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Terms & Condition
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Definition of terms
“Agreement” means the agreement between you and we made in these Terms and conditions of Business. “Cleared Funds” Means any, postal orders or bankers drafts made payable to us which we have received from you; any monies which we have received into our client Account from you by electronic transfer (Such as standing order, direct debit or bank giro credit transfer) and which not been returned unpaid within five working days, and or any cheques which we have received from you which have not been returned unpaid within seven working days. “Client Account” Means the account where any monies held on behalf of our clients is kept and which is not used for the purpose of our own business.
1. Appointment and Term
“Agreement” means the agreement between you and we made in these Terms and conditions of Business. “Cleared Funds” Means any, postal orders or bankers drafts made payable to us which we have received from you; any monies which we have received into our client Account from you by electronic transfer (Such as standing order, direct debit or bank giro credit transfer) and which not been returned unpaid within five working days, and or any cheques which we have received from you which have not been returned unpaid within seven working days. “Client Account” Means the account where any monies held on behalf of our clients is kept and which is not used for the purpose of our own business.
1. Appointment and Term
1.2 This Agreement will start when you confirm your acceptance of these Terms and Conditions of
1.3 This Agreement will continue for the term, unless ended earlier by you or by us as set out in section 5.
1.4 You have a right to cancel the Agreement at any time during the first 7 days of the Term. “days “ here include Saturdays, Sundays and public holidays .You can do this by writing
the above address or by telephone on 0845 257 8954 saying you wish to cancel. We will then refund to you any Fees already paid to us that are cleared Funds
2. Our Obligation to you
2.1 Based on the information provided by you to us, we will review your income, outgoings and living expenses and prepare and send you a Repayment Management Plan based on the
to be included in your plan. This will indicate a monthly contribution which we believe you can afford and an estimate of how long it will take
you to repay your creditors.
2.2 Once the agreement starts we will notify your creditors of our involvement and will attempt to agree with them revised payment terms on your behalf. We will attempt to persuade your
creditors to accept reduced monthly repayments from you, not to charge interest and to either suspend or withdraw any recovery, or similar ,
proceedings ,which they may already have taken against you or may have threatened to bring against you. Whilst we will attempt to agree revised
payment terms with your creditors we cannot stop your creditors from continuing to charge you interest and other charges, or from continuing any current,
or bringing any future , recovery proceedings against you if they want to do this . If your creditors continue to charge you interest or other charges
during the Term of your Repayment Management Plan it may be necessary for you to make additional payments at the end of your Repayment Management Plan to
clear your debt to your creditors.
2.3 If your circumstances change and you are unable to meet the payments set out in the Repayment Management Plan, we shall attempt to re- negotiate with your creditors and arrange
a revised Repayment Management Plan. We will in any event periodically review your situation, normally every six months or earlier if your creditors insist,
and will prepare and issue a revised RMP with you and your creditors if this is appropriate.
2.4 We shall keep you informed of all material communications between you and your creditors and us, and we shall deal with all communications from your creditors to us (or to you
and provided by you to us) appropriately.
2.5 We may if requested be able to provide our clients with basic Bank Accounts, these will be provide via a partner company and are subject to they own Terms and Conditions.
3. Your Obligation to us
3.1 You must provide Us with full, accurate and honest details on the form we provide to you of your net income, outgoings, creditors and dependants and you must also provide us with details of any outstanding judgment against you or any actual or threatened court proceedings. You must, where possible, send to us copies or originals of documents to confirm these details. 3.2 You must make the agreed monthly contribution payments to us in accordance with the Repayment Management Plan, these contributions will pay for the initial fee, the monthly fee and the monthly Repayments to your creditors 3.3 You must allow us to negotiate on your behalf with your creditors. 3.4 You must send us originals or copies of all correspondence you receive from your creditors so that we can deal with them on your behalf. Your correspondence will be scanned and stored by us as an electronic image and the original paperwork destroyed. If originals are provided we can only return them to you if you request this prior to posting. 3.5 During the term you must not make any payments directly to your creditors unless you have notified us in advance that you propose to do so and we have agreed that such payment can be made. 3.6 You must tell us if your circumstances change so that you are or may become unable to maintain the level of monthly contribution payments or if there has been an improvement in your circumstances so that you are able to increase your level of monthly contribution payments. We will require two weeks notice from you to make any amendments to any direct debit or standing order arrangements. You make for payment of the monthly contribution payments to us. 3.7 During the term you must incur no further debts, weather on credit or otherwise, other than those relating to your normal living expenses.
