PRIVACY POLICY

HOW WILL YOUR PERSONAL INFORMATION BE USED?

It is only permitted to use personal information where it falls into one or more of the categories below:

It is necessary to enter into or fulfil a contract we have with you. You have provided your consent; we have a legal or regulatory obligation to do so; it is necessary to carry out a task which is in the public interest; it is necessary to protect your vital interests; or it is in our legitimate interest to do so and it is not against your rights. Initial application and advice When you make an application for help or submit a product enquiry, we will use the information your details to provide you with appropriate solutions we may be able to offer. If you cannot provide this information, we may not be able to progress with your application or enquiry.

We may also use this information to contact you about and process your application, including email, text, telephone and written correspondence. We will process the personal data we collect about you for the purposes set out below at purposes for processing your personal data.

After you have made you initial application/enquiry, if you also decide to go ahead with any of the products or services that we offer, the sections below explain how we will also process your data when we provide that particular product(s) or service(s).

In the event that a service that we offer is subsequently provided by another company, is not appropriate, or you do not wish to proceed with it, however, there is another service which we are unable to provide, but work with a third party who is able to provide it, we will collect the information detailed below, to enable us to introduce you to the relevant third party.

Non-Ongoing Services

Where NDH financial Ltd has identified a service that you are interested in proceeding with, but it does not currently offer, or is a service it does provide, however, it is subsequently provided by another company, NDH financial Ltd will pass your details to the relevant third party after obtaining your consent. As part of this process, NDH financial Ltd will be required to collect the below information to enable them to introduce you to the relevant third party. Once you have been introduced to the relevant third party, and decide to proceed with a service provided by them, then they will confirm the information they collect, how they will deal with it, and for how long they will keep it.

What personal data will we need to collect?

To be able to introduce you to the relevant third party we will need to collect certain categories of personal data. This will include:

Contact details:

Your full name, address, contact number, e-mail address etc. This will be needed for the third party to contact you, and provide the relevant service.

Personal and financial details:

Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependents, creditor details (including the names of your creditors, reference numbers and balances), details of any assets you hold and your payment information. We need this to determine if a relevant service is appropriate for you, and then for the third party to do the same, and subsequently provide the service, should you decide to proceed.

Income and expenditure:

Details of your financial position including all sources of income and your household expenditure. We need this to determine the appropriateness of the service you have been referred to.

Special personal data:

In some circumstances we may need to collect special personal data however we will not do so without express consent from you and we will only do so where it is necessary for the purposes of assisting with your financial situation.

Creditor reference agency data:

Call recordings, chat logs and e-mails: When you contact us by telephone, your call may be recorded for training and monitoring purposes. We also keep any e-mail correspondence and online chat logs for the same purposes.

Who will the data be shared with?

In instances were a site user does not qualify for products administered by NDH financial Ltd. these people will be transferred to partners that can best administer a product suitable to the individual that are non-insolvency products.

HOW LONG DO WE KEEP YOUR DATA?

If you do not go ahead with any product or service with us, your personal information will normally be deleted after 12 months unless we have another reason to keep your personal information, for example, if you have given your consent to receive marketing information from us. We will delete your information sooner if you ask us to, as detailed below.

Deleting your information

Should you, for any reason, become concerned the personal information and details we hold about you is incorrect or would like your personal information to be removed from our records, please contact us by email at support@ndhfinancial.co.uk We will be happy to review, update or remove information as appropriate. It’s important to note that we will keep your information unless you ask us to remove it.

If you are an NDH financial Limited client, we will be unable to delete your information for six years – even after your debt arrangement is complete. However, you should note the information held can be amended if required.

To request a copy of the personal data we hold on you, please get in touch using the email address above.

Ongoing services

If we are providing a debt solution such as an Individual Voluntary Arrangement (IVA), Trust Deed, or have been appointed Trustee in your Bankruptcy, we will process your personal details to administer the services provided. This could include contacting you should we require further information or sending updates on the progress of the services being provided to you.

Where we provide ongoing services, we will require you to agree to the terms and conditions of the debt solution or service. These will set out how the service will be provided to you and where we will be required, under the terms and conditions, to process your personal information. For example, we would need to your share information with your creditors to enable us to set up and administer debt solutions such as an Individual Voluntary Arrangement (IVA) or Trust Deed.

Please read the section(s) relevant to the specific products and services you receive from us.

INDIVIDUAL VOLUNTARY ARRANGEMENT

If you enter into an Individual Voluntary Arrangement (IVA), it will be provided by NDH financial Limited. The information below specifically explains how and why your personal data will be used so that the services can be provided to you.

What personal data will we need to collect? To be able to provide our services we will need to collect certain categories of personal data. This will include:

Contact details:

Your full name, address, contact number, e-mail address etc. We need this so that we can keep you updated on the progress of your IVA and contact you when necessary. We also need this information to draft your proposal to creditors.

