The term “SettleMyIVA”, “We” or “Us” refers to SettleMyIVA, a trading style of KnightsInternational Accountants. We are a fully authorised Chartered Accountancy Practice in England and Wales with the ICAEW number 7359329.

The term “Debt Arrangement” will refer to any existing or new Debt Arrangement that may or may not be entered into by You. Please ensure that You read these Terms and Conditions carefully. You must check that any details submitted to Us via any of Our forms either online or via paper are complete and accurate.

By submitting an enquiry with Us either online, via post, via call, or SMS means You and/or Your partner agree to all the Terms and Conditions listed below.

1. Once You enquire with Us by submission of an application, Our Terms and Conditions become binding, at which point You enter into a contract between Us and You. This does not mean We have yet agreed to provide any services on Your behalf. Only once We have reviewed theinformation You have submitted to Us and decide the viability of any change to your existing Debt Arrangement will the contract be valid. If You do not accept Our Terms and Conditions, You should not request a call/review and We cannot provide You with Our Services.
2. On completing and signing an online application and/or by signing and returning an application form to Us, You authorise Us to act as contact as Your Intermediary to ensure that You enter the correct and agreed arrangement for Your circumstances in relation to Your outstanding debts.
3. You authorise Us to use all of the information provided within Your application to review Your eligibility to the following Debt Arrangements types: Debt Relief Order (DRO), Debt Management Plan (DMP), Equity Release, Bankruptcy, or other debt management arrangement on Your behalf if found to be applicable to Your circumstances.
4. You authorise Us to access information provided to Us by The Insolvency Service and the Individual Insolvency Register (IIR) to assess what Services We can offer to You and that Our fees are applicable according to Clauses 4.1-5. Where upon review of the information supplied to Us either by You, The Insolvency Service, the IIR, Your existing authoried party managing Your existing Debt Arrangement, or any other applicable body and We identify an appropriate Service, you agree that We have the authority to act on Your behalf.
5. If We identify any Services which You may be eligible for, but We do not provide, You agree that We may notify Our trusted third-party partners of SettleMyIVA of Your eligibility to make Use of their Services. You also understand that as a result of such a referral, We may receive a commission for doing so. We have no responsibility or liability for any Services offered and provided by any third-party partner of SettleMyIVA.
6. You are required as part of any review involving Your partner/spouse to refer them to Our Privacy Policy on Our website so they understand how We will use their data.
7. We may be required to perform due diligence checks as part of providing Our Services and You agree to provide Us with any relevant information/documentation to allow Us to perform these checks. Where necessary, this will also apply to Your partner/spouse.
8. During the period of offering Our Services to You, We may send to You documentation either digitally or in paper format for You to complete and return to Us. Where You supply Us with an electronic signature specimen digitally, You authorise Us to Use that signature on relevant documentation to submit to an applicable entity. You acknowledge that an electronic signature may not always be acceptable and that You may receive such documentation via post to sign and return to Us.
9. By entering into a contract with Us, You confirm that You know of no reason as to why You cannot enter such contract.
10. You acknowledge that where We feel it appropriate, We may contact You via phone, email, SMS, or post in relation to Services We feel You could be applicable for.
11. You agree that all information You provide to is true and accurate to the best of Your knowledge and belief.
12. You confirm that You have records relevant to Your existing Debt Arrangement readily available and will provide them to Us and/or our appointed intermediary at Our/their request.
13. You will provide Us with accurate and true information. We are not required to verify such information unless it is Our legal or regulatory obligation to do so. You accept that You may be required to provide additional information to assist Us in Our endeavours which must be provided within 7 days of it being requested. SettleMyIVA reserves the right to cancel any change to Your Debt Arrangement where requested details are not provided and issue payment charges relating to the work already undertaken. Where such charges are issued, You will be notified in writing.
14. You agree by Using Our Service to Our Privacy Policy which can be viewed here settlemyiva.co.uk/privacy-policy and contains information on how We make Use of Your personal data.
15. We may transfer Our rights and obligations under this Contract to another party. This will not affect Your rights and obligations under this contract, and We will inform You of such an event in writing.
16. We also have the right to share Your information with any group company or sell/use Your information in connection with, but not limited to merger, financing, acquisition, liquidation, or proceedings involving sale or transfer of all or a portion of Our business or assets. That company, group company, or entity will have the right to Use Your information collected to continue its obligations under this agreement and use Your information to contact You in regard to products or services that We believe may benefit You.
17. You agree to Us performing a soft credit search on You to assess what other Services we could provide to You.
18. We reserve the right to cancel Your revised Debt Arrangement at any given time should You breach any of Our terms and conditions, those of the new Debt Arrangement itself, or any other reason within Our discretion.
19. We will not provide any tax advice throughout the course of our engagement; we will simply assist You in the finalising of the correct Debt Arrangement that suits Your financial circumstances and financial situation at the time of Your initial review by SettleMyIVA. Our service provided to You therefore amounts to an occasional transaction as defined in the The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

