Call Today: 0161 787 3400
Insolvency Practitioner Business Assistance
Professional advice for directors, shareholders and businesses needing practical insolvency and restructuring solutions.
Whether you need to close an insolvent company, liquidate a solvent business, restructure debts or discuss bankruptcy options, our experienced team can help you understand your choices clearly and confidentially.
Call: 0161 787 3400
This Privacy Policy describes the type of information that our data controllers collect from you, how that information may be used or disclosed, and the safeguards used to protect it. We will only process personal information about you, or provided by you, in accordance with the current data protection legislation, including the UK GDPR and the Data Protection Act 2018.
This Privacy Policy 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 engaging us in connection with any insolvency appointment or debt solution, including but not limited to a Creditors' Voluntary Liquidation, Members' Voluntary Liquidation, Administration, Compulsory Liquidation, Bankruptcy, Company Voluntary Arrangement, or Individual Voluntary Arrangement (IVA).
If you click on a link that takes you to a third-party website that is not ours, we will not be responsible for how they use your personal data. You should read their own privacy policy to understand how they may use your personal data.
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 30 Stafford Road, Ellesmere Park, Eccles, Manchester, M30 9HW.
You can contact us by writing to us at the above address, calling us on 0161 787 3400, or emailing us at .
Our data privacy manager is: Angela Canning.
Our data protection registration number with the Information Commissioner's Office is: XXX.
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.
Any clients wanting to use the Worldpay future pay service will have their card debited on a mutually agreed date, usually the 1st or 15th of the month. Payment duration will be agreed before the request is submitted to future pay.
Clients wishing to amend dates or stop future pay debits should contact us on 0161 787 3400 to discuss in further detail.
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 or business, should be sought prior to undertaking any debt solution or insolvency process.
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).
The information we collect from you depends on the product or service you apply for, or the service that we provide to you, and falls broadly into two categories: insolvency assignments, and marketing or business enquiries. We will only collect information that we actually need, where we're required to collect the information to enable us to perform our legal, regulatory or contractual obligations, or where we have your permission.
We may collect, use, store and transfer different kinds of personal data about you, which we have grouped together as follows:
We also collect, use and share Aggregated Data, such as statistical data (for example, via Google Analytics), for tracking usage of the website, how an individual arrived at the website, and for any related 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 use different methods to collect data from and about you, including through:
We can only use your personal information where it falls into one or more of the following categories:
In a formal insolvency appointment, personal data is generally held for legal purposes and to comply with our statutory duties as Insolvency Practitioners.
To help us keep you up to date about the products and services that we provide to you, we may contact you by letter, telephone, email, text message, push notification, social media, or through other electronic means.
If you start an application for a product or service through us, we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.
If you do not want to be contacted in a particular way, you can request this at any time, but if we are providing a service to you we do need to be able to send you certain communications, often due to a legal or regulatory requirement. It is important that you keep us up to date when your contact details change.
If you do not go ahead with any product or service with us, your personal information will normally be deleted after 12 months, unless we have another reason to keep it (for example, if you have given your consent to receive marketing information from us). We will delete your information sooner if you ask us to.
Insolvency assignments: we will only retain your personal data for as long as is necessary to fulfil our legislative and regulatory requirements. As an insolvency practice, we are governed by the Insolvency Practitioners Regulations 2005 (as amended), together with other applicable legislation. This requires us to preserve records as follows:
| Case type | Retention period |
|---|---|
| Case files (all appointment types) | 6 years following the Insolvency Practitioner's release or discharge |
| Company books and records – Liquidation and Administration | Approximately 15 months after closure of the case (12 months after dissolution of the company by Companies House, which follows 3 months after closure) |
| Company books and records – Bankruptcy | 12 months after closure, subject to there being no other legal requirement |
| Voluntary Arrangements | Records are returned to the entity or debtor who provided the information |
| IVA client files (consumer IVAs) | 6 years after the Individual Voluntary Arrangement concludes |
| Other (non-insolvency) advisory assignments | 6 years after the end of the assignment |
Following the retention period applicable to your case, whatever the appointment type, your electronic file will be deleted from our systems; with the exception of the Insolvency Practitioner's Record, any documents physically signed by you, and the final report to creditors or members (or, for an IVA, the final Supervisor's report), your paper file will be destroyed. Remaining documents of this kind will be stored securely and indefinitely, either electronically or in paper form.
We will not use your personal data other than in the ordinary performance of an insolvency appointment or debt solution, or where you give us permission to do so, either in writing (including letter, email, SMS, fax or other electronic communication) or by telephone, and as required following closure of a case.
