Call us FREE on 0800 434 6281 or on your mobile 0141 374 2034

Terms and Conditions


The terms and conditions of use set out below apply to the website owned, operated and controlled by Money Debt and Credit Group ("Money Debt and Credit"), located on the World Wide Web at (the "Website"). The Website is intended for use by residents of Scotland only. By using the Website, users are deemed to have full knowledge of the following terms and conditions and to accept them.

Money Debt and Credit 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.

Money Debt and Credit makes every effort to ensure that the information and data contained on the Website is correct. Money Debt and Credit, 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. Money Debt and Credit 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.


All materials accessible on this Website are 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 organizations.

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 Money Debt and Credit's express written consent.

Continuity and Quality of Service

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

Whilst Money Debt and Credit will use its reasonable endeavours to ensure that the information contained in the Website is correct and reliable, no warranty, either expressed 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 Money Debt and Credit, 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.

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.

Money Debt and Credit 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 Money Debt and Credit, and Money Debt and Credit does not collect any personal data through its Website without users' consent. Users alone decide whether to provide Money Debt and Credit with such data or not.

Where users of the Website are able to communicate to Money Debt and Credit personal information via the Website, Money Debt and Credit shall, at all times, process and utilize such personal information provided in accordance with the Data Protection Act 1998. Only authorized employees, under appropriate confidentiality obligations will have access to users' personal information.

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).

Money Debt and Credit uses this information to improve the website and its content.

When users visit the Website, information may be saved on users' computers as a "cookie" which is then automatically recognized on the next visit to the Website. Users who do not want Money Debt and Credit to recognize 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.


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

Money Debt and Credit 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.


Money Debt and Credit 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.

Money Debt and Credit 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


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.


We hope that users will find our Website informative and easy to use. We should be grateful to receive any comments or queries that users have concerning the Website, or any suggestions as to how it could be improved. Please e-mail us at

Contact Info

Email Us

Call us FREE on

0800 434 6281

Or on your mobile

0141 374 8472

Scotland Trust Deeds

45 Clarendon Road



WD17 1SZ

Registration No.05588842