image of openskies money logo

DURING SOMEONE’S LIFETIME THERE ARE UPS AND DOWNS, THERE MAY COME A TIME WHERE FINANCIAL PRESSURE BECOMES TOO MUCH AND YOU MAY BENEFIT FROM SOME HELP FROM INDUSTRY PROFESSIONALS.

IF YOU FEEL YOU NEED GUIDANCE, FEEL FREE TO SPEAK TO ONE OF OUR TRAINED ADVISORS. WE WILL TAKE THE TIME TO GET TO KNOW YOU – AND YOUR CIRCUMSTANCES – TO FULLY UNDERSTAND WHAT MAY BE THE BEST COURSE OF ACTION TO GET YOU BACK ON THE RIGHT TRACK. AFTER A FULL FACT FIND AND INCOME & EXPENDITURE REVIEW, WE WILL BE ABLE TO MAKE RECOMMENDATIONS FROM A NUMBER OF OPTIONS AND HELP YOU TAKE BACK CONTROL OF YOUR FINANCES AND YOUR LIFE.

Why Choose Us?
No Obligation, No Charge for Advice, Zero Upfront Cost.

We take the time to understand you and your circumstances making sure you get the correct advice. Once the correct option has been established we can give you the help you need.

We give clear, honest, balanced debt advice without any obligation or upfront cost. We do not directly provide debt solutions and we never charge you personally for any of our services. Where appropriate, we offer no-obligation referrals to trusted, fully regulated providers of appropriate solutions and receive a referral fee from debt solution providers for any successful customer referrals. Some debt solutions involve fees to you – these fees will always be explained to you and confirmed in writing by your chosen solution provider before you decide to take up their service and before any solution agreements are signed.

UK Based Customer Support
If you ever need help, we will be there for you. Call 01872 630050 to speak to your specialist team member.
Individual Voluntary Arrangement
An IVA offers you the chance of clearing qualifying unsecured debt with a manageable payment over a set term, people will often write a percentage of their debt off with an IVA.
Debt Relief Order
A DRO is an insolvency similar to bankruptcy and usually lasts for one year with no monthly payments.
Trust Deeds
For Scotland only and where your debts outweigh your assets. At the end of a 4 year term, outstanding balances on your included debts will usually be written off.

Openskies Money Easy to Manage Debt Solutions

Openskies Money are experts in IVA, DRO, and Trust Deed Debt Solutions
INDIVIDUAL VOLUNTARY ARRANGEMENT

An IVA is available to qualifying individuals in England, Wales and Northern Ireland. It is a legally binding agreement between you and your creditors which allows you to make one affordable monthly payment to all your qualifying unsecured debts combined.

An IVA can be arranged for you by a licensed Insolvency Practitioner who becomes your nominee and is then legally authorised to represent you in negotiations with your creditors.

For a lot of people, an IVA offers a comfortably affordable payment, that will clear their qualifying unmanageable debt in a realistic time period.

IVA BENEFITS

  • Freeze interest and charges on all your unsecured debts.
  • Write-off any qualifying, unsecured debt you are unable to repay within the IVA.
  • Reduce your monthly repayments
  • Consolidation into one affordable payment.
  • Stop unwanted contact from your creditors.
  • Bankruptcy can be avoided as long as all IVA commitments and payments are met.
  • All Creditors are dealt with on the client’s behalf.
  • All costs included in monthly IVA payment – nothing additional to pay.
  • Every Creditor involved in the plan will receive a payment from the disbursements.
  • Creditor chasing will stop by law.
  • Guaranteed to clear all included debt in a specified time.
  • Legally binding agreement.
  • Protects against legal action.
IVA IMPORTANT CONSIDERATIONS

  • If the IVA fails, your creditors may pursue bankruptcy..
  • If you are a homeowner, you may be asked to try and release equity from the value of your home to help pay off debts. Sometimes a remortgage may attract higher interest rates. Where a remortgage is not available, your IVA may be extended for 12 months.
  • There are restrictions on the expenditure of a person who enters into an IVA.
  • For an IVA to be approved, you will need 75% of your voting creditors by value of debt to approve the proposal.
  • Only unsecured debts included within the IVA may be discharged at the end of the period and unsecured debts not included remain outstanding.
  • Your credit rating will be affected. The IVA will remain on your credit file for 6 years and there are restrictions on obtaining credit while you are in an IVA.
  • Individuals entering into an IVA will be entered on to a publicly searchable record.
DEBT RELIEF ORDER

A DRO usually lasts for one year and during that time your creditors won’t be able to take any action against you for the money you owe. At the end of the year if your circumstances have not changed you will be free of all the debts that are listed in your DRO.

You do not have to pay any monthly instalments towards your debt and should your financial situation qualify for this resolution, it is a cheaper option than Bankruptcy.

To be eligible for a DRO you must owe less than £20,000 and have less than £50 disposable at the end of the month. You cannot own any more than £1000 of assets and you must have been a resident of England or Wales for at least 3 years.

DRO BENEFITS

  • You clear your debt in a year.
  • You do not have to pay any monthly instalments towards your debts.
  • A Debt Relief Order is not as expensive as Bankruptcy.
  • The courts won’t be involved in the process.
  • Your creditors can’t take any action over the money you owe.
  • The client will not have to pay a penny towards the listed debts.
  • Many of the client’s creditors won’t be able to take action against the client for a year (excluding child support, court fines and confiscation orders, maintenance and student loans).
  • At the end of the year the client will be free of all their debts listed in the order and they will no longer have to pay them off.
DRO IMPORTANT CONSIDERATIONS

  • Strict Income and Expenditure Guideline’s will be applied.
  • Credit rating negatively affected.
  • The client cannot own a car if it’s value is more than £1,000.
  • The client cannot have more than £1,000 in assets.
  • The client can have no more than £20,000 of unsecured debt.
  • If the client’s financial circumstances significantly improve within the year, the debts may revert back to the client to pay.
  • The client must have lived, had a property or carried on a business in England or Wales for the last 3 years.
  • There is a £90 upfront fee for this solution, which can be paid in monthly instalments over 6 months.
  • The clients details will be recorded on a public register.
TRUST DEEDS

If you are a resident of Scotland and find yourself in a position where your debts outweigh your assets, a Trust Deed may be the right option. It’s a formal agreement between yourself and your creditors and at the end of a 4 year term the outstanding balances on your included debts will usually be written off.

You will only be asked to pay an affordable amount each month until the Trust Deed is completed and your creditors will not be allowed to contact you once it is in place.

TRUST DEED BENEFITS

  • Trustee assigned to deal with all creditor contact.
  • All interest and charges on the debts are frozen on the date the Trust Deed is signed.
  • Once the Trust Deed has been given protected status, no further action can be taken against you by your creditors.
  • Single affordable payment over set term.
  • After paying the Trust Deed for the defined term, usually 48 months, any remaining debt is written off.
TRUST DEED IMPORTANT CONSIDERATIONS

  • If the Trust Deed fails, your creditors may pursue sequestration. .
  • If you are a homeowner, you may be asked to try and release equity from the value of your home to help pay off debts. Sometimes a remortgage may attract higher interest rates. Where a remortgage is not available, your Trust Deed may be extended for 12 months..
  • There are restrictions on the expenditure of a person who enters into an Trust Deed.
  • For a Trust Deed to be approved, you will need the majority of your creditors to approve the proposal.
  • Only unsecured debts included within the Trust Deed or protected trust deed may be discharged at the end of the period and unsecured debts not included remain outstanding.
  • Your credit rating will be affected. The Trust Deed will remain on your credit file for 6 years and there are restrictions on obtaining credit while you are in a Trust Deed.
  • Individuals entering into an PTD will be entered on to a publicly searchable record.

Calls charged at standard rate
SPECIALIST ADVICE ON DEBT WRITE OFF SOLUTIONS

If you’re struggling with unaffordable debt then we can offer you a smarter solution helping you to move forward.

We’re here to help people like you regain control of your finances so why wait – call one of our specialist team now on 01872 630050.

WE LIKE HELPING PEOPLE GET BACK ON TRACK

No obligation advice to help you get finances back on track and under control

No obligation advice to help you get finances back on track and under control

WHAT DO OUR CUSTOMERS THINK?

