The terms and conditions set out below detail how changingsteps.co.uk can be used. If the changingsteps.co.uk website hereinafter referred to as 'the website' is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older.
changingsteps.co.uk provides a debt solution service.
Alterations to these terms and conditions can be made on occasion and once published, these alterations will become immediately effective.
The copyright and intellectual property (IP) rights of all of the material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to changingsteps.co.uk . All rights are reserved.
Permission must be secured prior to the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website in addition to unauthorised links are also not permitted.
Information from the website must not be used for illegal or immoral purposes.
changingsteps.co.uk does all it can to ensure data on the website is accurate and uses it's best endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, changingsteps.co.uk is not responsible for inaccuracies published on the website.
changingsteps.co.uk does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate.
changingsteps.co.uk does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.
changingsteps.co.uk is not responsible for any harmful effect on technology that may result from using the website nor does changingsteps.co.uk give any warranty that the website can cause viruses.
In addition, changingsteps.co.uk is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.
Nothing stated within these terms and conditions excludes or limits our liability for fraud or excludes or limits our liability under the FSMA (Financial Services and Markets Act 2000).
Should any of the terms and conditions stated be breached, changingsteps.co.uk has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website. All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.
All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.
changingsteps.co.uk is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.
Use of the website and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.
We’ve helped thousands of people take control of their finances.
Disclaimer: Please see below a couple of reveiws which could vary from person to person, based on the indivdual's financial situation.
"Great. The best thing I ever did, you think it's too good to be true but hey it's so out there. I was paying a thousand pounds a month, now I am paying, wait for it. Two hundred. Yes it's true. Go for it!" Patricia Howell
"So simple, I had worried myself sick about my bills! One phone call is all it took to start things rolling. It was easy, just be honest by telling them everything and it gets sorted for you" Alistair Molyneux
Find out more about managing your money by speaking to The Money Advice Service an independent service set up to help people: Money Advice Service
Terms and Conditions.
Changing Steps UK is a trading name of KAR7 Limited | Registered in England and Wales, Number: 08842648 | Data Protection Act Registration Number: ZA037480 | Address: 11-17 Fowler Road, Hainault Business Park, Ilford, Essex, IG6 3UJ
Michael Howorth is authorised by the Insolvency Practitioners Association to act as a Licensed Insolvency Practitioner. IP Number 9135
© ChangingSteps.co.uk 2020 | All Rights Reserved.
KAR 7: specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland. We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.
We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.
To qualify for debt write off in an IVA with KAR 7, you must have a minimum of £6000 of qualifying unsecured debt owed to two or more creditors. A debt write off amount of between 25% and 75% is realistic, however the debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors.