This website is free to use for its intended purpose.
Information displayed on this website should only be considered as generic information and is not intended as specific advice and should not be construed as such. Professional advice, specific to you as an individual, should be sought prior to undertaking any debt solution.
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This privacy notice aims to give you information on how we collect and process your personal data through your use of this website, including any data you may provide when entering into an IVA with us.
www.x-debt.co.uk is a website owned and operated by Debts Solved Limited T/A X-debt a Company registered in England and Wales. Our company registration number is 06391280 and our Registered Office is at 95 Chorley Road, Swinton, Manchester, M27 4AA.
Our privacy manager is: Angela Canning.
You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
Debts Solved Limited T/A X-debt is the controller and responsible for your personal data.
We have appointed a data privacy manager who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the data privacy manager using the details set out above.
The data protection law in the UK will change on 25 May 2018.
It is important that the personal data we hold about you is accurate and up to date. Please keep us informed if your personal data changes, while you are a client of ours. You can Contact us Here.
This website includes links to third-party websites and may include plug-ins and applications. Clicking on these links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
• Identity Data includes First Name, Surname, Date of Birth, marital status, title, gender.
• Contact Data includes, home or contact address, email address and telephone numbers.
• Financial Data includes payment card details and details relating to your debts in order to evaluate and perform our IVA service
• Transaction Data includes details about payments from you
• Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
• Usage Data includes information about how you use our website
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
We also collect, use and share Aggregated Data such as statistical data (Such as Google Analytics) for tracking usage of the website, how an individual arrived at the website and for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity.
We also collect any data which would be necessary and relevant, in your personal circumstances, in evaluating you for and manging your IVA.
Your data or personal information will not be passed to any third party apart from where you wish to enter in to an IVA, collate information for this purpose and to perform duties relating to your IVA. In these circumstances your information will be shared with creditors and may also be used in tracing assets such as PPI claims. Your express approval will be required before any information is passed to claims companies for the purpose of tracing such assets.
New legislation in May 2018 will change how your personal data is to be stored, retained and used, and this section deals with how we intend to store your personal data should you enter into an Individual Voluntary Arrangement with us and after it concludes.
During the term of an IVA your open file will be stored on the company's server and/or on a paper file at our address or at a secure third party storage facility.
We have a regulatory requirement to retain your personal information for 6 years after your Individual Voluntary Arrangement concludes, which will continue to be stored on the company's server and/or on a paper file at our address or at a secure third party storage facility.
Following the 6 year period after your Individual Voluntary Arrangement concludes, your electronic file will be deleted from the company's database; and with the exception of The Insolvency Practitioner's Record, any documents physically signed by you and the final Supervisor's report, your paper file will be destroyed.
Remaining documents will be stored securely and indefinitely either electronically or in paper form.
We would like to reassure you that we will not use your personal data other than in the ordinary performance of the Individual Voluntary Arrangement or where you give us permission either in writing (which includes a letter, email, SMS, fax and any other electronic communication facility) or by telephone; and where required following closure.
We use different methods to collect data from and about you including through:
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees or agents who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you of any applicable regulatory breach where we are legally required to do so.
You have the right to:
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Information provided through any contact forms on this website will only be used for its intended purpose. This will be specifically to contact you and to assess whether or not an individual is suited to an IVA.
Only very basic information is requested via the online contact forms. Where an individual wishes to (or does) undertake an IVA, further detailed information will be required.
When completing our online forms, when seeking debt advice or solution, you confirm that you are contemplating an Individual Voluntary Arrangement (IVA) and agree that the information on the X Debt website is to be used for broad generic (non-specific) purposes in relation to a Debt Relief Order, Bankruptcy, Debt Consolidation or a Debt Management Plan and does not constitute advice.
Our IVA calculator forms throughout the website will only give an initial indication of whether an IVA is suitable and should not be construed as a recommendation. In order to fully assess suitability for an IVA we will require additional information to advise further.
All information provided on this website is the property of Debts Solved Limited (DSL) T/a X Debt. Copying and redistribution of any content herein is strictly prohibited without the express permission of DSL.