4. Your Contribution
4.1 All contribution payments that we receive from you in cleared funds will be paid directly into your client Account. The only payments which we make out of our client Account are payments of our fees: and payments of the monthly repayments to your creditors in accordance with the contribution. 4.2 We will distribute the monthly Repayments amongst your creditors in accordance with the Repayment Management Plan normally within five working days of receipt of the monthly contribution from your cleared funds. If there is a delay in any payment to creditors which is not beyond our control for more than 21 days, we shall take the appropriate action to put you in the position you would have been in if the payment had been made within five working days in cleared funds and shall make good any additional interest which has accrued and any default charges that have been applied to the account as result of the delay.
1.3 This Agreement will continue for the term, unless ended earlier by you or by us as set out in section 5.
1.4 You have a right to cancel the Agreement at any time during the first 7 days of the Term. “days “ here include Saturdays, Sundays and public holidays .You can do this by writing
the above address or by telephone on 0845 257 8954 saying you wish to cancel. We will then refund to you any Fees already paid to us that are cleared Funds
2. Our Obligation to you
2.1 Based on the information provided by you to us, we will review your income, outgoings and living expenses and prepare and send you a Repayment Management Plan based on the
to be included in your plan. This will indicate a monthly contribution which we believe you can afford and an estimate of how long it will take
you to repay your creditors.
2.2 Once the agreement starts we will notify your creditors of our involvement and will attempt to agree with them revised payment terms on your behalf. We will attempt to persuade your
creditors to accept reduced monthly repayments from you, not to charge interest and to either suspend or withdraw any recovery, or similar ,
proceedings ,which they may already have taken against you or may have threatened to bring against you. Whilst we will attempt to agree revised
payment terms with your creditors we cannot stop your creditors from continuing to charge you interest and other charges, or from continuing any current,
or bringing any future , recovery proceedings against you if they want to do this . If your creditors continue to charge you interest or other charges
during the Term of your Repayment Management Plan it may be necessary for you to make additional payments at the end of your Repayment Management Plan to
clear your debt to your creditors.
2.3 If your circumstances change and you are unable to meet the payments set out in the Repayment Management Plan, we shall attempt to re- negotiate with your creditors and arrange
a revised Repayment Management Plan. We will in any event periodically review your situation, normally every six months or earlier if your creditors insist,
and will prepare and issue a revised RMP with you and your creditors if this is appropriate.
2.4 We shall keep you informed of all material communications between you and your creditors and us, and we shall deal with all communications from your creditors to us (or to you
and provided by you to us) appropriately.
2.5 We may if requested be able to provide our clients with basic Bank Accounts, these will be provide via a partner company and are subject to they own Terms and Conditions.
3. Your Obligation to us
3.1 You must provide Us with full, accurate and honest details on the form we provide to you of your net income, outgoings, creditors and dependants and you must also provide us with details of any outstanding judgment against you or any actual or threatened court proceedings. You must, where possible, send to us copies or originals of documents to confirm these details. 3.2 You must make the agreed monthly contribution payments to us in accordance with the Repayment Management Plan, these contributions will pay for the initial fee, the monthly fee and the monthly Repayments to your creditors 3.3 You must allow us to negotiate on your behalf with your creditors. 3.4 You must send us originals or copies of all correspondence you receive from your creditors so that we can deal with them on your behalf. Your correspondence will be scanned and stored by us as an electronic image and the original paperwork destroyed. If originals are provided we can only return them to you if you request this prior to posting. 3.5 During the term you must not make any payments directly to your creditors unless you have notified us in advance that you propose to do so and we have agreed that such payment can be made. 3.6 You must tell us if your circumstances change so that you are or may become unable to maintain the level of monthly contribution payments or if there has been an improvement in your circumstances so that you are able to increase your level of monthly contribution payments. We will require two weeks notice from you to make any amendments to any direct debit or standing order arrangements. You make for payment of the monthly contribution payments to us. 3.7 During the term you must incur no further debts, weather on credit or otherwise, other than those relating to your normal living expenses.
4. Your Contribution
4.1 All contribution payments that we receive from you in cleared funds will be paid directly into your client Account. The only payments which we make out of our client Account are payments of our fees: and payments of the monthly repayments to your creditors in accordance with the contribution. 4.2 We will distribute the monthly Repayments amongst your creditors in accordance with the Repayment Management Plan normally within five working days of receipt of the monthly contribution from your cleared funds. If there is a delay in any payment to creditors which is not beyond our control for more than 21 days, we shall take the appropriate action to put you in the position you would have been in if the payment had been made within five working days in cleared funds and shall make good any additional interest which has accrued and any default charges that have been applied to the account as result of the delay.
