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free uk bank/lender debt dispute advice free practical debt dispute help to resolve debt complaints & disputes with uk lenders (banks, building societies & finance companies) including arbitration, liaising with ombudsman/arbitrator/mediator & solicitors-also any dispute research carried out on request. home page about debtwise lending problems ombudsman schemes dispute/claim/liability free debt counselling assessment form initial assessment and debt dispute help service time cost free. please e-mail [email protected] (see about debtwise for background). debtwise is an altruistic practical advice service and has no association with claim management companies. the aim is to provide time cost free* help to those persons with genuine grievances. areas covered lenders taking unfair action? endowment mortgage shortfall? help with complaints lending problems and disputes? lenders bank disputes and all lending complaints where debts are disputed or where problems are encountered, taking action to recover debts which are disputed (note: practical, not legal advice can be provided), taking action against security held which is disputed, lenders making mistakes which they are reluctant/refuse to rectify. assisting with complaints to the financial ombudsman service http://www.financial-ombudsman.org.uk/consumer/complaints.htm for the financial ombudsman newsletter about recent cases see http://www.financial-ombudsman.org.uk/publications/ombudsman.htm old mortgage debt : assessing all circumstances regarding..the giving of security including where security has been obtained under pressure-where a liability alleged is disputed- guarantees-signing of mandates-old mortgage debt which lenders are trying to recover-endowment mortgages where there is a shortfall (email [email protected] for help sheet on old mortgage debt and financial ombudsman service). matrimonial and family disputes : assessing the implications of partnership/matrimonialfamily disputes with regard to lenders individual voluntary arrangement (iva) : information provided with reference points (email [email protected] for info sheet) personal protection insurance (ppi) disputes : information reference points provided. if you did not need ppi reclaim premium (email [email protected] for info sheet with links to draft template letter help- do not pay for dispute firms to claim! ) also see below info. october 2017 financial ombudsman update http://www.financial-ombudsman.org.uk/publications/ombudsman-news/142/142.html interest rate hedging products: see financial conduct authority advice: http://www.fca.org.uk/consumers/financial-services-products/banking/interest-rate-hedging-products bank charges - see below. complaints against debt collectors/breaches in oft (now fca) debt collection practice : email [email protected] complaints about insolvency practitioners: feedback sought following the introduction of insolvency complaints gateway october 2015 lost accounts - where an old account cannot be traced, see free service http://www.mylostaccount.org.uk/ (do not give up if a bank/building society says an account cannot be traced. it is important to make sure you get annual statements on any account though and not rely on old passbooks which have all been phased out). email [email protected] if further help needed. payday lenders: this is a controversial area. govan law centre have a guide http://govanlc.blogspot.co.uk/2013/07/how-to-tackle-payday-lenders-glcs-new.html and http://www.govanlc.com/pdlsg.pdf . anyone with a payday loan and is in dispute/unable to pay is strongly recommended to read the guide. sample letters are included by glc. payday lenders are obliged to comply with oft debt collection guidance. please see free debt counselling page for further information. oft payday lenders research- carried out into other areas of disputes with any company/organisation on the basis information available online aims and objectives to provide time cost free practical debt help advice to individuals, partnerships, small businesses and limited companies in dealing with debt problems and debt disputes with lenders - bank disputes especially. to challenge action taken by lenders which the client feels is unjustified and try and reach an amicable commercial settlement to assist the client drafting correspondence and/or deal directly with the lender/ombudsman/arbitrator/solicitor. should no progress be made then alternative dispute resolution or formal mediation can be considered as a way of trying to resolve a dispute. debtwise is a free practical debt help not legal advice service. any advice given is without prejudice and without liability at all times (see about debtwise for background) debtwise does not support claims management companies which focus on technical legal issues. if you want more information about debtwise please do not hesitate to email [email protected] . please note that any references to the office of fair trading (oft) and financial services authority (fsa) need to be linked to the financial conduct authority (fca) taking over much of the oft/fsa role from 1 april 2014. the website links to the oft/fsa still work, and this information does not appear on the fca website. the fca website consumer reference point is http://www.fca.org.uk/consumers links : please note that information re links is given without any liability. the information is intended to be helpful. debtwise cannot provide debt counselling or debt adjustment in line with the strict fca requirement. the aim of the help service is to deal with disputes. please see free debt counselling webpage for information on organisations who provide debt counselling financial conduct authority: consumer guide http://www.fca.org.uk/consumers when looking for any guidance start here. consumer rights act 2015 : as from 1 october 2015 the consumer rights act 2015 affects many aspects of goods/purchases/faults/remedies. looking at google, which? have details which are available http://www.which.co.uk/consumer-rights/regulation/consumer-rights-act including video on returning faulty products. the link to the citizens advice page is https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/citizens-advice-consumer-work/the-consumer-rights-act-2015/ (there is also cab reference to alternative dispute resolution https://www.citizensadvice.org.uk/documents/advice%20factsheets/consumer%20affairs/c-alternative-dispute-resolution.pdf ) bank charges complaints . govan law centre (based in govan, scotland) has useful information on many consumer issues including bank charges. http://www.govanlc.com/bankcharges.html (note although govan law centre is based in scotland and refers to law in scotland, the advice provide by them on many subjects applies to england & wales). money saving expert (martin lewis) has regular update advice for those wishing to reclaim bank charges for hardship reasons http://www.moneysavingexpert.com/reclaim/bank-charges-hardship and http://www.moneysavingexpert.com/reclaim/oft-bank-charges http://www.moneysavingexpert.com/reclaim/bank-charges payment protection insurance: claim yourself after looking what to do! for information see the financial conduct authority website on how to claim: http://www.fca.org.uk/consumers/financial-services-products/insurance/payment-protection-insurance/claim-ppi this is a step by step. other information is available: guardian article http://www.guardian.co.uk/money/2010/sep/04/mis-sold-ppi-how-to-claim also http://www.guardian.co.uk/money/2011/apr/23/ppi-compensation-claim?intcmp=srch and moneymadeclear http://www.moneymadeclear.org.uk/products/insurance/payment_protection.html . the facts about ppi are covered in a free downloadable guide called 'just the facts about insurance'. the financial ombudsman service guidance on ppi is at http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html with an update in october 2017 http://www.financial-ombudsman.org.uk/publications/ombudsman-news/142/142.html interest rate hedging products: insurance may have been mis-sold to some small to medium size business to protect for interest rate increases. the fca have covered this in detail. see http://www.fca.org.uk/consumers/financial-services-products/banking/interest-rate-hedging-products for info sheet email [email protected] card protection policies: card protection insurance has possibly been mis-sold. if you took out a policy through a cpp policy then it would appear the company will be writing to you. see the financial conduct authority website http://www.fca.org.uk/news/consumer-redress-agreed-for-mis-sold-cpp-insurance . do not use a claim company without considering alternatives. complain to the card company, ask for details of their complaints policy, keep copies of all letters and if no progress consult with financial ombudsman service. see http://www.guardian.co.uk/money/payment-protection-insurance claim management companies : if an individual wishes to use a claim management company (which normally gives free advice but will charge for success in any claim) please ensure any claim handling company is regulated by the ministry of justice at www.claimsregulation.gov.uk . the ministry of justice have guidance on how consumers should complain http://www.justice.gov.uk/claims-regulation/information-for-consumers/how-to-complain it is not recommended that claim management companies are used for ppi claims as there is sufficient online guidance to make a claim without cost. consumer credit act agreements : there is a lot of forum comment regarding possible unenforceability of cca agreements and claim companies offer to look at an agreement (normally for a fee). there is ongoing legal work concerning the validity of cca agreements where a lump sum has been added up front or incorrect interest has been quoted. debtwise strongly recommends that great care be taken before paying a fee for a cca agreement to be 'checked'. if anyone has any views please feel free to email [email protected] in order that information can be shared. see above regarding changes from 1 october 2015 in consumer rights act 2015 https://www.gov.uk/government/publications/consumer-rights-act-2015/consumer-rights-act-2015 the cab have advice online https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/your-rights-when-you-borrow-money/ ministry of justice . ppi re-claim companies are regulated by the ministry of justice. the moj website has information on regulation/fees and consumer facts. http://www.justice.gov.uk/claims-regulation general advice : money saving expert ...martin lewis who often appears on tv http://www.moneysavingexpert.com/banking/ provides free financial guidance and has a mailing list. compares credit card offers and rates and is helpful to those searching for a better financial deal. free advice service the money advice service: http://www.moneyadviceservice.org.uk/ free government sponsored service hm government debt management online help 'options for dealing with your debts' https://www.gov.uk/pay-off-debts where to get free debt advice https://www.moneyadviceservice.org.uk/en/tools/debt-advice-locator consumer advice : the cab national helpline https://www.adviceguide.org.uk/ 03454 04 05 06. also www.whatconsumer.co.uk has information about consumer related issues, including consumer credit act rights, debt management and debt collectors. counselling : to find a counsellor to go through personal problems, which may be associated with debt or other problems, the counselling directory may be able to help. http://www.counselling-directory.org.uk/debt.html search google : www.google.co.uk free search engine submission and placement services! google sitemap