Personal and financial details:

Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependents, creditor details (including the names of your creditors, reference numbers and balances), details of any assets you hold and your payment information. We need this so that we can decide whether an IVA is appropriate for you and so that we can draft and send a proposal to your creditors. Once you enter into an IVA, we need this information to ensure that we can collect payments and take any changes in circumstances into consideration when administering the IVA.

Income and expenditure:

Details of your financial position including all sources of income and your household expenditure. We need this so that we can draft your proposal to creditors and set the correct level of payments to be paid into your IVA.

Special personal data: In some circumstances we may need to collect special personal data however we will not do so without express consent from you and we will only do so where it is necessary for the purposes of assisting with your financial situation.

Creditor reference agency data:

We will ask for your consent to obtain information from a credit reference agency to obtain information about your financial situation, including information about your creditors, their status, outstanding balances and account numbers. We will also use this information to confirm your identity and to comply with anti-money laundering legislation.

Who will the data be shared with?

Your creditors and their representatives: Your personal data will be shared with your creditors, their agents, debt collectors, bailiffs and solicitors dealing with the debts. This is key to allow us to provide the service we have agreed to provide you and also ensures that we comply with our regulatory obligations.

The Insolvency Service: If your IVA is accepted then details about you and your IVA will be recorded on the Insolvency Register which is accessible by the public. The information we share includes your name, gender, date of birth and address. We have a legal obligation to supply this information. The details on the Insolvency Register will be shared with the Credit Reference Agencies. The Credit Reference Agencies will also use the Insolvency Register to update your records once the IVA is completed or terminated.

Our regulators:

From time to time we may have to share your information with regulatory bodies. These include the Institute of Chartered Accountants in England and Wales, the Information Commissioners Office or any other regulatory body or authority who may request certain information as part of their supervisory role. We are under legal and regulatory obligations to provide this.

Solicitors: We may from time to time need to instruct solicitors to assist with the administration of your IVA or to assist us with legal, regulatory and contractual obligations.

IT providers:

We use third party software companies to help manage your data.

Agents:

Where we have a duty to investigate any potential compensation claims that you may be entitled to, for example payment protection insurance mis-selling claims, we will share some of your information with claims management companies.

Other third parties: We may also share your personal information where we have your consent to do so, or where we are required to do so under a legal or regulatory obligation, for example where we are required to do so by a court order, the police, local authorities or the courts. We might share some of your information with the emergency services if you are in any immediate danger.

Third Parties

In instances were a site user does not qualify for products administered by NDH financial Limited these people will be transferred to partners that can best administer a product suitable to the individual that are non-insolvency products.

We transfer data to our partners to enable our partners to deliver to you, products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to our partner that partner becomes the controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to our client we are no longer responsible for your personal data. Our Partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.

Our Partners are made up of categories of business types. When we talk about our Partners in this privacy policy we mean our partners who are authorised and regulated debt solution providers in the United Kingdom.

HOW LONG DO WE KEEP YOUR DATA?

If you become our customer by entering a debt solution, we will keep your data to ensure that we provide you with our services and comply with our legal and regulatory obligations. Your data will be stored for six years from the date that we cease to provide you with our services. We cannot delete this data if you ask us to because we are required to keep it by law. After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.

TRUST DEED

If you enter into a Trust Deed, it will be provided by NDH financial Limited. The information below specifically explains how and why your personal data will be used so that the services can be provided to you.

Contact details: Your full name, address, contact number, e-mail address etc. We need this so that we can keep you updated on the progress of your Trust Deed and contact you when necessary. We also need this information to draft your proposal to creditors.

Personal and financial details:

Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependents, creditor details (including the names of your creditors, reference numbers and balances) and your payment information. We need this so that we can decide whether a Trust Deed is appropriate for you and so that we can draft and send a proposal to your creditors. Once you enter into a Trust Deed, we need this information to ensure that we can collect payments and take any changes in circumstances into consideration when administering the Trust Deed.

Income and expenditure:

Special personal data:

Creditor reference agency data:

Who will the data be shared with?

The Accountant in Bankruptcy:

If your Trust Deed is accepted then details of about you and your Trust Deed will be recorded on the Register of Insolvencies which is accessible by the public. The information we share includes your name, gender, date of birth and address. We have a legal obligation to supply this information. The details on the Register of Insolvencies will be shared with the Credit Reference Agencies. The Credit Reference Agencies will also use the Insolvency Register to update your records once the Trust Deed has been finalised.

Our regulators:

Solicitors:

We may from time to time need to instruct solicitors to assist with the administration of your Trust Deed or to assist us with legal, regulatory and contractual obligations.

IT Providers:

We use third party software companies to help manage your data.

