Terms & Conditions

In order to comply with the requirements of the Office of Fair Trading (OFT), you understand that 4me Solutions does not collect data, nor provide advice, contact details or information in respect of any debt counseling or any kind of debt advice. We provide access to and host forms that are provided by approved and regulated third party companies in order that you may make contact with regulated Debt Advisers, but we make no recommendation, assume no liability or responsibility for the accuracy, completeness or otherwise of the services provided by such companies.

Your debt counsellor will focus on your situation and understand that stability in your finances is one of the keys to you living a stress free life. You will find that your advisor will always treat you sympathetically, reassure you when dealing with sensitive issues and provide explanations so that you completely understand everything that is happening along the road to financial recovery. The solutions that will be considered may include a debt management program, individual voluntary arrangement (IVA), debt relief order or even bankruptcy if your situation suggests that this may be the best option - It is important that you know that your debt advisor is trustworthy and an expert in solving money problems. Your initial debt advice is provided on a free of charge basis and you are under no obligation, if you decide to use the services suggested, then your debt counsellor will advise of any fees or charges that may apply, these may include a set up fee and/or a monthly fee, rest assured that you will be totally aware of all fees/charges and they will be accepted by you in writing prior to any services commencing.

We take great pride in providing a personal service, throughout your dealings with your debt advisor, you will feel comfortable in the knowledge that you are connected with professional people who are real people and have all the time that you need to feel assured that the right advice will be given, allowing you to make decisions to suit your exact personal circumstances.

We believe that the service provided to you must be non judgmental, reliable and professional at all times and understand that many clients elect to use this type of service as they are at their wits end due to the stress of debt. Our main aim is to connect you with experts to help you to get your debts sorted and get your life back on track as quickly and easily as possible.

Your Protection!

If you have a complaint about the manner in which your debt management company has dealt with you, then you must, in the first instance, address your concerns to the company concerned. Should the matter not be resolved to your satisfaction, please refer the matter to DEMSA, who will help, provided that the dispute in question is covered by their Code of Conduct.

DEMSA has a laid down procedure for handling such complaints and this includes the right of referral to the Financial Ombudsman Service where appropriate. Should you require a copy of the DEMSA Code of Conduct, please contact the General Secretary, DEMSA, West Point, Westland Square, Leeds LS11 5SS, or visit their website www.demsa.co.uk

Tel: 0113 277 7610, Fax: 0113 277 3586.

e-mail: info@demsa.co.uk

Debt Managers Standards Association Limited A company limited by guarantee.

Privacy

Free Debt Advice 4Me is committed to protecting the privacy of the information we obtain from you. Confidentiality is of utmost importance to us, not just your financial information, but any data that you provide. This privacy statement explains what we do with your data and what purposes it may be used for.

We will treat all your personal information as private and confidential except where disclosure is made at your request or with your consent or where we are required by law to disclose. We will continue to hold information about you after your relationship with us has ended, but we will only hold it for as long as we are legally required. We will only use the information you submit on these pages lawfully in accordance with the terms of the Data Protection Act 1998. We will disclose to you, on written request, what information we have on our systems relating to you, how we use it and give you the opportunity to review and correct any information we may hold.

The information we record shall be obtained on each occasion that you access the website and when you use any service featured in the Website. Free Debt Advice 4Me aims to provide a service which meets your individual requirements and needs.
By accessing and using the website you confirm your consent to our collecting and using your information in accordance with this Privacy Statement. If you do not consent to these privacy practices, do not use this site or download any materials from it. Due to the nature of the Internet we cannot guarantee the security of any information you send to us via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information.
We may change the content or services found on our sites at any time without notice and this privacy policy may change at any time in the future. Your continued use of this site shall be considered your consent to any revised privacy practices.

For security and training purposes We may record and/or monitor your use of our website and e-mail and telephone communications between us.

We would like to keep you informed by post and telephone about offers, products and services which may be of interest to you. If you do not want us to do this, please write to Data Removal, Free Debt Advice 4Me, 33 Old Barn Road, Bere Regis, Wareham, Dorset, BH20 7HF. However, you should remember that this will stop us from informing you of our services.

You need to be aware that third party websites which are linked to the website or which you may need to access and use to obtain any third party products or services featured on the Website may contain privacy provisions that differ from this Privacy Statement. Such third parties may use your information differently to the way in which we shall use it.

Where we provide hypertext links to other websites or resources we do so for you to access at your sole discretion. If you choose to click on such hypertext links, you will leave the Free Debt Advice 4Me website and will enter the websites of the third parties who own and/or control them. You acknowledge and agree that Free Debt Advice Helpline are not responsible for the functionality of such hypertext links contained on the Free Debt Advice 4Me website nor the availability of the third party websites to which such hypertext links connect. Additionally, you acknowledge and agree that Debt Help line not verified the content, products, goods, services or any other material of such third party websites.

Therefore, your access and use of such third party websites shall be at your own risk and will be in accordance with the separate terms and conditions of use and privacy policies (including the use of cookies) of such third party websites. To the fullest extent permitted by law, Free Debt Advice 4Me are not responsible or liable for any damage, loss or offence caused or alleged to be caused by or in connection with your access and/or use of such hypertext links or third party websites.

Given that an e-mail message is sent through a number of computers over which we have no control you need to be aware that any message you send to us or we send to you may not be secure, any data contained therein may be intercepted by or otherwise become available to a third party and we cannot guarantee the timescales within which we shall receive your messages or you shall receive our messages. We do not in any way control the information or materials ("Information") contained in e-mail messages. However, we reserve the right (which we may exercise at any time, at our sole discretion and without notice) to delete, move or edit such information. In sending such Information, you waive any moral rights you may have in it.

The debt solutions that will be considered may include a debt management program, individual voluntary arrangement (IVA), debt relief order or even bankruptcy if your situation suggests that this may be the best option - It is important that you know that your debt advisor is trustworthy and an expert in solving money problems. Your initial debt advice is provided on a free of charge basis and you are under no obligation, if you decide to use the services suggested, then your debt counsellor will advise of any fees or charges that may apply, these may include a set up fee and/or a monthly fee, rest assured that you will be totally aware of all fees/charges and they will be accepted by you in writing prior to any services commencing.

FREE DEBT ADVICE, help & information on any topic that we may not have covered within this website, but you require help with is available. Our aim is help you to regain control of your finances, reduce your debt or help you to get out of debt with lower monthly repayments and maybe write off some of your debt to ease the financial pressures that you may be experiencing.

Here are some links to recommended useful websites:

Consumer Credit Council Debt Help | Citizens Advice Bureau Debt Helpline | Government Debt Advice | More Useful Websites and Organisations