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Terms of Service

These Terms of Service (“Terms”) govern your use of the Stop My Debts website and the services we provide. By accessing our website, submitting an enquiry, or otherwise engaging with us, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

1. About Us and Our Services

STOP MY DEBTS LTD operates as a lead generation and introducer business providing consumers with information regarding debt solutions and related financial support services, including Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), Bankruptcy and Breathing Space.

We do not provide regulated debt counselling, debt adjusting or debt administration services unless expressly authorised to do so. Where appropriate, consumers may be referred to FCA-authorised debt solution providers or licensed Insolvency Practitioners who can provide regulated advice and assistance in relation to debt solutions.

We are not a lender and do not provide credit facilities.

2. Eligibility

To use our services you must be at least 18 years of age and a resident of the United Kingdom. By using our website you confirm that you meet these requirements and that the information you provide to us is accurate and complete.

3. Nature of Information Provided

The information provided through our website and services is intended for general informational purposes only and is based on the information supplied by you. It does not constitute legal, financial, insolvency or tax advice and should not be relied upon as such.

Debt solutions are subject to eligibility and suitability criteria and may not be suitable for all individuals. Consumers should carefully consider all available options before proceeding with any debt solution.

Free and impartial debt advice is available from MoneyHelper, a service provided by the Money and Pensions Service.

4. Fees and Charges

STOP MY DEBTS LTD does not charge consumers for information provided through its introducer services and no upfront fees are payable to us.

Certain debt solutions arranged through FCA-authorised debt solution providers or licensed Insolvency Practitioners may involve fees or charges. Any such fees will be explained in full by the relevant provider before you decide whether to proceed.

5. Impact on Your Credit Rating

Entering into a debt solution may negatively affect your credit rating, credit file and ability to obtain credit in the future. Consumers should carefully consider the potential implications of any debt solution before proceeding.

6. Your Responsibilities

When using our website and services, you agree to:

  • Provide accurate, current, and complete information about yourself and your financial situation
  • Use our website lawfully and not for any fraudulent or harmful purpose
  • Not attempt to disrupt, damage, or gain unauthorised access to our website or systems

7. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Stop My Debts or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or otherwise use our content without our prior written permission.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, practices, or availability of those websites, and the inclusion of any link does not imply our endorsement. You access third-party websites at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Stop My Debts shall not be liable for any indirect, incidental, or consequential loss arising from your use of our website or services, or from any decision you make in reliance on the information we provide. Nothing in these Terms excludes or limits our liability where it would be unlawful to do so.

10. Privacy

We are committed to protecting your personal data. Our use of your information is described in our Privacy Policy, which forms part of these Terms.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated version on this page with a revised date below. Your continued use of our website after any change constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Us

If you have any questions about these Terms of Service, please contact us:


Last Updated: 28/05/2026