Scotwest Credit Union Debt Collectors – Should You Pay?

If you have been contacted by Scotwest Credit Union Debt Collectors because you owe money, it can immediately make you feel unsettled and threatened. You may have gotten behind on a loan or a mortgage and be struggling to meet payments through no fault of your own.

Scotwest Credit Union may write to you by letter, text you or telephone and they may even get one of their representatives to call at your home to discuss your situation. It’s important, as with any creditor contacting you, not to avoid or ignore them. This will only make matters worse.

Here we take a closer look at Scotwest Credit Union and the steps you can take if they are taking action against you for payment.

You must understand that there is a legal structure for chasing after individuals who owe creditors and, if you feel that an organisation is not following the rules, you should seek appropriate advice.

Who is Scotwest Credit Union Debt Collectors?

Scotwest is a Lanarkshire based creditor which provides a range of loans, mortgages and savings products to people who live and work in the Scotland/s western region. They have been operating for nearly thirty years and are well known within the area.

Credit unions are not for profit member-controlled financial institutions. They don’t have charges and interest that are reinvested back into the business for the benefit of shareholders but use their profits to provide further loans for members.

They are normally used by people on low incomes that are searching for low-interest credit to buy essential items like cars, household appliances and consolidating loans.

An organisation like Scotwest Credit Union provides several benefits such as low rates on credit cards and loans and higher rates of savings accounts. They can also be more relaxed in who they take on as members and generally have a strong community presence. It’s easier for someone with a compromised credit rating to get the financial help they need.

Scotwest Credit Union will start by offering small, low-cost loans and once individuals have paid these off they can access higher levels of credit. In most cases, this allows people to get the finance they need while still controlling their finances.

In some circumstances, however, customers can get into financial trouble and have difficulty meeting their debts.

Why Are They Contacting Me?

If you have a loan or mortgage through Scotwest Credit Union, it doesn’t mean you are immune to getting into debt trouble. Because of the more relaxed acceptance among the local community, it can mean those taking out loans find themselves missing payments.

Losing your job or a loss of income can immediately have a big impact on any loan or mortgage repayment. Most credit unions operate ethically and make sure their customers can afford to pay back any loan but it’s not always possible to foresee the future.

On the whole Scotwest Credit Union have a good reputation for providing financial services to individuals in western Scotland ad have achieved good reviews over the years. There are some concerns, however, when it comes to how they handle debt collections for those that have fallen behind on payments. That includes making excessive calls and pestering individuals who owe money.

Is Scotwest Credit Union Legitimate?

Scotwest is a legitimate credit union and does have many satisfied customers. It has been incorporated as a credit union since 1991 and follows an ethical lending practice:

  • Address: Scotwest Credit Union Ltd, 13 Elmbank Street, Glasgow, G2 4PB
  • Telephone number: 0141 227 2390
  • Website:
  • Company number: 2151448
  • Incorporated on:1st January 1991
  • Board chair: David McRiner (since 2015)

In the recent past, credit unions across Scotland and the rest of the UK have become increasingly important for those on low incomes who need to access loan financing. They have played a significant role in moving households away from costly payday loan companies that normally charge exorbitant rates of interest.

What Actions Can Scotwest Credit Union Take Against Me?

First of all, Scotwest Credit Union encourage anyone who is having difficulty meeting their obligations under a loan agreement to contact them directly before things get out of hand. On their website they state:

“At Scotwest, we help members who are struggling with their Scotwest loans. If you are experiencing debt problems, make sure that you get help straight away by speaking to your lender in the first instance before it spirals out of control.”

There are several reasons why you might be unable to meet your loan repayments. That could include losing your job, having your income reduced or because you have an illness or injury that prevents you from earning money.

If you continue to miss payments and do not contact the company at all, they will generally send out a letter to make you aware of what support is available. When things start moving into debt collection territory, however, the letter will be a lot more aggressive. This kind of action by the organisation may involve follow-up calls.

This action is pre-warning you what will happen if you do not contact the credit union or repay the debt. They will normally give you short a period to pay the amount in full, stating that they have been trying to contact you for some time with no result.