Agents:

HOW LONG DO WE KEEP YOUR DATA?

To unsubscribe from our communications please follow the opt out information on every SMS or email communication you receive from us.

If you become our customer by entering a debt solution, we will keep your data to ensure that we provide you with our services and comply with our legal and regulatory obligations. Your data will be stored for 6 years from the date that we cease to provide you with our services. We cannot delete this data if you ask us to because we are required to keep it by law. After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.

BANKRUPTCY

If you are declared Bankrupt it will be administered by the Insolvency Service, until it is referred to a Trustee in Bankruptcy. In the event an Insolvency Practitioner of NDH financial is appointed as Trustee, the information below specifically explains how and why your personal data will be used so that the services can be provided to you.

What personal data will we need to collect? To be able to provide our services we will need to collect certain categories of personal data. Some of this data will be provided by the Insolvency Service from the information you provide to them during the time your estate is managed by the Insolvency Service. This will include:

Contact details: Your full name, address, contact number, e-mail address etc. We need this so that we can keep you updated on the progress of your Bankruptcy and contact you when necessary.

Personal and financial details: Your date of birth, gender, any previous names that you were known by, your living arrangements, employment details, details of any dependents, creditor details (including the names of your creditors, reference numbers and balances), details of any assets you hold and your payment information. Once you enter into Bankruptcy, we need this information to ensure that we can collect payments and take any changes in circumstances into consideration when administering the Bankruptcy. In addition, this will enable us to ensure the appropriate assets are realised as part of the administration of the Bankruptcy.

Income and expenditure: Details of your financial position including all sources of income and your household expenditure. Where an Income Payments Order or Agreement is put in place prior to our appointment, we will require this information to determine the appropriate level of payment. In addition, this may be used by the Insolvency Practitioner when considering the appropriateness of any offer made for assets of the bankruptcy estate.

Creditor reference agency data: We will ask for your consent to obtain information from a credit reference agency to obtain information about your financial situation, including information about your creditors, their status, outstanding balances and account numbers. We will also use this information to confirm your identity and to comply with anti-money laundering legislation.

Who will the data be shared with? Your creditors and their representatives: Your personal data will be shared with your creditors, their agents, debt collectors, bailiffs and solicitors dealing with the debts. This is key to allow us to provide the service we have agreed to provide you and also ensures that we comply with our regulatory obligations.

The Insolvency Service: If your Bankruptcy is accepted then details about you and your Bankruptcy will be recorded on the Insolvency Register which is accessible by the public. When you have not been discharged prior to the appointment of the Insolvency Practitioner as Trustee, the register will be updated with our appointment.

Our regulators: From time to time we may have to share your information with regulatory bodies. These include the Institute of Chartered Accountants in England and Wales, the Information Commissioners Office or any other regulatory body or authority who may request certain information as part of their supervisory role. We are under legal and regulatory obligations to provide this.

Solicitors: We may from time to time need to instruct solicitors to assist with the administration of your Bankruptcy or to assist us with legal, regulatory and contractual obligations.

IT providers: We use third party software companies to help manage your data.

Agents: Where we have a duty to investigate any potential compensation claims that you may be entitled to, for example payment protection insurance mis-selling claims, we will share some of your information with claims management companies.

HOW LONG DO WE KEEP YOUR DATA?

WHAT PERSONAL INFORMATION DO WE COLLECT?

The information we collect from you depends on the product or service you apply for, or the service that we provide to you. We will only collect information that we actually need, or where we’re required to collect the information to enable us to perform our legal, regulatory or contractual obligations necessary to provide you with the products or services, or where we have your permission.

This will likely include the collection of:

your personal details (e.g. name, date of birth) address details contact details (e.g. phone number, email) special personal information* (e.g. health information) financial information employment information information on how you use our website(s) and products and services Special personal information Data protection law defines some personal information as “special categories of data”. This includes information about physical or mental health, sexual life, religious beliefs, race or ethnic origin, political opinions, trade union membership or biometric data. This information may be necessary to collect when understanding the reason for your financial circumstances, or where it may help us to provide a better service to you. For example, a period of ill health could have caused you to fall behind with your regular payments to your creditors.

Where we need to collect and process this type of data about you, by providing this information to us you give your explicit consent for us and any other third party to process this special data as set out in this privacy policy, unless we have a legal obligation to process this type of data.

Any personal information about you relating to criminal convictions or offences may only be used by us when authorised by law.

Information about other people If you provide personal information about someone else, for example when a joint application is made, you must do so with the permission of the other person. If you enter into a service jointly with another person (for example, linked Individual Voluntary Arrangements), your personal information and any information about the service provided to you will be shared with the other person.

We will use the personal information about the other person in the ways as described in this privacy policy.

How do we collect your personal information?

