Direct Debt Solutions is a trading name of Baines & Ernst.

Baines & Ernst legal and privacy statement

Changes to this policy
Because we are constantly improving our site there may be developments in how we use your data – all developments will be promptly notified to you in this policy. Your continued use of our website will signify that you agree to any such changes.

By clicking ‘Compare your options’ you are confirming that you have read our privacy policy and consent to the details within it.

Data Protection Act 1998
We know how important it is to protect your personal information. Any personal information we hold will be subject to the appropriate legal safeguards under the Data Protection Act 1998. We will process your personal information in accordance with the terms and for the purposes of this agreement.

You are confirming that you are giving your consent for your details to be shared with third parties used by Baines & Ernst. for the purpose of assessing your enquiry.

We work closely with a number of specialist companies that offer a range of financial products including secured loans, re-mortgaging, Individual Voluntary Arrangement (IVA), debt management and unsecured loans. We aim to offer solutions that could help you resolve your financial situation; therefore if we think you could be helped by one of the third parties we associate with, you will be contacted by one of these specialist companies.

We may also send data about site visitors through or to other companies, inside and outside European Economic Area.

Your personal information may be disclosed to the extent required by Law, Court Order, Government Order or Decree. Except as described above, we will not disclose your personal information to any other third parties without your consent.

Right of Subject Access
We only collect data that is ‘personally identifiable’ to the extent deemed necessary to serve our legitimate business purposes. We ensure that safeguards are in place for the security and privacy of that information. You have the right to review, correct and delete information from our records, subject to certain conditions.

Please contact the Head of Compliance should you have any concerns about any aspect of the information we hold. Information held by us will be processed for purposes which we have registered under the Data Protection Act. You have a right to ask for a copy of the information that we hold about you; requests can be made in writing. A copy of the information will be provided on payment of a small fee. The address to write to is: The Head of Compliance, Baines & Ernst, 18-22 Lloyds House, Lloyd Street, Manchester, Lancashire, M2 5BE.

Date, privacy and personal details
Personal details that you submit to us (Personal Data) will be held by Baines & Ernst.. It is your responsibility to ensure that your personal data is accurate and up to date and to inform us of any changes that need to be made. By submitting your personal data you consent to it being processed by Baines & Ernst, its group and associate companies.

For each visitor to our website, our web server automatically recognises information regarding the domain or email address. We will collect and store the email addresses of those who communicate with us via email or their contact details when submitting an application.

We may use personal information for marketing purposes to identify and provide you (by post, telephone, fax, email or SMS text) with details of other similar products or services which we, our associated companies, or an approved third party deem beneficial to you. You can tell us if you do not want to receive marketing information by telling us in writing to the address below. If at any time you opt out of being updated, we will cease all such future disclosure of data. Information held by us will be processed for purposes which we have registered under the Data Protection Act. We may record and monitor calls for service quality.

If you use standard email for communication with Baines & Ernst, information will not be protected in the same way and you should be aware that we cannot guarantee that it remains confidential whilst in transit.

With respect to cookies: our website is currently not set-up to use cookies to record past activity at a site.

This site is intended for UK residents only unless otherwise stated. We will communicate with you in English.

Baines & Ernst.: Lloyd House, 18-22 Lloyd Street, Manchester, M2 5BE. Telephone: 0800 015 3135. Website: www.directdebtsolutions.co.uk. Baines & Ernst is registered in England and Wales No:3167325. Registered Office: 8 St John Street, Manchester, M3 4DU. Data Protection Registration No: Z8931509 Consumer Credit Licence No: 408014.

Our commitment to our customers if you are dissatisfied
Our goal is to give an excellent standard of service to all of our customers, however we do recognise that things can wrong occasionally. We take all complaints we receive seriously and aim to resolve all problems promptly. To ensure we provide the kind of service you expect, we welcome your feedback. If you have any issues relating to the work an Insolvency Practitioner undertakes (only applicable for IVA clients), you should refer this directly to your Insolvency Practitioner. If at any time you are not happy with the service that we have given you, please contact us. If you want to write to us, send your complaint to: Compliance Department, Baines & Ernst, Lloyds House, 18 – 22 Lloyd Street, Manchester, M2 5BE. A copy of our Internal Complaints Procedure is also available upon request from the contact details given above. Using our Internal Complaints Procedure will not affect your legal rights. You may be able to refer your complaint to the Financial Ombudsman Service.

Disclaimer: Baines & Ernst does not make any representations or give any warranties, express or implied, about the information provided through this website, including any hypertext links or any other items used either directly or indirectly from directdebtsolutions.co.uk website. Baines & Ernst does not accept any responsibility for enabling the reader to link to another website. This privacy policy only covers the Baines & Ernst branded websites. Links within this site to external websites are not covered by this policy.
Baines & Ernst shall not be liable for any claims or losses of any nature, arising indirectly or directly from use of the information on the Baines & Ernst website or hypertext links (except to the extent required by law).

Speak to a Baines & Ernst advisor free on 0800 015 3135† for advice on debt solutions that would best suit your debt problems. Alternatively, you can complete the enquiry form and a member of our team will get back to you.