The letter will include a note of the outstanding debt and any penalties or interest that have been added. The letter will also outline what will happen next if you don’t come to an agreement. That includes:

  • A visit to your home by one of their representatives to discuss the debt.
  • Court action which could result in a county court judgement or CCJ.
  • The possibility of being made bankrupt if the value of your outstanding loan is over £5,000 and Scotwest Credit Union decide to issue a statutory demand.
  • You will also be registered with credit agencies because of non-payment making your ability to get loans in the future difficult. 

It’s important to take action and reach out to Scotwest Credit Union if you have received a letter such as this. Unfortunately, many people stick their heads in the sand and try to avoid contact. That can often mean several calls a day coming through to your home or workplace.

This, of course, can be extremely stressful and only gets worse the more the problem stretches on. Scotwest has often been accused of being too aggressive when chasing after debtors although recent changes in the law have given individuals more protection. That includes when and how creditors can contact debtors.

Are They Likely to Instruct Bailiffs?

Going to court and instructing bailiffs is an expensive business and it is normally a last resort for any creditor that is owed money. It’s important to note that at least part of that cost will be transferred onto you as the debtor. It can quickly mean that the amount you need to pay back spirals dramatically.

This only happens if you have a CCJ against you, however. Initially, Scotwest Credit Union may send their representatives to try and collect the debt from you. These third parties have less legal weight and limited powers behind them compared to official bailiffs when it comes to collecting money.

Is My Home at Risk?

The short answer to this is no. Scotwest Credit Union cannot simply make you sell your home. If a CCJ has been made against you and you fail to make the payments requested, the court can force you to sell your home to meet the debt but this only happens under exceptional circumstances when the amount of debt is large. It’s unlikely that individuals using a credit union would be subject to this type of pressure.

What is an Attachment of Earnings Order?

An Attachment of Earnings Order means that repayments are taken directly out of your wages and paid to Scotwest Credit Union. Again, the company cannot do this on their own and force you to comply. There needs to be a CCJ in place and the court has to order an AEO in the first place.

Can I Stop Scotwest Credit Union Contacting Me?

The short answer is that you can’t. But you can stop them from harassing you. There are rules that organisations like Scotwest Credit Union need to follow when chasing up a debt. For instance, they can’t contact you at unreasonable times of the day and they should not contact you at your place of work unless you have agreed that they can do so.

Most debt collection agencies and creditors will abide by your wishes of how you want to be contacted but that does mean you have to reach out to them in the first place and keep communication constant.

In some instances when there has been no contact, a company like Scotwest Credit Union will send out its debt collection representatives to visit you. There are several things to note here:

  • First, this is not an enforcement agent or legally appointed bailiff.
  • If they pretend to be one, it is a criminal offence.
  • They must have proof of ID on them.
  • You are not obliged to let them in your home or even open the door.
  • You can ask them to leave at any time and they must abide by your wishes.
  • They cannot remove any property from your house and you don’t have to make cash payments directly to them.

What Happens if I Ignore Them?

Ignoring regular requests for debt payments and not fulfilling your obligations will mean that Scotwest Credit Union may begin to escalate their action. That can lead to your debt growing and your credit rating being affected. In the final stages, it can also mean that you are given a county court judgement.

While it can be daunting when debt collection procedures begin to happen, bear in mind that the organisation will more often than not want to reach an agreement on future payments and will try to do their best to help you out.

What Are My Options?

You should contact Scotwest Credit Union if you are having trouble meeting your repayments for a loan or a mortgage. The earlier you can intervene and take a proactive approach, the better the outcome is likely to be.

1. Do You Owe the Debt?

This might seem a little curious to start with but financial institutions do make mistakes. If you have already paid off the debt (perhaps after numerous reminders), it’s important to contact Scotwest in writing and by telephone to inform them.

2. Contacting Scotwest Credit Union

Once you find that you have a problem with repaying a debt it’s important to contact Scotwest Credit Union rather than wait for things to get worse. They will generally look at your current income coming in and what you have going out. This will hopefully give you some options for what you can pay back and it can then be reviewed over time.

3. Setting Up a Payment Arrangement

The next step is to set up a new payment arrangement that suits both sides. You must be confident that you can meet this as further default can lead to more assertive action from the credit union. That’s why it can be beneficial to work with a third party debt management company or charity.

4. Staying in Contact

Finally, it’s important to stay in contact with Scotwest Credit Union if your circumstances change. It is far better to be proactive and take the first step rather than wait for them to start pushing you for payments again.