Your data will not be passed to any third party except where necessary to perform our services to you. In any insolvency appointment or debt solution, your information will typically be shared with creditors, members, or other parties with a statutory interest in the case, 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.
We may also share your personal information with the following types of organisation:
These companies help us to provide our services to you. We have a contract in place with any provider who directly provides us with such services, to ensure that they comply with their data protection obligations and have appropriate security measures in place.
We may also share your personal information where we have your consent to do so, or where we're required to do so under a legal or regulatory obligation or court order, such as the police, local authorities or the courts. As part of our legitimate interest to develop our business, we will use your personal information to assess our performance and for statistical analysis, using as little personal data as we can to achieve this. We might share some of your information with the emergency services if you are considered to be in immediate danger.
The personal information we have collected from you may be shared with law enforcement agencies and fraud prevention agencies, who will use it to prevent fraud, money laundering and terrorist financing, and to verify your identity.
We use publicly available social media platforms to promote our services, provide updates, and share news and promotional updates. We may collect personal information from these platforms, for example if you post a message on our page. By providing information to us through these platforms, please be aware that:
We take the protection of personal information very seriously and maintain appropriate measures to protect the confidentiality, integrity and availability of the information you have provided, including:
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 are subject to a duty of confidentiality. We have procedures in place to deal with any suspected personal data breach, and will notify you and any applicable regulator of a breach where we are legally required to do so.
When you visit our website or similar websites, Google may use our advertisements promoting our products and services, which may then appear on other third-party websites you visit across the internet for remarketing purposes, including cross-device remarketing. Google and other third parties use cookies to tailor advertisements for website users based on their previous visit to our website.
We do not have control over the advertisements you see on other third-party websites; however, you can request to opt out of or customise these advertisements using the Google Ads Preference Manager.
Information provided through any contact form on this website will only be used for its intended purpose – specifically, to contact you and to assess whether an individual is suited to an IVA or other personal debt solution, or, where you are contacting us regarding a company insolvency appointment, to assess and progress that enquiry.
Only very basic information is requested via our online contact forms. Where an individual wishes to (or does) proceed with an IVA, or a business wishes to proceed with a formal insolvency appointment, further detailed information will be required.
When completing our online forms and seeking debt advice, 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.
Under certain circumstances, you have the following rights in law:
You will not usually have to pay a fee to exercise these rights, though we may charge a reasonable fee, or decline to act, if a request is clearly unfounded, repetitive or excessive. We may need to request specific information from you to confirm your identity before acting on a request, and may contact you for further information to speed up our response. We try to respond to all legitimate requests within one month, though this may take longer for particularly complex requests or where you have made a number of requests – we will keep you updated if so.
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.
Our website uses cookies to distinguish you from other users. This helps us provide a good experience when you browse and use our website, and allows us to improve our site and service. Cookies can be temporary or permanent: temporary cookies form part of the security process while you use the website, and permanent cookies identify the link you used to find our website, check that our website and services work well with your device, and help us monitor traffic.
We do not use cookies to monitor your actions in order to provide additional services. Some cookies are set by third parties and are not controlled by us; these do not contain personally identifiable information. By continuing to browse this website, you are agreeing to our use of cookies. We've set out below the main cookies that we, or third parties, may use on our website:
| Cookie | Purpose |
|---|---|
| Google Analytics | On-site behaviour tracking |
| Google Ads Conversion tracking | Conversion tracking |
| Functional Cookies | Necessary for the website to function |
Except for essential cookies, all cookies will expire after 10 years.
If you prefer, you can choose to have your browser warn you each time a cookie is sent, or turn off all cookies via your browser settings. Please remember that disabling certain cookies may affect the functionality of our website, though none of the core features of our website will be affected.
If you are not happy with how we process your personal information, please contact us in the first instance at . If you're not happy with how we have dealt with your complaint, you have the right to lodge a complaint with the Information Commissioner's Office – you can find their details on their website at www.ico.org.uk.
We reserve the right to modify or amend this privacy policy at any time and for any reason. Nothing contained in this policy creates, or is intended to create, a contract or agreement between us and any user visiting the website or providing identifying information of any kind. Any updates to this policy will be posted on this page, and we will endeavour to notify you of any important or significant changes to the way we collect and use your personal information.
All information provided on this website is the property of Debts Solved Limited T/A X-Debt. Copying and redistribution of any content on this website is strictly prohibited without our express permission.