We collect your information in a number of ways:

When you make an application or enquiry to us either by phone, email, our website, by a third party or by any other means Information received from a third party, for example a creditor providing information about an account you hold with them, or where you have previously agreed for your information to be shared with us, for example, if you have been introduced to us by another company When you participate in market research, competitions and promotions provided by us, or on our behalf By adding reviews or interacting with us using social media such as Twitter or Facebook etc When you use online platforms, such as an online portal When we may need to obtain up to date information about you to meet our legal or regulatory obligations Where you have given permission for your information to be provided to us OTHER PURPOSES FOR PROCESSING YOUR PERSONAL DATA Websites and marketing
To help us understand you better and provide you with information about other products which may be suitable and relevant, we will use your personal information to create a profile of you and your circumstances. This allows us to provide more relevant, accurate and tailored services to you. For example, we may assess your income and expenditure to determine whether you would be eligible for a debt solution through us. We believe we have a legitimate interest to do this and that it is not against your rights.
However, if you don’t want us to profile your personal information this way, to then better enable us to tailor any marketing communications to you, you can contact us to let us know that you wish for your personal data not to be used in this way.

Reviews and market research

Where we have a copy of your personal information we may contact you to ask you to provide a review about the services you’ve received or where we are carrying out market research which may help us design future products and services or to help improve our current services. Although this information would really help us, you wouldn’t be required to provide us with this information unless you were happy to. We consider that this is in our legitimate interests to contact you in this way for market research purposes.

Legal or regulatory obligation

We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations.

Responding to complaints or enquiries

If you make an enquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your enquiry. We have a legal and regulatory obligation to deal with your complaint appropriately.

Internal analysis

As part of our legitimate interest to develop our business and our products we will use your personal information to assess our performance as a business and for statistical analysis. We will use as little personal data as we can to achieve this. We may also share this analysis with third parties who provide us with services and where we have a contractual obligation to do so.

WHO DO WE SHARE YOUR INFORMATION WITH?

We may also share your personal information with the following organisations:

IT Service Providers who provide IT platforms or other IT services Payment Service companies that process transactions for us (e.g. Direct Debits and card transactions) Communication providers (e.g. telephone line providers, and email and text service providers) Printers who print the letters and information packs which we send to you Advertisers and social media companies such as Facebook, Google and Twitter for our social media accounts or where we can contact you using your social media account Third parties who may have introduced you to our services. These companies help us to provide our services to you. We will have a contract in place with any provider who directly provides us with such direct services to ensure that they comply with their data protection obligations and ensure that they have appropriate security measures in place. We may also share your personal information where we have your consent to do so or where we’re required to do so under a legal or regulatory obligation or court order, such as the police, local authorities or the courts.

FRAUD PREVENTION AGENCIES

The personal information we have collected from you may be shared with law enforcement agencies and fraud prevention agencies who will use it to prevent fraud, money-laundering and terrorist financing and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

SOCIAL MEDIA

We use publicly available social media platforms to promote our services, to provide updates and to share any news and promotional updates. We may collect personal information from these social media platforms, for example, if you post a message on our Facebook page. By providing any of your information to us through these platforms you should be aware that:

the social media web pages are publicly available and you must not provide any personal or sensitive information on our pages that are accessible to the public, such as your account information. We may ask you for your account information via a private message to identify you and to service any request you make; and each social media platform will process any personal information you provide through the platform and will be processed in accordance with its own privacy policy. The privacy policies are available to view on each social media platform.

SHARING YOUR INFORMATION OUTSIDE OF THE EEA

We will only share your personal information outside the European Economic Area (EEA), where we have your consent; to comply with a legal obligation; or where we work with a business partner to enable us to provide you with our services, and they process information outside of the EEA.

If we do share your information outside of the EEA we will make sure that it is protected in the same way as if it was being used in the EEA to ensure appropriate safeguards are in place. This may include putting in place a contract with the business partner that means they must protect the personal data to the same standards as the EEA (this may include defined model clauses), or only share the data to a business partner in a non-EEA country where the privacy laws provide the same protection as within the EEA or where they are part of a Privacy Shield.

SECURITY

We take the protection of personal information very seriously and we will maintain appropriate measures to maintain the confidentiality, integrity and availability of the information you have provided. Such measures include:

Company security policies and standards staff security awareness role-based and biometric access controls to prevent unauthorised access to the information encryption and anonymisation technology anti-malware technologies security monitoring security testing secure archiving and deletion compliance with industry regulation and legislation How we may contact you about the products and services we provide to you To help us keep you up to date about the products and services that we provide to you, and to ensure that you’re kept fully informed, we may contact you by letter, telephone, email, text message, push notifications, social media or may send you messages by any online customer platforms or other electronic means.