What is an IVA?

An IVA or individual involuntary agreement is for people who are having great difficulty with their debt and allows them to spread their repayments over a much longer period. In Scotland, it is more commonly referred to as a trust deed and is available to anyone who has debts over £5,000. The arrangement goes through an insolvency company and means that all interest and charges are also frozen.

In a recent submission to the Scottish government, however, Scotwest Credit Union stated that it did not get enough return form trust deeds compared to debt arrangement schemes (where the individual promises to pay back their loan in the normal way):

“In Scotwest we have seen an average return on DAS of 92% compared to only 12.5% average return from PTDs. There is a massive gulf here between these two debt solutions and the financials indicate that the main reason we can see for this is the high level of fees which are attached to PTDs.”

That can mean they are more likely to be flexible on debt arrangement schemes and you may well be able to negotiate a better repayment schedule.


Organisations such as Scotwest Credit Union are a safer option compared to payday loan companies but they are not without risk. If you do get into trouble with repaying your loan, it can have huge consequences for your peace of mind and mental health, not just your credit rating. That means not overstretching yourself and being confident that you can repay any amount borrowed in the first place.

It’s important to ensure that you maintain contact with your creditor even if things are very tough. If you fail to do so, you can expect the calls to increase and more threatening letters to come through the door.

Scotwest, like any other creditor, needs to make the books balance. The fact that they deal with consumers that are at the lower-income end of the market means that they are experienced in dealing with defaults. The most important point to focus on is that they are not your enemy and talking is far better than ignoring.

Read More…

4 Ways to Write Off Your Debt

There are 4 ways to write off your debts that lenders don't want you to know about. Most lenders insist ...
Read More
IVA debt write off

Write Off up to 90% of your Debt with an IVA

Find out in this article how an IVA can allow you to write off up to 90% of your debt ...
Read More
debt management plan

How a Debt Management Plan (DMP) can help

Most people in debt that can't afford the repayments use a Debt Management Plan (DMP). They help people who can ...
Read More
using bankruptcy to get out of debt

Using Bankruptcy to Get Out of Debt

Bankruptcy is the "nuclear" option when it comes to getting out of debt and it is not an option to ...
Read More
snowball debt method

The ‘snowball’ method will get you out of debt

The snowball method is by far my favourite method of getting out of debt. It's super simple to follow and ...
Read More
credit card debt trick

Use this credit card trick to clear your debt!

This little known credit card trick can clear your expensive debt. We tend to think that a credit card from ...
Read More

Helpful? Take 5 seconds to share:
  Secure Website

Standard Terms

These terms and conditions apply to all and anybody who uses the MoneyNerd Website or DebtNerd tool. By using the website and toll you agree to be bound by these terms. If you do not accept these terms, please do not use the website.

The term ‘you’ refers to the user or viewer of our website.




Privacy Policy

The Data Protection Act 1998 requires every data controller who is processing personal data to notify the Information Commissioner of any breaches no more than 72 hours after becoming aware of it unless they are exempt from doing so. Failure to notify is a criminal offence.  In addition, any FCA regulated firm must notify the FCA – ideally within 24hrs of discovery of a breach.

This document should be read in conjunction with our Acceptable Use policy and Information Security policy which form part of the Employee’s Handbook.  We are committed to protecting and respecting privacy.

This policy sets out the basis on which any personal data we collect from a consumer will be processed by us.

For the purpose of the Data Protection Act 1998 (“the Act”), the data controller is Nerd FS.

By visiting and using our website the consumer is consenting to the practices set out below.

If our firm needs to collect data for any purpose not stated above we should notify the Information Commissioner before collecting that data.

Whenever collecting information about people, our firm agrees to apply the Eight Data Protection Principles:

  1. Personal data should be processed fairly and lawfully
  2. Personal data should be obtained only for the purpose specified
  3. Data should be adequate, relevant and not excessive for the purposes required
  4. Data should be accurate and kept up-to-date
  5. Data should not be kept for longer than is necessary for purpose
  6. Data processed in accordance with the rights of data subjects under this act
  7. Security: appropriate technical and organisational measures should be taken unauthorised or unlawful processing of personal data and against accidental loss or destruction or damage to personal data
  8. Personal data shall not be transferred outside the EEA unless that country or territory ensures an adequate level of data protection


The same principles apply to when data is taken out of the office

Working at home

The use of data for marketing purposes

For marketing purposes, there are two types of data:

Data obtained in-house

Data obtained from third parties

Security Statement

We have taken measures to guard against unauthorised or unlawful processing of personal data and against accidental loss, destruction or damage.

