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Complaints Procedure

X-debt are committed to providing a professional service with our aim being to reduce your debt burden. Our Insolvency Practitioner, Angela Canning, is regulated by The Insolvency Practitioners Association (IPA).

If, in the unlikely event you feel the need to make a complaint about the service provided to you we would hope to resolve the matter with a simple telephone call. In the first instance please call the office to speak to your advisor as it may be a simple matter of clarification.

If this fails to resolve your issue and you have a genuine complaint regarding the service or conduct of any member of the IVA team you should first direct your complaint in writing to:-

Mrs Angela Canning, X-debt, 95 Chorley Road, Swinton, Manchester, M27 4AA.

The company’s objective is to deal with complaints, or disputes, through a clear and speedy process.

You will receive an acknowledgement of your complaint within 5 working days.

Every effort will be made in the following 10 working days to investigate the nature of your complaint and make a formal written response to your complaint. Whilst that is the aim of the company, where the complaint or dispute is of a more complex nature, this time frame may need to be extended. If the investigation of the complaint is not completed within 15 days we will communicate the reason for delay and give a date for the estimated resolution.

Financial Ombudsman Service (FOS)

If, in the event you are not satisfied with our final response, you may be able to refer your complaint to the Financial Ombudsman Service:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
E14 9SR

Telephone: 0845 080 1800

We trust that you will accept our final response but, if not, you are entitled to seek any independent advice.

Insolvency Complaints Gateway

The Insolvency Complaints Gateway is the central hub for complaints about insolvency practitioners operating in Great Britain, and is run by the Insolvency Service.

You may also be able to refer your written complaint to:
IP Complaints
Insolvency Service
3rd Floor
1 City Walk
LS11 9DA

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