers to enable Service Providers to verify that requests for Quotes have come from a particular country.

You will always be given an opportunity to opt out of such messages before we send them, and we will not send such messages if you have opted out.

Receiving data from service providers

From time to time, Service Providers may return data to us. They may do this if they have a query regarding a request for Quotes that we have sent to them in order to enable us to resolve the query. They may also return data to us, together with confirmation on whether or not a product has been purchased, in order to enable us to improve our marketing. We may also use such data to create custom and lookalike/similar audiences, as explained above.

Working with suppliers

We work with a number of suppliers, who process data on our behalf. These include, email service providers and telephone number validation services. We have appropriate contracts in place with such suppliers to ensure the protection and confidentiality of data.

Cookies

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. At the bottom of this policy, we have included a table, setting out what cookies we use, and the purposes for which we use them.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.

Storing your data

We have a data retention policy, which clearly sets out how long we keep data for, and for what reasons.

We will keep your data only for as long as is necessary to fulfil the purpose/s for which it was collected in the first place, i.e. as set out in this notice.

For example:

Following the periods set out above, we will not use the data, save that we will hash/anonymise the same, and retain it for a further 3 years for compliance purposes.

Legal grounds

This notice sets out (above) how we use your data. Under the GDPR, controllers must have a valid lawful basis for each processing activity that they undertake. This section sets out our lawful basis for each activity.

Activity Lawful Basis under the GDPR Your Rights
To connect you with relevant Service Providers Consent To withdraw your consent, as explained below
The automated decision-making explained above Legitimate interests You have the right to object to processing based on legitimate interests
Using and sharing IP addresses Legitimate interests You have the right to object to processing based on legitimate interests
Receiving data from Service Providers Legitimate interests You have the right to object to processing based on legitimate interests

Under the Privacy and Electronic Communications (EC Directive) Regulations 2003 (PECR), we send such emails on the basis of the existing customer (soft opt-in) exemption.

In each case where we have identified legitimate interests as the legal basis for our processing, we have conducted a legitimate interests assessment.

Your rights

Under the GDPR, you have a number of rights. In relation to our site, and the service that we provide, those rights are set out in the table above. We further explain these rights, and your other rights, below.

Right of access

You have the right at any time to ask us for a copy of the personal information that we hold about you, and to check that we are lawfully processing it.

Right of rectification

If personal information that we hold about you is not accurate or is out of date and requires amendment or correction you have a right to have the data rectified or completed.

Right of erasure

In certain circumstances, you have the right to request that personal information we hold about you is erased (e.g. if the information is no longer necessary for the purposes for which it was collected or processed).

Right to object to or restrict processing

In certain circumstances, you have the right to object to our processing of your personal information. For example, if we are processing your information on the basis of our legitimate interests, and there are no compelling legitimate grounds for our processing which override your rights and interests.

Right of data portability

In certain instances, you have a right to receive any personal information that we hold about you in a structured, commonly used and machine-readable format.

Right to withdraw consent

In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. You can exercise this right by contacting us in any of below ways.

Email – info@consumerschoice.co.uk

Phone – 0800 847 7011

In Writing – Diamond Data Solutions Ltd, 35 Stamford New Road, Altrincham, Cheshire, WA14 1EB

Exercising your rights

If you wish to exercise any of your other rights under the GDPR, please email us at info@consumerschoice.co.uk . Alternatively, you can write to us at the address set out above, or inform us if you speak with us on the phone.

Our lead supervisory authority for the processing set out in this notice is the UK Information Commissioner’s Office (ICO). If you are unhappy with how we have processed your data, you have the right to make a complaint to the ICO.

Contacting us

If you have any questions regarding this notice, or any questions relating to data protection or privacy, you can contact us at info@consumerschoice.co.uk

Alternatively, you can write to us at the address set out above.

Changes to this notice

From time to time, we may update this notice.

Last reviewed: 19/06/2020 17:15:53

 

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