Terms & Conditions
Please read these terms and conditions carefully – they apply to your use of this website (“site”) and form the basis of any agreement you may make with us. By proceeding with access to our website you are deemed to have accepted these terms.
Who we are
“Yourdebtadvisor” is a trading style of Quebec Partnership Ltd. Wherever the name “Quebec Partnership” is used within these pages this refers to Quebec Partnership Ltd trading as Quebec Partnership (registered in the UK – Company No: ) or one or more of the trading entities Quebec Partnership Ltd or its associates operate in the United Kingdom.
The pages on this website are intended for access and use by UK residents only and they comply with appropriate UK legislation and regulations.
If you are accessing this website from outside the UK, local legislation may not permit us to provide products or services for you in your own country.
Copyright, Trading Name, Access to the site and our rights in it.
Quebec Partnership Ltd is the owner of all copyright, design rights, database rights and all other intellectual property rights in the content of this website, unless otherwise stated.
You are permitted to access and use this site for personal, non-commercial use only. You may not access or use this site for any commercial purposes or otherwise exploit, extract, publish, distribute, or reproduce any part of this site for any commercial purpose without the prior written consent of Quebec Partnership Ltd.
We take very seriously any access to or interference with this site with intent to deny, corrupt, damage or otherwise interfere with service from the site or for other commercial purposes. We monitor for any such use and will take whatever action may be necessary to protect this site from such activities. By using this site, you agree that damages may not be an adequate remedy for any breach of the above terms or for infringement of any of our rights by you and you accordingly agree that we are entitled to any and all of the following remedies: injunction; specific performance; orders to deliver up infringing copies or materials and any other legal or equitable relief for any threatened or actual breach and/or infringement. You further agree that no proof of special damages is necessary for us to obtain any such remedies.
If you decide an IVA is the right way to deal with your debt problem we will assess your financial situation and prepare a statement of affairs summarising your income, outgoings, assets, liabilities and such related documentation as you provide to us. We will calculate your disposable income in accordance with the information you provide to us. Disposable income is the amount that you can reasonably afford to pay each month to an IVA.
We will prepare all documents required by an insolvency practitioner (IP) to draft an IVA proposal which when approved by you, will be sent to all of your creditors.
We will provide support and advice to you on how to deal with your creditors, bank, mortgage provider and others, during the interlude period (Interlude) which begins when you have provided us with all of the information and documents necessary to enable an IP to draft your IVA proposal and ends when the IVA proposal is accepted or rejected by your creditors.
Quebec Partnership is an introduction service which specialises in introducing eligible IVA candidates to a suitable IP. We do not provide debt advice. You should always seek professional advice before taking any action to resolve your debts and may find it useful to visit the government website www.moneyadviceservice.org.uk.
Fees & Charges
We will not charge you for our services. We will be paid by the IP who supervises your IVA but only if your IVA is accepted by your creditors.
The IP who acts in arranging your IVA will agree their fees with your creditors and they will be paid out of the monthly payment you pay into your IVA. The IP’s fees are made up of a Nominee’s fee which is a fixed amount for preparing the IVA proposal and processing it through to conclusion. This is usually around £1,100. The IP will also be paid a Supervisor’s fee which is ordinarily around 15% of your monthly payment, for supervising the IVA
You may cancel any agreement you make with us, with immediate effect, by informing us in writing either by letter or email.
Accuracy and validity of information
We take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date.
If you suffer any loss to the extent that it has been caused by your reliance upon any errors or omissions contained in the content of our website, where we have been negligent in failing to remove or remedy any such errors or omissions then we are responsible to you. However, we are not responsible for any losses in the following circumstances:
- If the information you put into or cause to be put into our website is inaccurate or incomplete; or
- If you fail to promptly disclose all the relevant facts to us immediately you become aware of the same.
Whilst we take all reasonable steps to ensure this site is always accessible, we will not accept liability for any losses due to the site being unavailable at any time or for any period where the cause of the failure is beyond our reasonable control. We may also have to suspend access to the site for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum.
In addition we are not responsible for any loss or damage caused by viruses or defects of any description as a result of your use of the site or in consequence of you downloading any material posted on it or a website linked to it. You must ensure that you use appropriate virus checking software.
Third Party Websites
This site may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We do not accept responsibility or liability for the contents of any third party website.
We do not guarantee that third party websites are free from viruses or anything else that could be infectious or destructive.
Our Liability Limitation
We are not responsible to you or any other party nor are we liable for: any loss or damage you may suffer or incur in connection with your use of this site which is caused by any event where the cause is beyond our reasonable control. Nor shall we accept liability for any consequential or indirect loss or damage you suffer or incur as a result of your use of the site (including but not limited to loss of business, or loss of profit or revenue) which was not foreseeable by us at the time when you used the site. Notwithstanding the foregoing nothing in these terms shall exclude or limit our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.
Periodically we may offer prospective clients an incentive or rewards such as prizes, participation in prize draws, competitions or eligibility for a cash payment (also known as “cash back”). Your eligibility for any such incentive will arise only if you have first contacted us with regard to your IVA whilst the offer period is open and will be paid or delivered, as appropriate, within 14 days of acceptance by your creditors of an IVA proposal processed through Quebec Partnership and not in any other circumstances. Only one such incentive will pertain to any one IVA.
We reserve the right to update these terms from time to time without notice to you. We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms.
Our Internal Complaints Handling Procedures
- Complaints may be made in writing, by e-mail, by telephone or any other form in respect of a service that we have provided to you and that is regulated under the Compensation Act 2006. Complaints can be made or further information can be requested at firstname.lastname@example.org
- We reserve the right to decline to consider a complaint that is made more than six months after you became aware (or in the ordinary course of events should have become aware) of the cause of the complaint. There may be instances where we will waive this requirement at our discretion. We will confirm to you in writing if a complaint has been made outside the time limit that we are prepared to consider.
- We will send you a written or electronic acknowledgement of a complaint within five business days of receipt, identifying the person who will be handling the complaint. Wherever possible, that person will not have been directly involved in the matter which is the subject of the complaint, and will have authority to settle the complaint.
- Within four weeks of receiving a complaint, we will send you either:
- a final response which adequately addresses the complaint; or
- a holding response, which explains why we are not yet in a position to resolve the complaint and indicates when we will make further contact with you.
- Within eight weeks of receiving a complaint we will send you either:
- a final response which adequately addresses the complaint; or
- a response which:
- (i) explains why we are still not in a position to make a final response, giving reasons for the further delay and indicating when we expect to be able to provide a final response; and
- (ii) informs you that you may refer the handling of the complaint to any appropriate regulator if you are dissatisfied with the delay.
- Where we decide that redress is appropriate, we will provide you with fair compensation for any acts or omissions for which we are responsible and will comply with any offer of redress which you accept. Appropriate redress will not always involve financial redress.
- If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to any appropriate regulator.
Choice of Law
English law shall govern the use of the site and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.