This includes:

Customers Right to Withdraw Consent

The customer has the right to withdraw their consent at any time. The withdrawal of consent shall not affect the lawfulness of processing based on consent before it’s withdrawal. However, it does mean you can no longer rely on consent as your lawful basis for processing. They withdraw consent by either of the following; putting this in writing to address details, by calling telephone number or emailing email address.

As the right to withdraw is ‘at any time’, it’s not enough to provide an opt-out only by reply. The individual must be able to opt out at any time they choose, on their own initiative.

In some cases you may need to keep a record of the withdrawal of consent for your own purposes – for example, to maintain suppression records so that you can comply with direct marketing rules. You don’t need consent for this, as long as you tell individuals that you will keep these records, why you need them, and your lawful basis for this processing (eg legal obligation or legitimate interests).

Subject Access Request (SAR)

One of the main rights which the Data Protection Act gives to individuals is the right of access to their personal information.  An individual is permitted to send us a subject access request (“SAR”) requiring that we tell them about the personal information we hold about them, and to provide them with a copy of that information.  In most cases we must respond to a valid subject access request within 40 calendar days of receipt.  Any business is able to charge a customer a reasonable charge of £10 for providing this data however it is not our companies policy to do so unless the request is excessive or unwarranted.  Any Subject Access Requests must be sent to a Senior Manager for processing purposes.

Third party requests are also permitted e.g. a friend or relative, a solicitor, a claims management company or other third party. Under the Data Protection Act 1998 and the Data Protection Principles, are not permitted to reveal such information to a third party without the authority of a customer. On this basis, for any third party SAR, we will ensure that we have a written record of authority held on file before we release any personal data.

Where there are two or more customers linked to one credit agreement and the request comes from one of these parties, we will provide the response to both parties

We are required to 'give' a copy of the executed agreement and any other document referred to in it and the required statement. In the FCA’s view, sending a copy of them by ordinary second class post will suffice. Guidance on what constitutes a ‘copy’ can be found in the case of Carey v HSBC Bank plc [2009] EWHC 3417 (QB).

The duty under the relevant section does not apply if no sum is, or will or may become, payable by customer under the agreement. This is irrespective of whether the agreement may have already been terminated.

We will promptly facilitate a SAR request, although we have up to 40 days to do so.  All staff are made aware of this during induction.  Refresher training will be provided on a regular basis.  Although the rules permit the Firm to charge a maximum of £10 for responding to the request for personal data, it is not the Firm’s own policy to do so.

Client consent to the application of the Act and their right to access to their records are included within the firm’s terms of business/client agreement.

Any data collected must not be excessive and must be relevant to the purpose and it must not be kept longer than is necessary.

Information Commissioner’s Office (ICO)

The ICO has the power to issue monetary penalty notices of up to £500,000 for serious breaches of the Data Protection Act occurring on or after 6 April 2010, and serious breaches of the Privacy and Electronic Communications Regulations.


Our Privacy policy is in full view on our website.  This section must be read in conjunction with the Privacy Policy.

It is the responsibility of the senior management of our firm to ensure this policy is effective through monitoring and complaints procedures.

All employees, affiliates and ARs dealing with customers have a responsibility to read, understand and implement this policy and to hold their own valid and appropriate Privacy policy where appropriate.

The Firm holds a valid Data Protection license and it is bound by the rules of the Data Protection Act 1998.  The full extent of the rules can be found at

The 8 principles that the 1984 Act introduced are as follows.  Data must be:

Criminal offences

A criminal offence is committed by the Firm or an individual member of staff if they knowingly or recklessly:

Uses of customer information

When submitting application forms to banks, insurance companies and other financial institutions, this means that personal data will, by default, also be submitted.  In these cases, clients will be informed that their personal data may be used.

The Firm will request client consent before any transfer of data takes place.  Clients will be asked to confirm that they are comfortable to have their personal data used in one or more of the following forms:

Post, telephone, email etc. subject to the conditions of the Data Protection Act.

