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X Debt Website Terms, Privacy and Cookie Policy

Privacy and Use of Our Website

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.

Our website uses Cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse and use our website and also allows us to improve our site and service.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly.

Cookies are also used to enable us to monitor visitor numbers and search engine traffic, phrases used and so on. These are third party cookies and not controlled by us. We do not use cookies to monitor your actions in order to provide additional services. Cookies of this nature do not contain personally identifiable information.

By continuing to browse this website, you are agreeing to our use of cookies.

Purpose of This Privacy Notice

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.

Contact Information

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.

You can contact us by writing to us at the above address or emailing us at

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.

Controller

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.

Changes to the Privacy Notice and Your Duty to Inform us of Changes

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.

Third Party Links

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.

The Data We Collect About You

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

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.

GDPR 25 May 2018

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.

How is Your Data Collected?

We use different methods to collect data from and about you including through:

Data Security

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.

Your Legal Rights

You have the right to:

  1. Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

  2. Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

  3. Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing, where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law.

    Note, however, that we may not always be able to comply with your request of erasure for specific legal or regulatory reasons where you have entered into an IVA with us and we have a requirement to continue to hold this data, which will be notified to you, if applicable, at the time of your request.

  4. Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes.

  5. Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
    (a) if you want us to establish the data’s accuracy;
    (b) where our use of the data is unlawful but you do not want us to erase it;
    (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
    (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.

  6. Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

  7. Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain services to you. We will advise you if this is the case at the time you withdraw your consent.

    You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

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.

Contact Forms

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.

IVA Calculator

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.

Changes to This Policy

We may decide to change our terms and/or privacy policy and any such changes will be posted on this page. We will endeavour to inform you of such changes.

Information on this website

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.


We have updated our Cookie Policy and our Privacy policy. Cookies are used to ensure we provide the best customer experience. Continued use of this website assumes your acceptance of these policies.