We help a wide range of people with our expert debt advice.
Who are we?
debtfreedomscotland.co.uk is a trading name of Impressia International DMCC, who are registered under the Data Protection Act 1998 (the “DPA”) and the Information Commissioner’s Office (the “ICO”) under registration number ZA279521. Registered Office; Grimshaw Lane, Bollington, Macclesfield, Cheshire, SK10 5JB.
debtfreedomscotland.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at Debt Freedom Scotland may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.
This privacy policy is only applicable to us and personal information which may be collected and obtained by us. debtfreedomscotland.co.uk may choose to amend the content of this privacy policy on occasion. If this occurs, then we will update the policy and the revised policy will be posted on this website.
How we may contact you
Unless you state otherwise to us, debt management companies (see further section on ‘How we keep you informed’) may contact you via telephone, email, post, SMS, automated messages.
How you contact us
If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
How we keep you informed
We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.
Obtaining Data/Information
Communication
Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavor to check your information with you on occasion.
Ensuring your personal details & or preferences are kept up to date.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated, then please contact us as soon as possible so we can ensure it is corrected.
If you require your preferences to be updated, then please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ page).
What information de we collect?
We collect personal information about you when you give this to us when applying for a debt solution product online. This might be, for example, to obtain comparative quotes for the debt solution and alternative financial products such as debt arrangement schemes, sequestration and protected trust deed. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or payment details.
In order to provide you with a debt solution we may need to collect personal information which data protection legislation defines as sensitive, such as medical history or criminal convictions. By proceeding with obtaining a quote you give your explicit consent to such information being processed by us and our third-party providers for the purposes stated in this Privacy Policy.
We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits
We may monitor or record your calls, emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.
When you complete an enquiry, you consent to us disclosing your personal information to the following parties:
debtfreedomscotland.co.uk and Impressia Limited: (i) to communicate with you, including sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.
Alternative Solutions Providers - Debt Management Companies offering financial solutions such as debt arrangement schemes, sequestration and protected trust deeds. Our preferred partners in this sector are:
our channel operators: whilst the majority of the channels on our Sites are run by us, some of our channels are designed and maintained for us by our third party service providers. We may receive your personal information from these service providers and use it in accordance with section 4 above. We will only use the personal information we receive from third parties where the relevant third party can show that it was collected and processed with your consent;
the Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;
Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:
If you decide to enter into a debt solution with a third party provider through any of the debt solution providers, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the debt solution. We have no responsibility for the uses to which a provider puts your personal information
If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.
FRAUD PREVENTION AGENCIES (FPA'S)
If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.
By submitting an enquiry form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Alternative Solutions Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.
What is a Fraud Prevention Agency?
Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.
They work in the following ways with various organisations:
How do we use your information?
We may use your personal information:
A cookie is a very small text file placed on your computer or device. Cookies help us to:
Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. The cookie used to keep you signed in to your account expires after 90 days. Every time you visit idebtplan.co.uk, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.
You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites on your system. For more information on the cookies we use, please see our Cookie Policy.
How secure is our site?
Our Sites are "Let’s Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.
We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.
Your rights and responsibilities
You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing. The law allows us to charge you a £10.00 fee for a copy of such information and we may do so.
To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at compliance@impressia.co.uk
In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.
Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.
This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.
We reserve the right to amend or modify this Privacy Policy at any time and any changes will be published on the Sites.
How long will we retain your information for?
Once you have submitted your enquiry via debtfreedomscotland.co.uk we will only hold that information for twelve months. Once the twelve month period has passed all of your personal data will be deleted from our systems. If you require further information on our data retention policies please email: compliance@impressia.co.uk.
How to make a complaint
Debt Freedom Scotland always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us in any of the following ways:
By Post:
Complaints Department, Impressia International DMCC, 803B AA1, Mazaya Business Avenue, Jumerirah Lakes Towers, Dubai, UAE
By Phone:
01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)
By Email: complaints@impressia.co.uk
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
You can report any of your concerns to the Information Commissioner’s Office (ICO)
Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number
Fax: 01625 524 510
Last updated September 2017
Protected Trust Deed (PTD) costs
All fees are included in your monthly payments:
Debt Arrangement Scheme costs
You may have to pay an initial cost and administration fees to take out a debt payment proposal under the debt arrangement scheme,
Sequestration costs
In order to start the sequestration process, you will be required to pay a fee to the (AIB) who are responsible for all personal insolvencies in Scotland. This is to cover the cost of processing the application and is currently £200.