If you start an application for a product or service through us we will attempt to contact you shortly after if you were unable to complete your application for whatever reason.

If you do not want to be contacted in a particular way then you can request this at any time, but if we are providing a service to you, we do need to be able to send you communications. This can often be due to a legal or regulatory requirement.

It is important that you keep us up to date when you change your contact details to ensure that we use your up to date contact information.

YOUR RIGHTS

Access to your personal information You have the right to request from us a copy of the personal information that we may hold about you. This is often called a “Data Subject Access Request”. You can request this information by contacting us as set out below. Up until 25th May 2018, we may charge you up to £10 to provide you with this information, but after this date we won’t charge you to provide you with this information.

Before providing this information to you or to another person or company where you have requested this personal information to be sent to, we may ask for proof of identity or ask sufficient questions to enable us to locate the information and ensure that we’re only providing it were you have given your agreement.

Right to have your personal information corrected

If the personal information we hold about you is incorrect you have the right to request that we correct this.

Right to stop or limit the processing of the data we carry out

You may request that your personal information is deleted or that we stop processing the information if we’re no longer entitled to process it. There may be occasions where we are unable to delete the data due to our legal or regulatory obligations. We will however discuss this with you if you request for your information to be deleted.

PORTABILITY

In some cases you may be able to request for your information to be provided to you or to another company in a format that can be processed electronically by you or the other company. If you want to request this you’ll need to contact us.

HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION FOR?

Whilst you continue to be our customer, we will keep a record of your personal information to ensure that we provide you with the best service possible and where we’re required to keep your personal information to meet our legal and regulatory obligations. The product-specific information above sets out how long your personal information will normally be kept for. Telephone calls will be retained for at least six years from the date the call was made.

If you do not go ahead with any product or service offered by NDH financial Limited, your personal information will normally be deleted after 2 years unless we have another reason to keep your data, for example, if you have given your consent to receive marketing or promotional messages from us.

HOW WE MAY CONTACT YOU ABOUT OTHER PRODUCTS OR SERVICE THAT WE MAY OFFER

If you have provided us with your consent or where we are legally entitled to do so, we may contact you to let you know about other offers, products and services that we provide which we think you may be interested or that may benefit you. We may do this through post, emails, text messages, telephone, push notifications, social media or other electronic means.

You can easily let us know at any time if you would no longer like to receive these messages. You can contact us using the details below, emailing us at support@ndhfinancial.co.uk or unsubscribing using the link or information within the message.

OTHER TYPES OF ADVERTISING

When you visit our website or similar websites Google may use our advertisements promoting our products and services which may appear on other third party websites you visit across the internet for remarketing purposes, including cross-device remarketing. Google and other third parties will use cookies to tailor advertisements for website users based on their previous visit to our website. More information about cookies can be found below.

We do not have any control over the advertisements you see on other third party websites however you can request to opt-out or customise these advertisements by using the Google Ads Preference Manager

RECORDING CALLS

We record some of the telephone calls you make to us or we make to you or any other third party. This is for training, monitoring and quality purposes and to meet our legal and regulatory obligations. Some telephone calls may be observed by staff for training and development purposes.

We may keep a copy of the telephone calls for up to 6 years from the date the telephone call was made.

CONTACT US

If you have any questions or queries about how we use your personal information you can contact us or our Data Protection Officer using the address or email below:

support@ndhfinancial.co.uk

If you are not happy with how we process your personal information you should contact us in the first instance. If you’re not happy with how we have dealt with your complaint you have the right to lodge a complaint with the Information Commissioner’s Office. You can find their details on their website at https://ico.org.uk/

If you click on a link that takes you to a third party website that is not ours we will not be responsible for how they use your personal data. You should read its own privacy policy to understand how they may use your personal data.

COOKIES

When using this website, some information may be collected automatically using ‘cookies’. These are small text files that facilitate the processing of your data and enable us to analyse how the website is being used. Cookies can be temporary or permanent.

Temporary cookies form part of the security process while you are using the website; permanent cookies identify the link you used to find our website, check your browser so that we can make sure that our website and services work well with your computer and to help us monitor traffic on our website.

You can view our full cookies policy here

Date last updated: November 2019

UPDATES TO THIS PRIVACY POLICY

Any updates to this privacy policy will be found on this page. If we make any important or significant changes to the way we may collect and use your personal information we will endeavour to notify you of this change.

TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS BEFORE USING THIS WEBSITE

The terms and conditions of use set out below apply to the website www.ndhfinancial.co.uk (the “Website”). This Website is a trading style of NDH financial Limited and is intended for use by residents of the United Kingdom of Great Britain and Northern Ireland only. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to accept them.

Copyright

All information accessible on this Website is protected by copyright. Users may view Website pages on screen and may print or download extracts for personal use or for use by others within their organisations.

