Privacy policy
How UK Debt Centre collects, uses and protects your information.
1. Introduction
UK Debt Centre is operated by My Debt Help Ltd (company number 15590517), registered at Eurogate Business Park, Unit 1, Ashford, Kent, England, TN24 8XW. My Debt Help Ltd is the data controller responsible for your personal data.
UK Debt Centre is operated by My Debt Help Ltd who are not authorised to provide debt advice. Upon completion of our form your details will be passed to one of our authorised debt solution partners who will review your financial situation, explain the available options and recommend a debt solution which is suitable for you. We will be paid for introducing you or for the preparatory work we do, depending on your debt solution fees may be payable if ongoing services are provided.
We are committed to protecting your privacy and ensuring that your personal information is handled in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Our Data Protection Registration number is ZB674528.
This privacy policy explains what information we collect about you, how we use it, who we share it with, and the rights you have in relation to your data.
2. Information We Collect
We may collect and process the following categories of personal data:
Personal identification information
- Full name, date of birth, and gender
- Home address and previous addresses
- Email address and telephone number(s)
- Marital status and number of dependants
Financial information
- Details of your debts, creditors, and account numbers
- Income and employment details
- Monthly expenditure and household budget
- Bank account details (for payment arrangements)
- Credit file information
Technical and device data
- IP address and browser type
- Device information and operating system
- Pages visited and time spent on our website
- Referral source and navigation paths
- Cookie data (see our Cookie Policy for more details)
Special category data
In some cases, you may provide us with information about your health or other special category data where it is relevant to your financial circumstances. We will only process this data with your explicit consent or where it is necessary for reasons of substantial public interest.
3. How We Use Your Information
We use your personal data for the following purposes:
- To understand your financial situation well enough to introduce you to a suitable authorised debt solution partner
- To pass your details to that partner, who will review your circumstances and advise you on the options available
- To communicate with you about your enquiry
- To comply with our legal and regulatory obligations
- To improve our website and services
- To send you relevant information about our services where you have consented
Legal basis for processing
We rely on the following legal bases:
- Contract: Processing is necessary for the performance of a contract with you, or to take steps at your request prior to entering into a contract.
- Legal obligation: Processing is necessary to comply with our legal obligations, including those under data protection law.
- Legitimate interest: Processing is necessary for our legitimate interests, such as improving our services and preventing fraud, provided these interests are not overridden by your rights.
- Consent: Where you have given us specific consent, for example to receive marketing communications or to process special category data.
4. Who We Share Your Data With
We may share your personal data with the following categories of third parties:
- Debt solution partners: The authorised debt solution provider we introduce you to. They will review your financial situation, explain the available options and recommend a solution. We are paid for that introduction. Once your details are passed to them, they will handle your data under their own privacy policy as a separate data controller, and they will tell you who they are.
- Insolvency Practitioners: If you go on to enter a formal arrangement through a partner, the licensed Insolvency Practitioner appointed as nominee or supervisor of that arrangement. We do not employ an Insolvency Practitioner ourselves.
- Your creditors: Where a partner negotiates with them on your behalf and administers your debt solution.
- Credit reference agencies: To verify your identity and obtain information about your financial circumstances.
- Regulatory bodies: Including the Insolvency Service, Financial Conduct Authority (FCA), and the Insolvency Practitioners Association (IPA).
- IT and service providers: Who help us operate our systems and deliver our services, under strict data processing agreements.
- Professional advisers: Including lawyers, auditors, and accountants where necessary.
We will never sell your personal data to third parties for marketing purposes.
5. Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected. Specific retention periods include:
- Enquiries passed to a partner: Six years from the date we introduce you, so that we can evidence the introduction and handle any later query or complaint about it. Your partner retains your data separately, for their own periods, under their own privacy policy.
- Enquiries that do not proceed: Up to three years from the date of your last contact with us.
- Marketing data: Until you withdraw your consent or for up to two years from your last interaction with us.
- Website analytics data: Up to 26 months.
After the applicable retention period, your data will be securely deleted or anonymised.
6. Your Rights
Under UK GDPR, you have the following rights in relation to your personal data:
- Right of access: You can request a copy of the personal data we hold about you.
- Right to rectification: You can ask us to correct any inaccurate or incomplete data.
- Right to erasure: You can ask us to delete your personal data in certain circumstances.
- Right to restrict processing: You can ask us to limit how we use your data.
- Right to data portability: You can request a copy of your data in a structured, machine-readable format.
- Right to object: You can object to our processing of your data where we rely on legitimate interests.
- Right to withdraw consent: Where processing is based on consent, you can withdraw it at any time.
To exercise any of these rights, please contact us using the details in Section 9 below. We will respond to your request within one month.
If you are not satisfied with how we handle your request, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.
7. Cookies
Our website uses cookies to improve your experience and help us understand how our site is used. For full details of the cookies we use and how to manage them, please see our Cookie Policy.
8. International Data Transfers
We primarily store and process your data within the United Kingdom. Where we use service providers that may transfer data outside the UK, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or transfers to countries with an adequacy decision, to protect your personal data to the same standard as under UK GDPR.
9. Contact Us
If you have any questions about this privacy policy or wish to exercise your data protection rights, please contact us:
- By post: Data Protection, My Debt Help Ltd, Eurogate Business Park, Unit 1, Ashford, Kent, England, TN24 8XW
- By email: [email protected]
- By phone: 0161 854 0850
10. Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by publishing the updated policy on our website.
Last updated: February 2026