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Terms and Conditions

These Terms and Conditions cover Help with Debt Consolidation. This is a trading name of Jellyfish Online Marketing Limited of Jellyfish House, 31 London Road, Reigate, Surrey, RH2 9SS.

The Website also offers a generic information service whereby Help with Debt Consolidation collect and source data from third parties and provide this information to You either as received by us or as a reasonable likeness of the original data which is easier to read or presented as statistical data.

These terms and conditions ("Terms") apply to all and any use of the Website.

IVA Calculator

The IVA Calculator provides examples for illustration purposes only and demonstrates what may be possible with an IVA in relation to a person's level of debt and the minimum monthly payment creditors may be willing to consider for an IVA to be a viable debt solution. Payments into an IVA will typically be set to the level of affordability for each individual.

Please bear in mind that in most cases of an IVA/PTD that creditors will be prepared to write off no more than 70% of a debt and in some cases 60%. And, that not everyone will be able to achieve the stated write off.

The 'savings' or monthly payment reductions to be made by rescheduling debts is dependent on creditors. Creditors are not obliged to agree to a debt management plan, or freeze interest and charges. Please note that rescheduling debts will usually lead to:

  • An increase in the total sum to be repaid
  • An extended repayment period
  • Impairment of the consumers credit rating

The calculator does not claim or imply that it is 'guaranteed'. Nor does it claim that creditors will 'write off' a given percentage of a consumer's debt under an IVA/PTD without clarifying the conditions that need to be adhered to.

It is not all encompassing, nor is it definitive as it does not take into account individuals' varying circumstances. It does not guarantee IVA payments for any particular debt level, or take into account the introduction of equity which may be required. A full assessment will need to be undertaken by a qualified adviser to understand an applicant's circumstances. Using the information provided, the adviser will then explain the options for the applicant's consideration.

Help with Debt Consolidation accept no liability for any reliance placed on the results provided by the IVA Calculator. Should you choose to rely on the information provided without seeking further advice then this is done so entirely at your own risk.

To speak with an adviser call 0808 163 9579

Requirements from you

By using the Website you undertake that you are over 18 years of age.

By using the Website you agree to be bound by these Terms.

If you do not accept these Terms you should not use the Website.

Help with Debt Consolidation may make alterations to these terms and conditions from time to time and these variations shall become effective immediately upon being accessible from here.

By using the Website you undertake that you have the necessary hardware, software and capability required for email and web usage with all and necessary adequate protections in place.

The Website

What we do

Help with Debt Consolidation will provide generic information to assist you in your search for a service provider or in considering a product category. Where information is available to us we may advise some generic details.

This information is provided for assistance only and is not intended to be construed as advice nor is such information a personalised representation directed at your specific needs or circumstances.

Third party firms

If you tell us what you are interested in then Help with Debt Consolidation will try to introduce you to a third party Partner who we think will be able to help you. That is our aim and that introduction will only be at your request. We will try to make that introduction a general match to your request. That introduction is made in good faith. Help with Debt Consolidation does not and cannot provide any guarantee or warranty that the third party Partner we introduce you to will be able to meet your unique needs or your exacting standards.

Help with Debt Consolidation may validate some of the data you give us to check that an address or telephone number conform to the normal format for such data. This is to avoid contact failures due to simple typos. Help with Debt Consolidation may vet that the service or product you are interested in is one offered by the arranger we introduce you to.

If Help with Debt Consolidation say something on our web site about a Partner or the panel of Partners then Help with Debt Consolidation will have taken basic steps to check those details as far as possible. Checks are only taken at certain times and Help with Debt Consolidation provides no guarantee that a Partner will not make changes to their business format.

Help with Debt Consolidation will advise you of the Partner who will be making contact with you.

Third party websites with links from the Website have not been verified or reviewed by Help with Debt Consolidation and use and access of such third party websites is made at your own risk.

Our obligation to you

You acknowledge and agree that Help with Debt Consolidation do not act in any way as your agent or as the agent for any of the third party Partners and services featured on the Website. Help with Debt Consolidation does not commit you to using any third party Partner service represented on the Website and any third party service you use or any product or service you purchase from a third party you do so at your own discretion and based on your own judgment.

Once Help with Debt Consolidation has matched and transmitted your request for contact Help with Debt Consolidation is no longer under any obligation to you

Help with Debt Consolidation and/or third party Partners may send you emails about the service you have shown interest in on the Website and other financial services handled by or through Help with Debt Consolidation.

By submitting or inputting your details on the Web site you agree that You are interested in those subjects and would like to be contacted about those subjects.

If at any time you wish to unsubscribe to any emails advising of other products handled by Help with Debt Consolidation or other third party Partners then you can contact us by using the unsubscribe link. This link can also be found on the privacy policy page and the contact details on our web site.

