Terms & Conditions

Terms & Conditions

Please read these terms and conditions carefully before using this Website. By accessing or using our Website, you agree to be legally bound by these Terms and if you do not agree to all of these you should not use this Website.

If you have any questions regarding the use of this Website, please email us from our ‘Contact us’ page.

We reserve the right to update the Terms at any time by displaying amended Terms on the Website. You will be deemed to have agreed to the amended Terms when you next use this Website following any amendment. The Website Disclaimer and Privacy Policy are part of the Terms of use of this Website.

Our privacy policy is detailed separately on this Website. Please take time to read it as it sets out our procedures and policies regarding the personal information you supply to us.

If you have a comment, concern or complaint about our website or the services you have received from us please contact us via email at our ‘Contact us’ page.

The content on this website is for general information only and should not be regarded as an exhaustive analysis of the law. It is provided to the public free of charge, does not constitute legal advice and must not be relied upon as such for making decisions.

These terms and conditions and your use of this Website are governed by and construed in accordance with the laws of Scotland and subject to the exclusive jurisdiction of the Scottish courts.

Information on this Website

The content of this Website is provided for information purposes only and does not constitute legal advice.

We do not make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information, opinions, research information, data and/or content contained on the website (including but not limited to any information which may be provided by any third party or data or content providers) and shall not be bound in any manner by any information contained on the website.

You acknowledge that any reliance on material found on this Website will be at your own risk and you are requested to contact a solicitor should legal advice be required.

If you find an error or omission at this site, please let us know.

Disclaimer of liability

We take care to ensure that the information on the Website is accurate and up to date, but we cannot accept any responsibility for mistakes or omissions. For example articles and archived information may be out of date. We enter into no express or implied conditions, warranties, terms or representations regarding the quality, accuracy or completeness of the information.

We exclude to the extent lawfully permitted all liability for loss or damage, whether direct, indirect or consequential arising out of your use of or inability to use this website, or from any information or omission contained in this website.

We do not exclude our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or any other liability which cannot be excluded or limited by law.

Any information provided on this website regarding our products and services is for general information only, does not take account of any individual circumstances and may not reflect recent changes in the law. Users of this website need to be aware that laws and regulations outside of Scotland may be different from those quoted on this site. Specialist legal advice should always be obtained from a suitably qualified solicitor before taking, or deciding not to take any action.

We try to ensure that this Website is available at all times. However, we cannot guarantee this and we will not be liable if for any reason the website is unavailable at any time or for any period.

Unless it is specifically stated in respect of on-line products, there is nothing in these pages which constitutes an offer or legal or other professional advice and by using this Website you confirm that you have not relied on any such content.

Please note that although reasonable care is taken to ensure that the website and the materials available from it are virus-free we cannot accept responsibility for any viruses which may affect any material you download.

This Website contains links to other websites not operated or controlled by us. These links are provided for convenience only and do not constitute any endorsement by us of the organisation promoted on the linked websites, their products or services.

We do not have any control over such linked websites or the content of them and cannot accept any responsibility for them.

Please note that although reasonable care is taken to ensure that the Website and the materials available from it are virus-free, we cannot accept responsibility for any viruses which may affect any material you download.

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 programs, data or other proprietary material due to your use of this Website.

Your use of this website

You may not misuse this website (including, without limitation, by hacking, attempting to gain unauthorised access to the website or any server on which the website is stored, or by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful). You may not attack the website via a denial of service attack or a distributed denial of service attack.

By breaching this provision you may 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 the website will cease immediately.

Intellectual Property

The intellectual property rights (including, without limitation, copyright and trade marks) in all material on this Website are owned by epdebt unless otherwise stated and your use of them is limited as set out below.

Except to the extent expressly permitted by applicable laws, you must not copy, modify, download, distribute, decipher, de-compile interfere with or attempt to interfere with that software without our written consent. This applies to both the visual content of the Website and the source code.

You may print off one copy, and may download extracts, of any page(s) from our site (other than documents, files or other information contained in the restricted areas which are subject to the terms set out in the Restricted Areas section) for your personal preference and you may draw the attention of others to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must at our option, return or destroy any copies of the materials you have made.


These website terms and conditions constitute the only agreement in relation to your use of the website.

Where any conflict or contradiction appears between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section of the website shall prevail in respect of your use of the relevant section of the website.

Further information

If you have a comment, concern or complaint about our website or the services you have received from us please contact us via email at our ‘Contact us’ page.

UK locations

Covering the whole of the UK

About us

» We are an independant organisation setup to help people across the UK solve their debt problems. Our debt managers help poeple everyday to improve their finances and get their lives back on track. Read more

Get in Touch

Head office:

16 Woodside Crescent,
Glasgow, G3 7UT

0800 007 5021
To view our other UK offices click here.