Clear information about using the Stop Your Debt UK website, our digital services and the information we provide.
These terms explain the basis on which you may use this website and important limitations relating to its content and services. They should be read alongside our Legal & Regulatory Disclaimer and any applicable privacy information.
Stop Your Debt UK provides information intended to help people understand debt, creditor, court and financial situations more clearly.
By using this website, you agree to use its content and services lawfully and acknowledge that general website information cannot replace advice based on the full facts of an individual case.
Content on this website is provided for general information and educational purposes. It is designed to explain common debt, creditor, court, enforcement and business financial-difficulty topics in a clearer way.
Website content should not be treated as legal advice, regulated debt advice, financial advice or insolvency advice specific to your circumstances.
Stop Your Debt UK is not a law firm and is not authorised by the Financial Conduct Authority to provide regulated debt advice.
Where your circumstances require legal advice, regulated debt advice, formal insolvency work or another regulated professional service, an appropriately authorised professional should provide that service.
We aim to keep website information clear and accurate, but laws, court procedures, eligibility rules, fees, thresholds and official guidance can change.
We may therefore update, amend, replace or remove website content without notice. You should check current official information or obtain appropriate professional advice where your decision depends on a current legal or regulatory position.
Using this website, contacting Stop Your Debt UK or submitting correspondence through one of our services does not suspend or extend a legal, court, creditor or insolvency deadline.
If a document contains a deadline or your situation is urgent, you should take appropriate action promptly and seek professional advice where required.
Any professional relationship with a solicitor, regulated debt adviser, licensed insolvency practitioner or other third-party professional is subject to that professional's own engagement, regulatory obligations and terms.
Some parts of the Stop Your Debt UK service use digital tools, while some situations require support from independent authorised professionals.
It is important to understand the difference between information or administrative support provided by Stop Your Debt UK and professional services provided by third parties.
LetterChekr™ is designed to provide a structured plain-English explanation of supported correspondence and to highlight information contained within the document.
Its output is general information. It does not determine whether a debt or document is legally valid and does not provide legal advice, regulated debt advice or a professional opinion on what you should do.
Where regulated debt advice, legal advice, insolvency work or another specialist service is required, Stop Your Debt UK may help connect or refer you to an appropriately authorised professional.
Those professionals operate under their own regulatory responsibilities, professional obligations, engagement terms and service arrangements.
Our website may contain links to government websites, professional organisations, service providers or other third-party resources for convenience or further information.
Unless expressly stated otherwise, external websites and services are operated independently. Their content, availability, security, privacy practices and terms are controlled by the relevant third party.
Do not rely on LetterChekr™ to calculate, suspend or extend a legal deadline. If correspondence refers to a court date, response period, statutory demand, enforcement action or another time-sensitive matter, the original document and any applicable official procedure remain important. Appropriate professional advice should be obtained where required.
Any professional engagement is subject to the relevant professional's own terms, responsibilities and regulatory requirements. You should review those terms before instructing or engaging them.
We want the basis on which this website and our digital services are used to be clear.
The following provisions cover personal information, intellectual property, reasonable limitations relating to website use and the legal framework applying to these terms.
Where you provide personal information through this website, an enquiry form, LetterChekr™ or another Stop Your Debt UK service, that information will be handled in accordance with applicable data-protection requirements and our relevant privacy information.
Please avoid submitting information that is unnecessary for the service you are using. Where information needs to be shared with an appropriate professional in connection with your matter, the applicable process and permissions should be followed.
Unless otherwise stated, the website design, written content, branding, graphics, guides and other original materials published by Stop Your Debt UK are protected by applicable intellectual property rights.
Content may be viewed and used for personal, lawful purposes. It must not be reproduced, republished, sold or commercially exploited without permission where such permission is required.
We aim to keep the website and digital services available and useful, but we do not guarantee that they will always be uninterrupted, error-free or continuously available.
To the extent permitted by law, Stop Your Debt UK is not responsible for loss arising solely from reliance on general website information where professional advice should reasonably have been obtained. Nothing in these terms excludes or limits liability where it would be unlawful to do so.
We may update these terms where our website, services, technology, legal requirements or operating arrangements change. The version published on this website will apply from the date it is made effective.
If a material change affects a service you are already using, any additional notice required by law or by the applicable service terms will be provided where necessary.
These website terms are governed by the laws of England and Wales. Subject to any mandatory rights or jurisdiction available to you under applicable consumer law, disputes relating to these website terms are subject to the jurisdiction of the courts of England and Wales.
Nothing on this page overrides any statutory rights that cannot lawfully be excluded or restricted.
Questions about these terms can be sent to [email protected] or discussed with our team on 020 3432 0801.