Here at Debt Freedom Scotland: we will do everything to help protect you against fraud. We want all of our customers to feel safe and secure whilst browsing our website and applying potential debt solutions.
We take the security of our customers very seriously and want to make sure that everyone is protected whilst using our services.
Fraud can sometimes be hard to identify. Some fraudsters will even take advantage of genuine companies and pose as them. These fraudsters will then make cold calls to their victims promising solutions that don't really exist. The fraudsters will then invite the victim to part with their cash or encourage them to use voucher schemes like UKASH VOUCHERS and promising that a solution will be available. Please be well aware that these types of calls are scams.
Note: No one from Debt Freedom Scotland: or any solutions partner will ever contact you and request you to send money or ask you to buy any products prior to you accepting a suitable solution.
If you think you've been a victim of fraud, please see our important steps below to get help on this matter.
Stop sending money!
If you think you're a victim of fraud, you should stop sending money and notify your bank straight away.
Report it immediately
If you think you are or have been a victim of a scam or fraud report it using the helpful links below;
Action Fraud
Money Advice Service on scams
Citizens Advice - Scams
Citizens Advice – Scams – Scotland
Victim support – Scotland
Further Support
Contact the financial conduct authority for more information:
Telephone: 0800 111 6768
Email: consumer.queries@fca.org.uk
Our Terms
What follows below are important points which You need to know about debtfreedomscotland.co.uk & Impressia and the service We provide. We request that You read the following terms and conditions prior to using this iframe form to ensure that You are satisfied with the service We can offer You.
If, after reading Our terms and conditions, You do not agree with the content then We request that You do not use Our service.
Definitions
"Terms" means these terms and conditions; "Users" means the users of the Website collectively; "User Information" means the details provided by You on any application via the Website; "We/Us/Our" means Impressia; "Website" means the Website or any subsequent URL which may replace it which is used to access Our form; "You/Your/Customer" means a user of the Website. "Service" means the process in which Impressia refers your enquiry to a debt solutions provider. "Provider" means the third party company who may provide You with a debt solutions service.
About us
debtfreedomscotland.co.uk is a trading name of Impressia International DMCC, who are registered under the Data Protection Act 1998 (the “DPA”) and the Information Commissioner’s Office (the “ICO”) under registration number ZA279521. Registered Office; Grimshaw Lane, Bollington, Macclesfield, Cheshire, SK10 5JB.
Our service
debtfreedomscotland.co.uk is owned and operated by Impressia Limited
We are not a provider or advisor for debt solutions and therefore We will not provide solutions or advice directly to You; We provide an online referral service, We will introduce You to Providers of Debt Solution services. By submitting an enquiry through Our Website You will be giving Your consent for Impressia to pass your details to one of the Debt Solution Providers on Our panel. We will present Your enquiry in real time to one or more of Our Providers. It is important to understand that We may be paid a fee by the Provider for introducing You to them. There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Provider before taking out any service with them.
Any examples of solutions stated on the Websites are purely given as a representative example relating to some of the solutions that may be available. There is no guarantee that all/any solutions will apply to your circumstances. We have no control over the decision making.
The Provider will conduct an assessment of your circumstances before providing potential solutions.
Customer checks & referencing
Upon confirmation to proceed, the Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions.
Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected.
Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You.
Information about You (including Your visits to the Website)
We will only process information about You in accordance with the privacy policy.
When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.
Communication
Unless stated otherwise We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your enquiry.
Intellectual property rights
The copyright and material on this website & form is owned by Impresia and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Impressia.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. Impressia disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.
Liability
We cannot guarantee that the Provider will offer a solution. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, and or, the Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.
Compliance
The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.
Jurisdiction
These terms and your use of this site are governed by and construed in accordance with the laws of Scotland and any disputes will be decided only by the Courts of Scotland.
Complaints
We endeavor to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email or by writing to the following address: Email us at or write to: The Compliance Manager, Impressia International DMCC, 803B AA1, Mazaya Business Avenue, Jumerirah Lakes Towers, Dubai, UAE
Debt Freedom Scotland always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways: By Post:
Complaints Department
Impressia International DMCC
803B AA1,
Mazaya Business Avenue,
Jumerirah Lakes Towers,
Dubai,
UAE
By Phone: 01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)
By Email: complaints@impressia.co.uk
We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
Web site: www.financial-ombudsman.org.uk