WELL, THIS IS WHAT THEY HAVE TO SAY
0

DAYS OF HARD WORK

0

YEARS COMBINED EXPERIENCE

0

COFFEE CUPS A WEEK

0

STAR QUALITY

IVA AND TRUST DEED BENEFITS

*Write off up to 90% of your debt
One affordable payment to deal with all qualifying, unsecured debt.
Freeze interest and charges.
Stop all legal action.
Legally prevent your creditors pursuing you for payment.
Stop bailiff action.
Reduce term to clear all included debts.
All included creditors are dealt with for you.
There are important considerations to entering an IVA or Trust Deed. Your advisor will discuss these in detail, based on your own circumstances.
*A debt write off of 25-85% is realistic, however the amount written off will depend on your own financial circumstances and cases must be approved by the majority (by value) of your creditors. To qualify for this solution you must have at least £5000 of qualifying unsecured debt owed to 2 or more creditors.

AT OPENSKIES WE PROMISE YOU

Clear, honest, expert advice – always without obligation.
No upfront cost – you will never pay us directly for any work we do for you.
Complete discretion assured at all times.
Dedicated Case Officer throughout the advice and application process.
We will speak to your creditors on your behalf, where appropriate.
Free, personalised, debt advice pack emailed after every full consultation.
15 years experience in debt advice.
Contact available through phone, email, WhatsApp and Messenger.
happy-family-on-beach-1

OVER 15 YEARS COMBINED EXPERIENCE HELPING PEOPLE GET BACK ON TRACK

CALL 01872 630050 AND LET US HELP YOU

OVER 15 YEARS COMBINED EXPERIENCE HELPING PEOPLE GET BACK ON TRACK

CALL 01872 630050 AND LET US HELP YOU

Send us a message and start taking back control today

[recaptcha]

Money Advice Service Logo

The Money Advice Service are an independent service, set up by government to help people make the most of their money, they give free, unbiased money advice to everyone across the UK – online, over the phone and face to face.

Please follow the links below for to further impartial information about dealing with debts:

England and Wales

The Insolvency Service – In debt – dealing with your creditors

Northern Ireland

Department for the Economy – In debt – dealing with your creditors

Scotland

Scottish Executive – Dealing with Debt – finding your feet

Openskies Money Privacy Policy

1. Introduction

1.1 We are committed to safeguarding the privacy of our website visitors and service users.

1.2 This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users; in other words, where we determine the purposes and means of the processing of that personal data.

2. Credit

2.1 This document was created using a template from SEQ Legal (https://seqlegal.com).

3. How we use your personal data

3.1 In this Section 3 we have set out:

(a) the general categories of personal data that we may process;

(b) [in the case of personal data that we did not obtain directly from you, the source and specific categories of that data];

(c) the purposes for which we may process personal data; and

(d) the legal bases of the processing.

3.2 We may process your account data (“account data“). The account data may include your name and email address. The source of the account data is you. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business.

3.3 We may process your personal data that are provided in the course of the use of our services (“service data“). The service data may include name, address, telephone number, email address, gender, date of birth, relationship status, employment details, income details, previous address history, health conditions and vulnerabilities, personal details of people you live with, financial history, including details of personal liabilities and assets. The source of the service data is you and, where appropriate. and with your prior consent, credit reference agencies and companies or individuals you have debt with. The service data may be processed for providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is the proper administration of our website and business.

3.4 We may process information contained in any enquiry you submit to us regarding services (“enquiry data“). The enquiry data may be processed for the purposes of offering, marketing and selling relevant services to you. The legal basis for this processing is consent.

3.5 We may process information relating to our customer relationships, including customer contact information (“customer relationship data”). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you. The source of the customer relationship data is you. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers. The legal basis for this processing is our legitimate interests, namely the proper management of our customer relationships.

3.6 We may process information contained in or relating to any communication that you send to us (“correspondence data“). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.

3.7 We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.

3.8 We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.

3.9 In addition to the specific purposes for which we may process your personal data set out in this Section 3, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

3.10 Please do not supply any other person’s personal data to us, unless we prompt you to do so.

4. Providing your personal data to others

4.1 We may disclose your personal data to our Principal insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy. Our Principal is Two Financial Services Ltd. Details can be found at www.twofinancialservices.com

4.2 We may disclose your personal data to companies with which we have agreements to provide debt solutions to our clients insofar as reasonably necessary for the purposes of offering, marketing and selling relevant services to you. The legal basis for this processing is consent. Each such third party will act as a data controller in relation to the application data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party’s use of your personal data.