Users may supply a copy of any such extract to any third party provided that:

the extract is for their own personal use;
the extract is not supplied as part of or incorporated in another work, website or publication;
the extract is not supplied either directly or indirectly in return for commercial gain; and
the third party is made aware that the source of the copy is this website and that these terms and conditions apply equally to them.

No part of this Website may be reproduced, transmitted to, or stored on any other website or in any other form of electronic medium without NDH financial Limited’s express written consent.

Continuity and quality of service

NDH financial Limited will use its reasonable endeavours to provide users with a prompt and continuing service. NDH financial Limited does not, however, warrant that the service it provides will continue uninterrupted or without delay or that it will remain unchanged. In particular, NDH financial Limited reserves the right to bring the Website down as and when necessary for the purposes of maintenance.

Whilst NDH financial Limited will use its reasonable endeavours to ensure that the information contained in the Website is correct and reliable, no warranty, either express or implied, is given as to the accuracy or completeness of that information.

The Website is intended to provide users with general information relating to NDH financial and NDH financial Limited, its various products and services and other financial information which may be of relevance or interest to users. The Website is not intended to provide exhaustive details in respect of any of the issues or matters referred to on it. In particular, information generated via the Analyser tool on the Website is intended to be considered as a high-level indicator only and should be treated by users as non-binding guidance.

Prior to making any decision or taking any action which may potentially affect users’ personal finances or business, users are urged to take independent advice from suitably qualified advisors.

Links to external sites

The Website may from time to time contain hypertext links to a number of websites owned, operated and controlled by third parties. NDH financial Limited has no control over or proprietary interest in any of these websites and, as such, makes no warranties with regard to the quality, security, accuracy or any other aspect of such sites, and excludes any and all liability arising from use of the same.

Data protection

The protection of users’ personal data takes top priority for NDH financial Limited and NDH financial Limited does not collect any personal data through its Website without users’ consent. Users alone decide whether to provide NDH financial Limited with such data or not.

Where users of the Website are able to communicate to NDH financial Limited personal information via the Website, NDH financial Limited shall, at all times, process and utilise such personal information provided in accordance with the Data Protection Act 1998. Only authorised employees, under appropriate confidentiality obligations will have access to users’ personal information. If users who have provided NDH financial Limited with personal information would like to alter their details or check their accuracy, please email us at: support@ndhfinancial.co.uk

Upon access to the Website, information is occasionally collected automatically (i.e., not through a registration), whereby this information cannot be assigned to a specific person (e.g., Internet browser and operating system used; domain name of the website from where users arrived; number of visits, average dwell time, pages called up). NDH financial Limited uses this information to determine the activity of the Website and improve its content.

When users visit the Website, information may be saved on users’ computers as a “cookie” which is then automatically recognised on the next visit to the Website. Users who do not want NDH financial Limited to recognise their computers should set their Internet Browsers so that they delete cookies from the computer hard disk, block all cookies or warn users before saving a cookie.

Enquiries

Whilst every effort is made to ensure that any enquiries submitted are dealt with promptly, NDH financial Limited cannot guarantee that queries will always be dealt with within the timescale users may require.

NDH financial Limited cannot always guarantee complete confidentiality and would therefore recommend that users do not transmit or include sensitive information, which could be classed as a trade secret, via the Internet.

Disclaimer

NDH financial Limited shall not be liable for any third party claims or losses of any nature, including, but not limited to, loss of profits, indirect or consequential loss or loss due to circumstances beyond its reasonable control.

NDH financial Limited does not accept any liability for any acts or omissions resulting from users’ decisions or opinions formed on the basis of use of the Website

NDH financial Limited may, at any time change, modify, add to or remove part or all of these terms and conditions. Users should therefore check these terms and conditions periodically to see if they have changed. Continued use of this Website following any change in the terms and conditions will be deemed to constitute the users’ acceptance of those changes.

NDH financial Limited makes every effort to ensure that the information and data contained on the Website is correct. NDH financial Limited, however, accepts no liability and does not guarantee that the information and data provided is up to date, correct and complete. This also applies for all other websites referred to by means of a hyperlink from time to time. NDH financial Limited is not responsible for the contents of such websites reached by means of such a link and reserves the right to modify or supplement the information or data provided without prior notice.

General

These Terms and Conditions are governed by and shall be construed in accordance with English law. Disputes in connection with the Website shall be subject to the jurisdiction of English Courts.

Please also read the Privacy Policy for information regarding our general business and website usage terms and conditions.

FEES

NDH financial is a trading style of NDH financial Limited.

Below details information about the fees charged entering and managing the debt solutions provided.