Information Classification


The following definitions provide a summary of the information classification levels that have been adopted by our firm and which underpin the 8 principles of information security. These classification levels explicitly incorporate the Data Protection Act’s (“DPA”) definitions of Personal Data and Sensitive Personal Data, as laid out in our firm’s Data Protection Policy.

‘Confidential’ information has significant value for our firm, and unauthorised disclosure or dissemination could result in severe financial or reputational damage to us as an FCA authorised firm, including fines of up to £500,000 from the Information Commissioner’s Office.

Data that is defined by the Data Protection Act as Sensitive Personal Data falls into this category. Only those who explicitly need access must be granted it, and only to the least degree in order to do their work (the ‘need to know’ and ‘least privilege’ principles).  When held outside our firm, on mobile devices such as laptops, tablets or phones, or in transit, ‘Confidential’ information must be protected behind an explicit logon and encryption at the device, drive or file level.

‘Restricted’ information is subject to controls on access, such as only allowing valid logons from a small group of staff. ‘Restricted’ information must be held in such a manner that prevents unauthorised access i.e. on a system that requires a valid and appropriate user to log in before access is granted. Information defined as Personal Data by the Data Protection Act falls into this category. Disclosure or dissemination of this information is not intended, and may incur some negative publicity, but is unlikely to cause severe financial or reputational damage to our firm.  Note that under the Data Protection Act large datasets (>1000 records) of ‘Restricted’ information may become classified as Confidential, thereby requiring a higher level of access control.

‘Internal use’ information can be disclosed or disseminated by its owner to appropriate members of our firm, partners and other individuals, as appropriate by information owners without any restrictions on content or time of publication.

‘Public’ information can be disclosed or disseminated without any restrictions on content, audience or time of publication. Disclosure or dissemination of the information must not violate any applicable laws or regulations, such as privacy rules.  Modification must be restricted to individuals who have been explicitly approved by information owners to modify that information, and who have successfully authenticated themselves to the appropriate computer system.

Designating information as ‘Confidential’ involves significant costs in terms of implementation, hardware and ongoing resources, and makes data less mobile. For this reason, information owners making classification decisions must balance the risk of damage that could result from unauthorised access to, or disclosure of, the information against the cost of additional hardware, software or services required to protect it.


Security Level



FOIA2000 / DPA1998 status

1. Confidential

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Sensitive personal data:

·                     racial/ethnic origin

·                     political opinion

·                     religious beliefs

·                     trade union membership

·                     physical/mental health condition

·                     sexual life

·                     criminal record

·                     salary information

·                     individuals’ bank details

·                     passwords

·                     large aggregates of DPA-defined Personal Data (>1000 records) including elements such as name, address, telephone number.

·                     HR system data

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

2. Restricted

Normally accessible only to specified and/or relevant members of our staff

DPA-defined Personal Data (information that identifies living individuals including:

·                     home / work address

·                     age

·                     telephone number

·                     schools attended

·                     photographs

Subject to significant scrutiny in relation to appropriate exemptions/ public interest and legal considerations.

3. Internal Use

Normally accessible only to our staff

·                     Internal correspondence,

·                     internal group papers and minutes,

·                     information held under license company policy and procedures

Subject to scrutiny in relation to appropriate exemptions/ public interest and legal considerations

4.  Public

Accessible to all members of the public

·                     Company filed documents

·                     Company websites

Freely available on the website.

Explicit Information Ownership and Other Rights of Access to Information

We recommend that departments and functions within our business explicitly designate information owners.

Other users may have rights of access to data according to the terms of engagement under which the data was gained or created.

Granularity of Classification

The sets of information being classified should, in general, be large rather than small. Smaller units require more administrative effort, involve more decisions and add to complexity, thus decreasing the overall security.

 Information Retention

There may be minimum or maximum timescales for which information has to be kept. These may be mandated in a commercial contract. Other forms of information retention may be covered by environmental or financial regulations.


All ‘Users’ must obtain authorisation from their line manager before their classification request is submitted to Senior Managers. Nerd FS is responsible for assessing information and classifying its sensitivity.


A violation of our Information Security Policy and supporting policy documents will be investigated and consequentially may result in disciplinary action which could include the termination of employment contract for employees, the termination of contractual relations in the case of third parties, contractors or consultants.

