Misleading Advertising: Person(s) unknown t/a National Debt Help Team​ breaks the UK advertising rules for misleading claims on the debt management lead generation website.

The ASA has published several rulings about ads which offered consumers a way to write off debt in government approved schemes. These ads were not placed by FCA-authorised debt advisers but by lead generation companies or insolvency practitioners, and ultimately advertised services for individual voluntary arrangements (IVAs) [in England, Wales, NI] or protected trust deeds (PTDs) [in Scotland].

In June 2022 we published our Enforcement Notice - Debt management ads by insolvency practitioners and lead generators. Insolvency practitioners and lead generation companies which ultimately advertise an IVA/PTD service must be extremely careful to ensure their advertising is responsible and does not mislead.

The website breaches the Notice because it does not include: a prominent and immediate statement that fees apply to IVA/PTD services, details of the risks associated with an IVA/PTD, and a clear and prominent statement that they are a lead generation company which will pass on customer leads to third parties.

The CAP Compliance team contacted Person(s) unknown t/a National Debt Help Team​ and, in the absence of a response, took the decision on 2 December 2022 to place their company details on this section of the ASA website.

Because of National Debt Help Team's continued non-compliance, we took the decision on 27 March 2024 to reissue these details on this section of the ASA website.

These details shall remain in place until such time as Person(s) unknown t/a National Debt Help Team​ has appropriately amended the website to ensure compliance with the CAP Code.

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