Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Administration Order

What is an Administration Order?

An Administration Order is a type of insolvency – similar to Bankruptcy, Individual Voluntary Arrangements and Debt Relief Orders. If you have one, it will remain on your credit report for six years so unlike bankruptcy, you can’t get out of it within 12 months.

Administration Orders are available to those who have a judgment recorded against them, where their debts total no more than £5,000 and where you owe at least two companies. To apply, you must fill in form N92, which is available to download and print from gov.uk. The form requires you to outline your income and how much you can afford to pay, and the court will then decide whether to grant you an Administration Order.

Like other forms of insolvency, the main purpose is to draw a line under your current financial predicament and to protect you from your creditors pressing you for repayment. Once granted, creditors are not allowed to pursue you for debt.

One advantage of an Administration Order is that unlike bankruptcy, there is no up-front fee to pay, but the Courts take 10% of your total debts as a fee, so it’s not entirely free.

Jargon Buster

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