4.3 In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

5. Retaining and deleting personal data

5.1 This Section 5 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.

5.2 Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

5.3 We will retain your personal data as follows:

(a) service data, correspondence data, enquiry data, customer relationship data and account data will be retained for a minimum period of five years following the last date at which any advice was provided to you by ourselves and for a maximum period of six years following the last date at which any advice was provided to you by ourselves.

5.4 In some cases it is not possible for us to specify in advance the periods for which your personal data will be retained. In such cases, we will determine the period of retention based on the following criteria:

(a) the period of retention of service data, correspondence data, enquiry data, customer relationship data and account data will be determined based on FCA regulatory requirements.

5.5 Notwithstanding the other provisions of this Section 5, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

6. Amendments

6.1 We may update this policy from time to time by publishing a new version on our website.

6.2 You should check this page occasionally to ensure you are happy with any changes to this policy.

7. Your rights

7.1 In this Section 7, we have summarised the rights that you have under data protection law. Some of the rights are complex, and not all of the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.

7.2 Your principal rights under data protection law are:

(a) the right to access;

(b) the right to rectification;

(c) the right to erasure;

(d) the right to restrict processing;

(e) the right to object to processing;

(f) the right to data portability;

(g) the right to complain to a supervisory authority; and

(h) the right to withdraw consent.

7.3 You have the right to confirmation as to whether or not we process your personal data and, where we do, access to the personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal data. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.

7.4 You have the right to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

7.5 In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are: you contest the accuracy of the personal data; processing is unlawful but you oppose erasure; we no longer need the personal data for the purposes of our processing, but you require personal data for the establishment, exercise or defence of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data. However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.

7.6 In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are: you contest the accuracy of the personal data; processing is unlawful but you oppose erasure; we no longer need the personal data for the purposes of our processing, but you require personal data for the establishment, exercise or defence of legal claims; and you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data. However, we will only otherwise process it: with your consent; for the establishment, exercise or defence of legal claims; for the protection of the rights of another natural or legal person; or for reasons of important public interest.

7.7 You have the right to object to our processing of your personal data on grounds relating to your particular situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or in the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defence of legal claims.

7.8 You have the right to object to our processing of your personal data for direct marketing purposes (including profiling for direct marketing purposes). If you make such an objection, we will cease to process your personal data for this purpose.

7.9 You have the right to object to our processing of your personal data for scientific or historical research purposes or statistical purposes on grounds relating to your particular situation, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

7.10 To the extent that the legal basis for our processing of your personal data is:

(a) consent; or

(b) that the processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract,

and such processing is carried out by automated means, you have the right to receive your personal data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.

7.11 If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.

7.12 To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.

7.13 You may exercise any of your rights in relation to your personal data [by written notice to us] OR [by [methods]][, in addition to the other methods specified in this Section 8].

8. Our details

8.1 This website is owned and operated by Open Skies Money Ltd

8.2 We are registered in England and Wales under registration number 10076559, and our registered office is at 2 Ocean Court Eastcliff, Porthtowan, TR4 8AP

8.3 Our principal place of business is at Health & Wellbeing Innovation Centre, Treliske, Truro, TR1 3FF

8.4 You can contact us:

(a) by post, to the Health & Wellbeing Innovation Centre, Treliske, Truro, TR1 3FF;

(b) by telephone, on 01872 630050; or

(c) by email, using info@openskiesmoney.co.uk

9. Data protection officer

9.1 Our data protection officer’s contact details are: Ben Styles – 01872 630050, Open Skies Money, The Health & Wellbeing Innovation Centre, Treliske, Truro, TR1 3FF.

How we use Cookies

Cookies

Some of the cookies we deploy are essential to make our site work. Other cookies we use help to improve the site content for visitors by showing us how you use our site and also helps to re-target you with promotions when visiting other sites or platforms.

Types of cookie

There are two types of cookie which we use when you navigate any of our online areas.

Session Cookies – these will be stored on your computer or device for as long as your browsing lasts and is deleted once the browser is closed. These cookies can also be used to validate security or confirm when you are logged in to a secure area.

Persistent Cookies – also known as stored or permanent cookie, these are stored on your computer or device until it expires or when the user deletes it. These cookies are used to re-target products to you on other websites or platforms such as Facebook. They can also be used store preferences when logging on to our website.

What these cookies are used for and how we class them The International Chamber of Commerce guide to cookie categories for the UK details four categories.

Strictly Necessary – These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website.

Performance – These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages.

Functionality and profile – These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features.

Targeting – These cookies are used to deliver adverts more relevant to you and your interests on other sites as well as ours. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaigns Below is a list of where the cookies our Group sites deploy, or related pages on other platforms, come from and how they can be classed.

Where do our cookies come from:

Cookies left by Group websites – Strictly necessary, Performance
Google Analytics – Performance
Google Adverts – Targeting
Trust Pilot – Performance
Live chat Services – Strictly necessary, functionality
Quantcast – Targeting
Facebook – Targeting
Cloudflare – Functionality
You Tube – Performance, functionality
Digital Point – Performance

We don’t use the data gathered through cookies we directly deploy to contact you via post, email or phone. We do use cookies to show you subtly tailored content on our website or other websites of things we think you might be interested in, but only in relation to OSM products and services. If you wish to find details on cookies then visit www.aboutcookies.org. This site details how you can manage and remove cookies through different browsers. It also carries general information about cookies, how they are used and what for. Mobile users should consult their phone manual or manufacturer website for more details.

Complaints Procedures

Introduction

At Open Skies Money Ltd, we take complaints extremely seriously. We want to provide the best possible service to our customers and although we do aim for excellence, we understand that unfortunately, sometimes we may not meet our own high standards. If your expectations of our service have not been met, the below outlines our complaints handling procedure.

Contact Us

Customers wishing to make a complaint can contact Open Skies Money Ltd via telephone, email or in writing.

By Telephone:
01872630050 (UK standard rate)

By Email:
info@openskiesmoney.co.uk

By Post:
Complaints Department
Open Skies Money Ltd
HWIC
Treliske
Truro
TR1 3FF

Process

Open Skies Money strive to resolve any complaints as quickly as we can, however some cases may be more complex and therefore require more investigation than others.

If your complaint is resolved by the close of business 3 working days following receipt, you will receive a summary of this, along with your rights for further escalation should you subsequently remain dissatisfied.

If your complaint remains unresolved after the close of business 3 working days following receipt, this will be escalated to our Complaints Department who will acknowledge your complaint. Our Complaints Team may need to contact you if further information is required to allow us to better understand your concerns and assess and review these appropriately. Within eight weeks of receiving your complaint, our team will either send you their final response confirming the outcome of their findings, or confirmation that an extension is required, explaining why this is the case and indicating when they expect to be able to complete their review and provide their final response.

 

Financial Ombudsman

If you are dissatisfied with the outcome of our final response communication, you have the right to complain to the Financial Ombudsman Service (FOS), but must do so within six months of the date of the final response. We will also provide you with a leaflet with our final response, detailing how to complain to FOS.

The FOS can be reached via the below contact methods:

By Telephone:
0800 023 4567 or 0300 123 9123

By Email:
complaint.info@financial-ombudsman.org.uk

By Post:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

For further information about the Financial Ombudsman Service, you can also visit www.financial-ombudsman.org.uk

IVA Customers

If you have a complaint about the way your Individual Voluntary Arrangement has been handled, you can inform the Insolvency Service of your concerns. The Insolvency Service has set up a ‘Gateway’ service on their website for customers to report complaints via the completion of an online form. This can be found at the link below:

http://www.insolvencydirect.bis.gov.uk/contactus/ipcomplaint/complaintform.htm

Once completed, this form can either be printed and posted to the Insolvency Service, or saved as a PDF and emailed to them.

By Post:
IP Complaints
Insolvency Service
3rd Floor
1 City Walk
Leeds
LS11 9DA

By Email:
ip.complaints@insolvency.gsi.gov.uk

If you have any queries about the Insolvency Service process, you can call the Insolvency Service Enquiry line on 0300 678 0015 (Monday to Friday 9:00am -5:00pm).

 

openskies money logo

Open Skies Money Limited is an Appointed Representative of Two Financial Services Limited who are authorised and regulated by the Financial Conduct Authority under Authorisation Number: 671355

Registered with the Information Commissioners Office.

Registration Number: ZA175182

Company Information

Office: The Health & Wellbeing Centre, Treliske, Truro, Cornwall, TR1 3FF

Registered Address: 2 Ocean Court, Eastcliff, Porthtowan, TR4 8AP

Registration Number: 10076559

© Openskies Money

The Money Advice Service is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services.