Terms and Conditions

Using this website

By using bailiff-advice.uk, submitting a form or asking us to contact you, you agree to these Terms and Conditions. If you do not agree, stop using the website.

These are website-use terms. If you decide to proceed with an Individual Voluntary Arrangement, separate advice, engagement, proposal and arrangement documents will apply.

About Bailiff Advice Centre and My Debt Plan Ltd

Bailiff Advice Centre, also referred to as Bailiff Advice, is a trading style of My Debt Plan Ltd. My Debt Plan Ltd is registered in England and Wales under company number 10992838. Its registered office is Alexandra Court, Carrs Road, Cheadle, England, SK8 2JY.

Bailiff Advice Centre is not an enforcement company, court, government department or creditor. We do not employ bailiffs, hold enforcement accounts or take payments for an enforcement company.

More about who operates the site and what it offers is on our about us page.

Who may use the website

The website is intended for people in the United Kingdom. Enforcement law and debt solutions differ between England, Wales, Scotland and Northern Ireland, so a page may apply only to the jurisdiction stated on it.

You must be at least 18 to request personalised debt advice or enter into an IVA. General information can be read at any age, but someone under 18 should seek help from a parent, guardian or another appropriate adult.

Accuracy and the status of website information

We aim to keep the website accurate, clear and current. Enforcement law, court procedure, fees, company details and debt-solution rules can change, however.

How guidance is researched, checked and reviewed is described on our editorial standards page.

Website content is general information. It is not a complete statement of the law, legal advice, a court ruling, a guarantee of outcome or a substitute for advice appropriate to your circumstances.

Where a page links to legislation, GOV.UK, a court, regulator, creditor or enforcement company, check the official source and the documents in your own case before acting.

Our services

My Debt Plan Ltd provides IVAs. Personalised advice is given after an initial fact-find and is based on the information you provide, in reasonable contemplation of an insolvency appointment.

We may explain general enforcement rights, identify questions to raise with a creditor or enforcement company, and consider whether an IVA may be suitable for qualifying personal debts.

We do not promise that an IVA, payment proposal, complaint, Breathing Space application or other step will stop every type of enforcement. Some debts, court orders and goods already controlled or removed may require separate treatment.

Information you give us

You are responsible for providing complete, accurate and current information about your identity, address, income, spending, assets, debts, creditors, court action and enforcement notices.

We may rely on that information when explaining options or preparing advice. Missing, inaccurate or late information can affect the suitability, cost, timing or outcome of a proposed solution.

Tell us promptly about material changes, including a visit, clamp, court hearing, change in income, new debt, disposal of an asset or creditor communication.

Referrals to another provider

If an IVA is unsuitable, My Debt Plan Ltd may, with your agreement, refer you free of charge to another provider that offers a different debt solution or service.

Personal information will be shared for a referral only where there is an appropriate lawful basis and any required consent. The other provider is responsible for its own advice, terms, regulatory status, fees and privacy information.

Advice, IVA fees and credit effects

Initial advice is free and includes discussing whether an IVA may be suitable. If you choose to proceed, any fees, risks, credit-record effects and payment arrangements will be explained before the proposal is completed.

Creditors may modify an IVA proposal, including its fees, when they vote. An IVA can affect your credit record and can appear on the public Individual Insolvency Register while applicable.

Our fees and credit rating page explains how IVA fees are paid and how long an arrangement stays on a credit file.

Enforcement outcomes

We cannot guarantee that a creditor, court or enforcement company will accept a payment proposal, suspend a visit, release a clamp, recall a warrant or stop a sale.

A complaint, payment offer or court application does not automatically pause enforcement. Obtain written confirmation of any hold, accepted arrangement, statutory protection or court order on which you intend to rely.

Urgent court deadlines, eviction notices, criminal fines, possession proceedings and disputes about ownership may require independent legal advice.

Contact, communications and call recording

When you submit a form or request a callback, you authorise Bailiff Advice Centre and My Debt Plan Ltd to contact you using the details supplied about your enquiry and relevant debt-help services.

Service communications may be made by telephone, email, SMS, online chat or another method you agree to. Marketing communications are subject to the choices and withdrawal rights in our Privacy Policy.

Telephone calls and online chats may be monitored or recorded for training, quality, compliance, security, evidence and complaint handling.

Data protection and cookies

Personal information is handled as described in our Privacy Policy. My Debt Plan Ltd's data protection registration reference displayed on this website is ZB284067.

The website uses essential storage and offers separate analytics and advertising choices. Read the Cookie Policy and use Cookie settings in the footer to change your choice.

Copyright and permitted use

Unless stated otherwise, website text, design, branding, graphics, downloads and original material belong to My Debt Plan Ltd or are used under licence.

You may view, print or save reasonable extracts for personal, non-commercial use. You must not reproduce, republish, sell, scrape at scale, frame, remove attribution from or commercially exploit website material without prior written permission.

Acceptable use

You must not use the website to:

• commit fraud, impersonate another person or submit false information
• upload malicious code, interfere with security or disrupt the website
• collect personal information unlawfully or attempt unauthorised access
• send abusive, threatening, unlawful or discriminatory material
• present Bailiff Advice Centre content as official court guidance or personalised legal advice
• use our name, branding or forms to obtain money or information from another person.

We may restrict access where reasonably necessary to protect users, staff, systems or legal rights.

Links to other websites

The website may link to courts, regulators, enforcement companies, creditors, MoneyHelper and other organisations. Links are provided for a practical reason or to show the source of information.

We do not control third-party websites and are not responsible for their availability, security, terms, privacy practices or services. A link does not mean that we endorse every statement, product or service on that website.

Website availability and changes

We aim to keep the website available and secure but do not guarantee uninterrupted, error-free or virus-free access. Maintenance, technical faults, cyber incidents or events outside our control may affect availability.

We may correct, update, remove or reorganise content and services. We may suspend access where reasonably necessary.

Liability and legal rights

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any liability that cannot lawfully be excluded.

Subject to those protections, we are not responsible for loss caused by relying on general website information without obtaining advice appropriate to your circumstances, or by inaccurate, incomplete or late information supplied to us.

We are not responsible for decisions made by courts, creditors, enforcement companies, regulators or other service providers. Nothing in these Terms affects statutory consumer rights.

Complaints

Complaints about Bailiff Advice Centre or My Debt Plan Ltd should be made under our Complaints Policy. You can email complaints@mydebt-plan.co.uk or write to the Complaints Officer at the registered office.

A complaint about a bailiff company, court, council, creditor or another provider will normally need to be directed to that organisation using the procedure that applies to it.

Changes to these terms

We may update these Terms to reflect changes in law, regulation, services, technology or business practice. The current version will be published on this page.

Continued use after an update means the revised website terms apply from publication, subject to any additional notice required by law.

Governing law and jurisdiction

These website Terms are governed by the law of England and Wales. The courts of England and Wales will have jurisdiction, except where mandatory consumer law gives you a right to bring a claim in another UK jurisdiction.

Contact details

For website and service enquiries, contact Bailiff Advice Centre. For formal complaints, use the Complaints Policy.

My Debt Plan Ltd's registered office is Alexandra Court, Carrs Road, Cheadle, England, SK8 2JY. Company number 10992838. Data protection registration ZB284067.