Terms and Conditions

Bailiff Advice is a trading style of My Debt Plan Ltd, a company registered in England and Wales under company number 10992838.

Registered office: Alexandra Court, Carrs Road, Cheadle, England, SK8 2JY.

Bailiff Advice is not an enforcement company, court, government department or creditor. We do not employ bailiffs and cannot independently cancel a warrant, liability order, writ or visit.

The Website is aimed at people in the United Kingdom. Some enforcement laws and debt solutions differ between England, Wales, Scotland and Northern Ireland, so individual pages may state a more limited jurisdiction.

You must be at least 18 years old to request personalised debt advice or enter into an IVA. You may browse general information at any age, but a parent, guardian or appropriate responsible adult should assist a person under 18.

We aim to keep the Website accurate, clear and up to date. However, enforcement law, court procedure, fees, company details and debt-solution rules can change.

Website content is general information and is not a complete statement of the law. It should not be treated as legal advice, a court ruling, a guarantee of outcome or a substitute for checking the documents in your own case.

Where a page links to legislation, GOV.UK, a court, regulator, creditor or enforcement company, the official source should be checked for the latest position.

My Debt Plan Ltd provides IVAs only. Any personalised advice is given after an initial fact-find and is tailored to 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. Court fines, child maintenance, student loans, secured debts, possession orders and goods already controlled or removed may require separate treatment.

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

We may rely on the information and instructions you provide when explaining your options or preparing advice. Incomplete or inaccurate information can affect the suitability, cost, timing or outcome of any proposed solution.

You must tell us promptly about material changes, including a bailiff visit, vehicle clamp, court hearing, change in income, new debt, asset disposal or creditor communication.

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

We will not transfer your personal information for a referral without an appropriate lawful basis and the consent required by our Privacy Policy.

Any affiliate is responsible for its own advice, terms, regulatory status, fees and service. You should read the affiliate’s terms and privacy notice before proceeding.

There is no charge for discussing whether an IVA may be suitable. IVA fees apply only if an IVA is approved and you proceed with it. Fees are normally taken from payments made into the arrangement rather than added to the agreed monthly contribution.

Creditors may modify the fees when voting on the proposal. Full fee information, risks and credit-record consequences are explained before you decide whether to proceed.

An IVA affects your credit rating and is entered on the public Individual Insolvency Register while applicable. Read IVA Fees and Your Credit Rating for current details.

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 stop enforcement. You should obtain written confirmation of any hold, accepted arrangement, statutory protection or court order.

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

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

Service communications may be sent by telephone, email, SMS, online chat or another method you agree to. Marketing communications are subject to the consent and opt-out rights described in our Privacy Policy.

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

Personal information is processed in accordance with our Privacy Policy and applicable data-protection law. My Debt Plan Ltd’s data protection registration reference displayed on the Website is ZB284067.

We may use cookies and similar technologies for essential website functions, security, analytics, preferences and marketing where permitted. Read our Cookie Policy and use the available consent controls.

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, frame, remove attribution from or commercially exploit Website material without prior written permission.

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;
• harvest personal data, scrape content at scale or attempt unauthorised access;
• send abusive, threatening, unlawful or discriminatory material;
• misrepresent Bailiff Advice content as legal advice or official court guidance; or
• use our name, branding or forms to obtain money or information from other people.

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

The Website may link to GOV.UK, courts, regulators, enforcement companies, creditors, MoneyHelper and other third parties. Links are provided for convenience and context.

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

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 change, remove, correct or reorganise Website content and services without notice. We may also suspend access where reasonably necessary.

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 reliance 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, affiliates or other third parties. Nothing in these Terms affects statutory consumer rights.

We aim to resolve concerns promptly. Complaints about Bailiff Advice or My Debt Plan Ltd should be made under our Complaints Policy.

You can contact the Complaints Officer at complaints@mydebt-plan.co.uk or write to My Debt Plan Ltd, Alexandra Court, Carrs Road, Cheadle, SK8 2JY.

Complaints about a bailiff company, court, council, creditor or affiliate must normally be directed to that organisation using the relevant complaint or court procedure.

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 with its review date.

Continued use of the Website after an update means the revised Website terms apply from the date shown, subject to any additional notice required by law.

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 the right to bring a claim in another UK jurisdiction.