Individual Voluntary Arrangement (IVA): Fees and costs

NDH financial Limited will only charge fees if an IVA is subsequently approved by your creditors and our fees are only taken from your monthly payments or asset realisations paid into your arrangement. Our fees are detailed in the proposal, however, In most cases, creditors amend the terms of the IVA to reduce the fees we draw. Usually, creditors will either cap the Nominee’s fee, Supervisor fee, and disbursements at £3,650, or alternatively, they will set individual caps on the Nominee’s fee and Supervisor’s fee as detailed below.

In an IVA there are three distinct types of cost charged by the Insolvency Practitioner.

Nominee’s Fee

This fee covers the setting up and preparation of your IVA. This includes assessing your current financial situation and your repayment offer to creditors, issuing the Proposal to your creditors, the administration and facilitation of the creditors’ decision process used to consider the IVA, and any negotiations with creditors during this process.

The Nominee’s fee is generally proposed at £2,000, depending on the level work required, however, this is usually reduced by creditors to £1,000 to £1,650.

Supervisor’s Fees

These fees are charged for the ongoing administration of the IVA which includes collecting and distributing your monthly repayments, dealing with any queries raised by you or your creditors, completing an annual review of your financial circumstances, reporting annually to you and your creditors about the progress of the IVA, and dealing with the closing formalities.

The Supervisor’s fee is proposed as 18% of the contributions paid into the arrangement, however, this is usually reduced to 15% by creditors, or is limited by an overall cap of £1,750.

When additional work is required, outside of the work initially anticipated above, an additional fee may be drawn in respect of that specific work, for example, convening and holding a variation meeting. These additional fees are detailed in the proposal. These fees are generally limited by creditors.

Disbursements

These are costs paid by the IP to third party companies for statutory insurances, statutory registrations, software licence, document portal and postage that are required as part of the arrangement. These may also include payments made for the provision of additional services to provide the best return for your creditors.

Typically the disbursements of the arrangement equate to around £758 per case.

Below are typical examples of the costs and fees charged in an IVA, where the client has £18,000 worth of unsecured creditors and is making monthly repayments of £150 in the IVA (£9,000 in total over 60 months)*.

Scenario 1

The Nominee’s fee : £1,000

The Supervisor’s fee**: £1,200

The Nominee’s & Supervisor’s costs: : £758

Total repaid to unsecured creditors: £6,042

Total written off by unsecured creditors: £11,958

Scenario 2

Total Fees, inclusive of Nominee’s Fee, Supervisor’s Fee and Disbursements: £3,650

Total repaid to unsecured creditors: £5,350

Total written off by unsecured creditors: £12,650

*These examples are for illustration purposes only and actual repayment amounts and debt write off will be dependent on individual financial circumstances, and assume that no additional work outside the expected Supervisory work is required.

**15% of further monthly payments once the Nominee’s fee has been satisfied.

GDPR

NDH financial is a trading style of NDH financial Limited. This GDPR statement explains how NDH financial Limited collects personal data from you, and how we will use and store this information.

If you want to see the detailed version of this, you can read our full privacy policy on this site, but this GDPR statement highlights key points you should be aware of.

How we will use your data

NDH financial Limited would like to provide you with information using a number of different contact strategies, including regular communication through email subscription, telephone and SMS about products and services that may be of interest to you.

At times we would like to pass your details on to other carefully selected companies, but we will always ensure we get your permission prior to doing this.

If you do not want us to use your information for marketing purposes to update you on latest products and services and those from third parties, please untick this box on the website.

Where we collect your personal data

We will only collect relevant personal information, including where necessary sensitive personal data, about you when you apply to us, and any additional information provided by you or others in various ways, including:

When you complete an application form, contact form or quiz requesting a call back.
When you take part in market research, competitions and promotions provided by, or on behalf of NDH financial Limited
Information NDH financial Limited receives from business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.
Please note that for quality and training purposes, telephone calls to our offices will be recorded and monitored.

What happens to your information when you provide it?

Personal information provided to us could be used in a number of different ways, including:

Responding to enquiries, requests or complains.
For product administration and to notify you of any important changes or developments to the products and services we provide to you.
For crime detection, prevention, and prosecution and to keep our website safe and secure.
For audit and debt collection.
If you provide personal information about someone else, for example a joint application, you must only do so with the consent of the other person. If you enter into a product jointly with another person your data will be shared with the other person.
We take the protection of personal data very seriously and we will maintain appropriate safeguards to ensure the security and privacy of the information you have provided.

Deleting your information

Should you, for any reason, become concerned the personal information and details we hold about you is incorrect or would like your personal information to be removed from our records, please contact us by email at support@ndhfinancial.co.uk. We will be happy to review, update or remove information as appropriate. It’s important to note that we will keep your information unless you ask us to remove it.

To request a copy of the personal data we hold on you, please get in touch using the email address above.

What are cookies?