A violation of this policy and misuse of the systems and applications within our firm may also be a breach of the Computer Misuse Act 1990; consequentially the company may at its discretion take legal action against an individual or organisation that is found to be in breach of its policies.

How we may use customer data

 We may as a result of a consumer or a third parties’ interaction with our website/s obtain their personal data and process their information on our computers and in any other way.

By “third parties” we mean any lender, broker or affiliate who interacts with us in enabling a consumer to make a loan application.

We will use the information to manage their account(s), give them statements and provide our services, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and to develop and improve our services to the consumer and other consumers and protect our interests.

We, and other carefully selected third parties, will use their information to inform them by post, fax, telephone or other electronic means, about other products and services (including those of others) which we believe may be of interest to them.

If they contact us, we may keep a record of that correspondence.

We will keep details of transactions they carry out through our site and of the fulfilment of their applications and their loan history.

We will keep details of their visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data and the resources that you access.

In order for us to be able to collect and use personal data and / or to pass If they do not want us to use their data in this way, or to pass their details on to third parties for marketing purposes, customers must manually opt in to this agreement (See CONC section of this Compliance Manual).

IP Addresses

 We may collect information about their computer, including where available their IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.


 For the same reason, we may obtain information about a consumer’s general internet usage by using a cookie file which is stored on their browser or the hard drive of their computer. Cookies contain information that is transferred to their computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. Some of the cookies we use are essential for the site to operate.

If they register with us or if they continue to use our site, they agree to our use of cookies.

Please note that our advertisers may also use cookies, over which we have no control.

Cookies can be blocked and a consumer may not be able to access all or parts of our site. Unless a consumer has adjusted their browser setting so that it will refuse cookies, our system will issue cookies as soon they visit our site.

Where we store data

The data that we collect from a consumer is stored within the European Economic Area ("EEA"). Such staff may be engaged in, among other things, the assessment and fulfilment of a consumer’s application, the processing of a consumer’s bank details and the provision of support services. By submitting their personal data, they agree to this transfer, storing or processing.  We will take all steps reasonably necessary to ensure that a consumer’s data is treated securely and in accordance with this privacy policy.

All information a consumer provides to us is stored on our secure servers. Any transactions will be encrypted. Where we have given (or where they have chosen) a password which enables you to access certain parts of our site, they are responsible for keeping this password confidential. We ask a consumer not to share a password with anyone.

The transmission of information via the internet is never completely secure. Although our systems exceed industry standards for security, and we will always do our best to protect a consumer’s personal data, we cannot guarantee the security of a consumer’s data transmitted to our site; any transmission is at their own risk. Once we have received their information, we will use strict procedures and security features to try to prevent unauthorised access.

Disclosure of information

We may disclose a consumer’s personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may disclose a consumer’s personal information to third parties:

Credit Reference Agencies (CRAs)

When a customer makes an application for a credit, we will check whether they are likely to be able to meet the monthly payments and repay the loan.  However, we are limited in what we can actually do as we do not work directly with CRA’s as we are not eligible to do so.  We will work with what the applicant divulges on their fact find/application but we can only judge as accurately as the information given allows.

When we submit an application to a lender, it is normal practice for a lender to carry out a credit search with a CRA.  In the past, this would have left a search ‘footprint’ on the applicants’ credit file that may be seen by other lenders. Large numbers of applications made within a short period of time would adversely affect a customer’s ability to obtain credit, and they should always consider this before making an application for a loan.

However, the lenders that we have chosen to deal with offer a facility known as a ‘quotation’ search, which does not leave a footprint. This is in line with CONC 2.5.7 which suggests that during the ‘shopping around’ process of the customer, the lenders that we promote should only use a ‘quotation search’, which does not leave a footprint.

Access to information

The Act gives a consumer the right to access information held about them. Your right of access can be exercised in accordance with the Act. Any subject access request may be subject to a fee of £10 to meet our costs in providing them with details of the information we hold about them.

Changes to our Privacy Policy

 Any changes we may make to our privacy policy in the future will be posted on our web page, and, if appropriate, notified to consumers by e-mail.

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to moneynerduk (at)

My 5 Question Debt Write Off Assesment SEE IF YOU QUALIFY