We think you deserve to know exactly how this service works and how it is funded, so you can trust the guidance you read here. Here is the plain version.
Last reviewed: [date]
You never pay us anything to use this site, read our guides, or submit an enquiry. There is no charge to you, and no obligation to go ahead with anything.
We provide clear, balanced information about IVAs and the alternatives, and, if you ask us to, we can introduce you to [a licensed Insolvency Practitioner or regulated debt advice provider] who may be able to advise on or set up an IVA. We are not the Insolvency Practitioner, and an IVA can only be set up by a licensed one.
[Explain your funding model here in plain terms, for example a fixed fee for a service provided to a regulated partner. State it clearly and make sure it complies with FCA rules.]
We comply with the Financial Conduct Authority’s rules on debt advice, including the rules that restrict debt packagers from receiving referral fees or commission linked to recommending a particular debt solution. Our funding does not change the guidance we give you.
Because an IVA is not right for everyone, we will always tell you when another option may suit you better, and we signpost free, impartial advice on every page. We would genuinely rather you chose the right solution than any particular one.
You can always get free advice from MoneyHelper, StepChange, National Debtline, Citizens Advice, and, in Northern Ireland, Debt Action NI. See our contact page for details.