When using ndhfinancial.co.uk some information may be collected automatically using ‘cookies’. These are small text files which help us understand how our websites work, they can be temporary or permanent. By accessing and using this site, you consent to the use of cookies.

You can find a full copy of our Cookie Policy here.

Changes to this policy (on screen)

Any changes we may make to this policy in the future will be posted on this page so you can keep up to date with our policies and how they affect you.

Updated: November 2019

COMPLAINTS

Overview

It is our aim to provide a very high standard of service to every customer. If you are unhappy, for any reason, with the service we provide to you we would welcome your feedback and the opportunity to put things right. It is important to us that all complaints are resolved as quickly as possible to the complete satisfaction of our customers, and that we learn from any complaints to further improve the quality of our service.

What to do if you have a complaint

If you have a complaint about any aspect of our service, then we would like to hear from you. You can contact us by telephone or in writing.

To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance discuss the situation with one of our team managers. It will help us to deal with your complaint quickly if you can provide the following information:

your full name and address and a daytime contact telephone number.
full details of your complaint.
details of what you would like us to do to put things right.

All complaints can be sent to the following address:

NDH financial Limited
Grosvenor House,
St Thomas’s Place,
Stockport
SK1 3TZ

We will try to resolve your complaint within five working days of receipt. If this is achieved we will write to you, by email or letter as appropriate, to confirm that your complaint has been resolved and to explain your next steps. If we are unable to resolve your complaint within this timescale we will acknowledge your complaint in writing within five working days and provide details of the person who will be dealing with your complaint.

We may ask you for further information to allow us to better understand your concerns. Once we have completed our investigation we will tell you our findings and, if appropriate, how we will put things right.

If we are unable to send an initial final response to your complaint within 14 days of receipt we will write to you or telephone you explaining why we have not yet resolved the complaint and indicating when we will contact you further. If your complaint is particularly complicated, we will keep you informed of the progress of our investigations.

If we are unable to provide an initial final response within four weeks, we will confirm this in writing and provide a timescale within which you can expect an initial final response.

If you are not satisfied with our initial final response, you should write with your further concerns to Jonathan Gribble at the same office. He will investigate your complaint, and the initial final response, and provide a final response within 15 working days.

In the unlikely event that you are still not satisfied with the response you should then contact the Insolvency Service at The Insolvency Service, IP Complaints, 3rd Floor, 1 City Walk, Leeds, LS11 9DA or via their website https://www.gov.uk/complain-about-insolvency-practitioner who will investigate the matter. For any queries regarding submitting your complaint to the Insolvency Service, please email them at insolvency.enquiryline@insolvency.gov.uk. There is a contact number 0300 678 0015, however, this is currently suspended indefinitely due to Covid-19.

Regulatory bodies

Our Insolvency Practitioner (IP) is personally licensed by Institute of Chartered Accountants in England & Wales (“ICAEW”). The ICAEW can be contacted at the following address:

Institute of Chartered Accountants in England and Wales
Chartered Accountants’ Hall,
Moorgate Place,
London
EC2R 6EA

https://www.icaew.com/

Please note, all complaints should be referred to NDH financial Ltd, and the Insolvency Practitioner in the first instance, and if you are not satisfied with the final report, the complaint should then be submitted through the Insolvency Service IP Complaints

Gateway, as detailed above. Although you are free to submit complaints to the ICAEW directly, the ICAEW may direct you to submit the complaint through the Insolvency Service Gateway before they are able to consider it, which may result in a delay in dealing with your complaint.

BRIBERY

Bribery Act 2010

NDH financial Ltd is committed to applying the highest standards of ethical conduct and integrity in its business activities. Every employee and individual acting on NDH financial Ltd ‘s behalf is responsible for maintaining our reputation and for conducting company business honestly and professionally.

NDH financial Ltd take a zero-tolerance approach to bribery and corruption and are committed to acting professionally, fairly and with integrity in all our business dealings and relationships wherever we operate.

NDH financial Ltd requires all those who are associated with it to observe the highest standards of impartiality, integrity and objectivity.

NDH financial Ltd prohibits anyone acting on its behalf from:

bribing another person. A bribe includes the offering, promising or giving of any financial or other type of advantage;
accepting a bribe. This includes requesting, agreeing to receive or accepting any financial, or another kind of advantage;
bribing a foreign public official; and
condoning the offering or acceptance of bribes.

NDH financial Ltd will:

avoid doing business with others who do not accept our values and who may harm our reputation;
maintain processes, procedures and records that limit the risk of direct or indirect bribery;
promote awareness of this policy amongst its staff, those acting on its behalf and entities with which it has any commercial dealings;
investigate all instances of alleged bribery, and will assist the police, and other authorities when appropriate, in any resultant prosecutions. In addition, disciplinary action will be considered against individual members of staff;
review this policy regularly and update it when necessary.