URL analysis for debtwise.co.uk

http://www.debtwise.co.uk/ror.xml
http://www.debtwise.co.uk/aboutdebtwise.htm
http://www.debtwise.co.uk/assessmentform.htm
http://www.debtwise.co.uk/index.htm
http://www.debtwise.co.uk/mailto:[email protected]
http://www.debtwise.co.uk/disputesclaimsliabilities.htm
http://www.debtwise.co.uk/freedebtcounselling.htm
http://www.debtwise.co.uk/robots.txt
http://www.debtwise.co.uk/sitemap.xml
http://www.debtwise.co.uk/lendingproblems.htm
http://www.debtwise.co.uk/ombudsmanschemes.htm
mylostaccount.org.uk
claimsregulation.gov.uk
consumerdirect.gov.uk
moneymadeclear.org.uk
justice.gov.uk
moneyadviceservice.org.uk
whatconsumer.co.uk
gov.uk
citizensadvice.org.uk
counselling-directory.org.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
debtwise.co.uk

Registrant:
IAN YARWOOD

Registrant type:
UK Individual

Registrant's address:
21Ashlands
FRODSHAM
CHESHIRE
WA6 6RG
United Kingdom

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 24-May-2016

Registrar:
Plusnet Plc t/a Madasafish Broadband [Tag = MADASAFISH]
URL: http://www.madasafish.com

Relevant dates:
Registered on: 14-Oct-1999
Expiry date: 14-Oct-2019
Last updated: 20-Sep-2017

Registration status:
Registered until expiry date.

Name servers:
ns1.force9.net
ns2.force9.net

WHOIS lookup made at 11:20:10 01-Jan-2018

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2018.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS debtwise.co.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION IAN YARWOOD

TYPE
UK Individual

ADDRESS
21Ashlands
FRODSHAM
CHESHIRE
WA6 6RG
United Kingdom
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 24-May-2016

DOMAIN

  SPONSOR Plusnet Plc t/a Madasafish Broadband [Tag = MADASAFISH]

  CREATED 1999-10-14

  CHANGED 2017-09-20

STATUS
Registered until expiry date.

NSERVER

  NS1.FORCE9.NET 195.166.128.16

  NS2.FORCE9.NET 195.166.128.17

  NAME debtwise.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2018.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

Mistakes

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