Legal & Regulatory Disclaimer.

We may provide general information about debt terminology, processes and the types of routes that can exist, and may assist with permitted administrative and document-related matters. Providing general information is not intended to amount to a personal recommendation about which regulated debt solution a particular individual should enter.

Where a person's circumstances require regulated debt counselling, debt adjusting or another regulated consumer-credit activity, the relevant work must be undertaken through an appropriately FCA-authorised provider or another person lawfully entitled to undertake that activity.

Stop Your Debt UK may assist with the administrative coordination of a matter before, during or after a referral, where permitted, but the regulated advice and any regulated recommendation remain the responsibility of the appropriately authorised provider.

We may provide general legal information and practical administrative assistance where lawful to do so. However, general information about a legal process should not be treated as a substitute for legal advice from an appropriately qualified professional who has considered the particular facts and circumstances of a matter.

Where a matter requires a reserved legal activity, formal legal representation, specialist legal advice or other work requiring professional authorisation, that work must be undertaken by an appropriately authorised or qualified legal professional.

Any solicitor, barrister or other legal professional introduced or engaged in connection with a matter is responsible for the legal services they personally provide and for explaining the terms, scope, regulatory protections and costs applicable to their own engagement.

A McKenzie Friend may, subject to the court's control, provide reasonable assistance such as moral support, taking notes, assisting with case papers and quietly providing assistance to the litigant.

A McKenzie Friend does not automatically have a right of audience and does not automatically have the right to conduct litigation. This means a McKenzie Friend cannot simply assume the role of a solicitor or barrister, address the court, conduct advocacy, sign court documents on behalf of the litigant or take over the conduct of proceedings.

Any permission for a lay person to exercise rights of audience or conduct litigation is a matter for the court and must not be assumed. The court also retains control over the assistance permitted in individual proceedings.

We may provide general information about business financial difficulty and insolvency terminology and may assist with information gathering, documents, permitted administration and case coordination.

Where formal insolvency work or the appointment of an insolvency practitioner is required, the relevant work must be undertaken by an appropriately licensed insolvency practitioner.

The insolvency practitioner is independently responsible for their professional advice, statutory duties, decisions, appointments and conduct. Stop Your Debt UK does not control the exercise of an insolvency practitioner's statutory or professional functions.

Under the Debt Respite Scheme in England and Wales, a Breathing Space can only be started by a debt advice provider authorised by the Financial Conduct Authority to offer debt counselling, or by a local authority where it provides debt advice to residents.

Where a client may wish to explore Breathing Space, Stop Your Debt UK may provide general information about the scheme and help coordinate access to an appropriate authorised debt advice provider where required.

Eligibility, suitability, the inclusion of particular debts and the commencement or continuation of a Breathing Space are not determined by Stop Your Debt UK where those decisions fall to the authorised debt advice provider or other relevant authority.

Whether a debt is legally enforceable, whether a personal guarantee is valid or enforceable, whether a court judgment can be challenged or set aside, and what procedural or legal response should be made can depend upon the individual facts, documents, evidence and applicable law.

Stop Your Debt UK may help organise relevant documents, correspondence and factual information and may assist with permitted administration and case coordination. Where legal advice, regulated debt advice or specialist representation is required, the matter should be referred or introduced to the appropriate professional.

Nothing published on the Stop Your Debt UK website, within a guide, through LetterChekr™, in general correspondence or in other educational material should be treated as a guarantee that a debt, judgment, guarantee or enforcement action can be removed, cancelled, reduced, avoided or successfully challenged.