1. We may at any point in assessment of Your financial situation decide not to pursue a change to Your existing Debt Arrangement and will notify You accordingly.
2. You understand that by Us assisting You to change your existing Debt Arrangement that this is no indication of guarantee that You will be successful with the new Debt Arrangement. We may at any point terminate Our Contract with You and be under no obligation to provide a reason for Our decision.
3. We will assist You in changing from Your existing Debt Arrangement in a timely manner but cannot make any guarantee as to the timescale it may take to formally place You into Your new Debt Arrangement and provide no such assurance.
4. During the course of the change to Your new Debt Arrangement, You agree to provide Us, or Our appointed intermediaries upon request any information and/or documentation in a timely manner. You understand that refusal or excessive delay to provide Us with such information and/or documentation could result in Us not being able to assist You in finalising and completing the change from Your existing Debt Arrangement to Your new Debt Arrangement. We have the right to charge You for Our Services up until that point in accordance with Clause
5. You acknowledge that You appoint Us as Your agent and nominee and that We may receive information relating to Your Debt Arrangement from third parties.
6. You understand we are not responsible or liable for any debt which You may owe to those parties that fall outside of any existing Debt Arrangement or new Debt Arrangement including but not limited to: child maintenance or anything You owe under family proceedings, student loans, budgeting and crisis loans from the Social Fund, debts secured against any possessions You own, damages for personal injury or death, a court has ordered You to pay, or unpaid TV licence fees.
7. You will assist Us where necessary in enabling You to enter a new Debt Arrangement that We are assisting You to enter as part of Our Service.
8. You agree that any delay, for whatever reason, in obtaining information from You can result in a delay in Us securing Your new Debt Arrangement.
9. Agree that any estimation of Your monthly payments to your new Debt Arrangement given in any correspondence from Us or seen on Our website, given by email or phone, is not a guarantee of the amount You will pay and is an estimate.
10. You Acknowledge any timescales quoted for the completion and successful entry into Your new Debt Management Arrangement are estimated timescales. We always aim to secure and finalise Your new Debt Agreement within the 6-month period from the date of the first payment to SettleMyIVA. However, delays can occur.
11. As part of a review of Your current Debt Arrangement You:
    1. Confirm that where applicable We can utilise the information provided within Your application, The Insolvency Service, or IIR to suggest and advise on Your eligibility to enter into any of the following: Debt Relief Order (DRO), Debt Management Plan (DMP), Equity Release, Bankruptcy, or other debt management arrangement, and use the digital signature specimen provided at the point of application to complete the necessary forms to start Your new Debt Arrangement.
    2. Confirm that the information provided within Your application can also be reviewed and processed by Our associated third parties.
    3. Confirm that Our fee will be 6 equal monthly payments of either Your existing monthly payment to Your current Debt Arrangement or the revised monthly payment agreed by You during the review call. Calls will be recorded for training and security purposes.
    4. Confirm and understand that You will write to Your existing Insolvency Practitioner, Debt Manager, or other authorised person or entity signed by you notifying them that you no longer wish to be in the Debt Arrangement set by them and that you wish to cancel the Debt Arrangement with them with immediate effect.That from the date of the financial review, you cease all payments to the current Debt Arrangement as you will be entering into a new Debt Arrangement with Your creditors.

1. You acknowledge that upon agreement to cancel Your existing Debt Arrangement You must allow Us up to the point that the existing Debt Arrangement has been formally cancelled to either refer or complete the new Debt Arrangement application to the relevant party
2. You acknowledge that upon agreement to enter into your new Debt Arrangement that You will pay 6 equal payments to SettleMyIVA of the amount set during the call and confirmed in writing via email by the SettleMyIVA representative.
3. You acknowledge that You cannot request that payment is made to SettleMyIVA from any another third party via any means. You acknowledge that You only must pay the fee.
4. Failure to make payment to Us will result in Your debt being passed to a debt collection agency who will charge You further fees on top of the full amount due to Us, therefore You acknowledge failure to pay will incur extra fees.
5. We make no guarantee that Use of Our services will result in You entering into the new Debt Arrangement that has been advised due the information that You have provided to Us from the outset.

1. We accept no liability for any loss suffered by Yourself because of not being able to enter into a new Debt Arrangement following the cancellation of Your existing Debt Arrangement where there has been no negligence on Our part.
2. You agree that You cannot make any Claim for loss or consequential damage as a result of Using Our Service or any omission by Us unless required under Law.
3. We agree to take all reasonable care when assessing Your financial situation but do not give any other warranties in relation to Our Services provided or accept any liability whatsoever.
4. We are not liable should You breach any of these Terms and Conditions for whatever reason or where You have provided false information, have provided different information from what is readily available through The Insolvency Service, Your existing Debt Arrangement authorised party, or the IIR.
5. We are not liable should You fraudulently sign or provide Your partner’s details that does not consent to applying for entry into a new Debt Agreement

1. We are held only to the Law of the English, Welsh, and Scottish courts by whichever is applicable to where You reside.
2. Each clause of these Terms and Conditions stands independently, and should any English, Welsh, or Scottish court rule any term unlawful then remaining clauses shall stand.
3. This contract stands whether committed to by You in writing or verbally.
4. If we are delayed in enforcing Our rights against You or initially fail to enforce them this does not mean that We waive Our right to enforce such rights against You at any point in the future. A waiver of any of these rights will only be considered in writing and no verbal communication of such waiver will ever be binding.