All email communications sent by Help with Debt Consolidation and third party Partners and attachments thereto are intended only for the addressee and/or others authorised to receive them.

Usernames, e-mails and communications

Any username and password issued to you is personal to you in order to facilitate your access to the Website and shall not be disclosed to any third party without Help with Debt Consolidation's prior written consent.

All email communications sent by Help with Debt Consolidation and attachments thereto are intended only for the addressee and/or others authorised to receive them.

Help with Debt Consolidation makes no warranties nor can it assume any responsibility for:

  • the quality of service offered by any third party Partner featured on the Website
  • the content of any third party Partner website that links from the Website.

Information displayed on our website

Where Help with Debt Consolidation displays information on the Website that information will have been obtained and displayed in good faith.  Whilst Help with Debt Consolidation uses reasonable efforts to obtain information from reliable sources such information is intended as generic information only. If you wish to rely on certain information as being applicable to your unique needs then you must take this up with the arranger you are introduced to.

Your personal information


Any information You provide us with or which we retrieve about you will be handled as per our privacy policy.

By using this website you agree to the Help with Debt Consolidation privacy policy.

Third party partners

By submitting your details on the Website, Your details will automatically be transferred to a third party partner company. In submitting Your details You agree that You are giving an active invitation as required by the Privacy and Electronic Communications (EC Directive) Regulations 2003 to receive a call from a third party partner company.

The third party partner company will either be named on our web site whether individually or as part of a panel or You will be informed of the name of the third party partner company to whom your details have been transferred before you receive the call, and the subject of the call will always be related to the products/subjects displayed on the Website.

Submitting details

By submitting your details, you give Help with Debt Consolidation (or a company on behalf of Help with Debt Consolidation) authority to contact you using your contact details with regards to other products and services provided by or through Help with Debt Consolidation unless we are otherwise informed.

If you provide personal or sensitive data about any other person then you agree that you will obtain all necessary authorisations from them to provide such data.

You agree that Help with Debt Consolidation may use another third party to transmit your details to an arranger. We use tracking images in HTML-based emails in order to identify if an email has been opened. This allows us to evaluate how effective our communications are.

Financial information

Use of information

Help with Debt Consolidation is a company engaged in the provision of introduction to financial services in relation to debt solutions.  Help with Debt Consolidation's aim is to provide generic information that may be of assistance to those seeking debt solution services.  Help with Debt Consolidation will then use information provided by you to introduce you to an arranger who deals in the service you have shown interest in.  Help with Debt Consolidation carries out this service using information provided to it by others.  Help with Debt Consolidation will not charge you for this service and any match between your needs and the services offered by a Partner is done in good faith.

Financial advice

No financial information featured on the Website or accessed by you as a result of a link displayed on the Website is intended or considered to be financial advice offered by Help with Debt Consolidation.

Help with Debt Consolidation is authorised and regulated by the Financial Services Authority in relation to debt solutions.  Help with Debt Consolidation advises that when looking at any financial product or service you read the terms of that product carefully and if you are in any doubt as to its meaning or effect that you seek qualified independent financial advice.

Third parties

Help with Debt Consolidation cannot accept any responsibility for any issues arising as a result of your communication or contract with any third party partner present on the Website. Those terms are entirely separate to these Help with Debt Consolidation Terms and Conditions. Before you enter into any agreement with a third party partner we recommend that you read their terms and Conditions very carefully and seek independent advice where necessary.

Help with Debt Consolidation may receive commission or fees as a result of your use of the services of third party partners featured on the Website. We do not charge you for the services that we offer. Once the introduction has been made Help with Debt Consolidation has fulfilled its obligations and is no longer involved after that point and has no continued responsibility to you after that point.

To the extent permitted by law Help with Debt Consolidation exclude liability for an inaccuracies present on the Website.
Intellectual Property Rights, Copyright and Trade Marks

Intellectual property rights, copyright and trade marks

Our website

You may download and use the Website for your private, non-commercial, personal use only, provided that you retain all copyright notices and other proprietary notices contained on the Website. You may not sub licence or deal in this right without Help with Debt Consolidation's prior written permission.

Use of the site

No person other than the rightful owner or licensee of such Intellectual Property Rights may:

  • hack, attempt to hack, distribute, modify, transmit, re-use, re-post, or use any or all of the Website or the information contained therein for any purpose other than as set out above nor for public or commercial purposes without Help with Debt Consolidation's or the relevant licensee's prior written permission;
  • provide hypertext links, URL Links, graphic links, hyperlinks or other direct connection for profit or gain to the Website without Help with Debt Consolidation's prior written permission;
  • display, publish, copy, print, post or otherwise use the Website and the information contained therein for the benefit of any other website without Help with Debt Consolidation's or the relevant licensee's prior written permission;
  • process or otherwise use the information contained on or within the Website for any illegal or immoral purpose nor use or process the same unfairly. 


All copyright, design rights, database right, patents, and any rights to inventions, know-how, trade and business names, trade secrets and trade marks (whether registered or unregistered) and any applications therefore ("Intellectual Property Rights") in the Website belong to and vest in Help with Debt Consolidation, or are licensed to Help with Debt Consolidation unless otherwise specified.  All such rights of Help with Debt Consolidation are hereby asserted and reserved.


Help with Debt Consolidation provides and maintains the Website to help you get a basic understanding of financial service products, to assist you by providing generic information about certain financial services products and to assist you in finding a financial service provider. Help with Debt Consolidation sources the information provided from third parties partners and shall be liable only to provide its services with reasonable skill and care and gives no other warranty in connection with the Website.

Subject as aforesaid, to the maximum extent permitted by law, Help with Debt Consolidation excludes liability for any loss or damage of any kind howsoever arising, including without limitation any direct, indirect, punitive or consequential loss whether or not such arises out of any problem you notify to Help with Debt Consolidation and Help with Debt Consolidation shall have no liability to pay any money by way of compensation, including without limitation all liability in relation to:

  • any incorrect or inaccurate information on the Website to the extent that such information has been displayed generally as provided to Help with Debt Consolidation or is an approximation or statistical representation of information provided to Help with Debt Consolidation.
  • all interruptions to or delays in updating the service;
  • the infringement by any person of any Intellectual Property Rights of any third party caused by their use of the Website;
  • any amount or kind of loss or damage due to viruses or other malicious software that may infect a user's computer equipment, software, data or other property caused by persons accessing, using or downloading the Website, or from transmissions via emails or attachments received from Help with Debt Consolidation or its licensees;
  • the availability, quality, content or nature of the other sites on the internet that are owned and operated by third parties ("External Sites") to which the Website link and web site located on or through any External Site nor for any transactions involving External Sites (including as to 'cookies', personal data, confidential information, or purchases of domain names or other services). You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links, web site or transactions;
  • all representations, warranties, conditions and other terms which but for this notice would have effect. 

These terms above shall not limit any rights you might have as a consumer that may not be excluded under applicable law or regulation nor shall it exclude or limit Help with Debt Consolidation's liability for death or personal injury resulting from its negligence nor any fraudulent representation.

Help with Debt Consolidation have used all reasonable efforts to ensure that all information provided by it is accurate and accords with current standards however it cannot account for the accuracy of information provided to it by others or posted by users of the Website. 

However it is agreed, acknowledged and understood that:

  • The Website and all the services contained within are provided as an informed introduction service only and are not intended or held out to replace or represent appropriate financial advice;
  • Financial advice and the financial markets are constantly evolving and Help with Debt Consolidation cannot guarantee that all of the information displayed on the Website is completely up-to-date;

Use of the website

The Website is to be used solely for private, non-commercial, personal purposes only. Accordingly, you undertake not to:

  • use the Website for any commercial or business purpose;
  • use your access to the Website, or information gathered from it, for the sending of unsolicited bulk email.


Help with Debt Consolidation shall be entitled to terminate this Agreement and immediately remove, cancel or suspend access to and use of the Website upon your breach of any part of these Terms whatsoever.

Termination shall be without prejudice to the accrued rights of either party.

Help with Debt Consolidation will not be liable in any amount for failure to perform any obligation under this agreement if such failure is caused by the occurrence of any unforeseen contingency beyond the reasonable control of such party including without limitation Internet outages, communications outages, fire, flood, war or act of God.


Except as provided above there are no other warranties, conditions or other terms, express or implied, statutory or otherwise, and all such terms are hereby excluded to the maximum extent permitted by law (but subject to your statutory and common law consumer rights).

All questions, comments or enquiries should be directed by email to info@helpwithdebtconsolidation.co.uk or by post to Help with Debt Consolidation, 31 London Road, Reigate, Surrey, RH2 9SS

Help with Debt Consolidation acts as principal on its own account and not as agent for you or any other person. Help with Debt Consolidation is under agreement to provide financial services introductions to a third party partner.  

If Help with Debt Consolidation does not enforce any provision of this agreement such will not be considered a waiver of any provision or right.

In the event that any part of these terms and conditions is held to be unenforceable, such part will at Help with Debt Consolidation's option be construed as far as possible to reflect the parties' intentions and the remainder of the provisions will remain in full force and effect.

These terms and conditions constitute the entire agreement between you and Help with Debt Consolidation and shall apply to the exclusion of all other terms or conditions of contract which you may purport to propose.

Use of Help with Debt Consolidation and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licences and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.

It is hereby asserted that the Website is intended for and directed at the UK and no representation or warranty is made as to whether the Website complies with the regulatory regime and local laws of any other countries.