The terms.

Who we are.

The Real Debt Guy is a trading name of MM Corp Limited, a company registered in England and Wales.

• Company number: 09564956
• Registered office: 22 Westward Way, Harrow, England, HA3 0SE
• Correspondence address: PO Box 480, Sevenoaks, TN13 9JY
• Email: info@therealdebtguy.com

Throughout these terms, "we", "us" and "The Real Debt Guy" mean MM Corp Limited. "You" means the person using the site or buying a service.

Accepting these terms.

These terms apply to everyone who uses therealdebtguy.com, reads our free content, joins our Community, or buys one of our paid services.

By using the site or buying a service, you confirm that you:

• are at least 18 years old;
• are based in the UK, or your creditor and debt situation are in the UK (our services are designed for UK circumstances, so if you're outside the UK please email us before you buy so we can tell you honestly whether we can help);
• have read these terms and agree to them; and
• have also read our Privacy Policy and Cookies Policy, which are part of these terms by reference.

If you don't agree with any part of these terms, please don't use the site or buy a service. If you're using the site on behalf of someone else, you confirm you have their permission to do so.

What we do and don't do.

The Real Debt Guy provides independent debt information and support. We help you understand what's happening with your creditors and give you the tools and templates to handle it in your own name.

What we do

• Publish plain-English articles, guides, and mindfulness content about debt in the UK.
• Offer a free Budget Planner tool.
• Run a paid Community (private Facebook group).
• Provide paid one-to-one services: the Letter Audit, the Clarity Call, the Private Call, and (when available) the Full Support service.
• Write and review letters, action plans, and template correspondence for you to send in your own words.

What we don't do

• We are not authorised or regulated by the Financial Conduct Authority (FCA). See our Not FCA Regulated page for the detail.
• We don't give regulated financial or debt advice within the meaning of the Financial Services and Markets Act 2000.
• We don't act on your behalf, hold client money, or manage your debts.
• We don't contact creditors on your behalf. Where we help you write to a creditor, the correspondence is sent in your name, from you.
• We're not a debt-management firm, a debt-adjusting firm, an insolvency practitioner, a solicitor, or a claims-management company.

Everything we produce for you is information and support. Any decisions about what to do with that information are yours, and you are always free to seek regulated advice from an authorised firm before you act. See Section 13.

Using the site and free content.

You can read our free articles, guides, and mindfulness content, and use the free Budget Planner, without buying anything. All we ask is that you use them for your own personal, non-commercial purposes.

Our free content is general information. It isn't tailored to your specific situation and it isn't a substitute for regulated advice, legal advice, or professional advice from a qualified accountant, solicitor, or insolvency practitioner.

We do our best to keep the content accurate and up to date, but debt laws, thresholds, and creditor practices change. Please check the "last updated" date on each page and confirm any figures or timescales before you rely on them.

Your account and the Community.

Some of our services need you to give us your name and email address so we can deliver them (for example, when you book a call or upload letters for review). See our Privacy Policy for how we handle that information.

The TRDG Community

Our paid Community is a private Facebook group. To join, you must:

• have an active paid subscription (£15 per month, cancellable any time);
• have a Facebook account that meets Facebook's own terms of service; and
• follow the group rules we post inside the group.

We can remove you from the Community if you break the group rules, are abusive to other members, share other members' personal information without permission, or use the group to solicit business. If we remove you for a rule breach, we do not refund the current month's subscription.

Facebook operates the platform on which the Community sits. We don't control how Facebook processes data or how it displays the group. Your use of Facebook is governed by Facebook's own terms.

Paid services.

When you buy a paid service, you're buying a specific deliverable, on the scope and timescales described on the sales page. Below is a summary. The full description on the sales page for each service is what applies.

Letter Audit (£99)

A written Letter Review and Action Plan covering up to four creditor letters that you upload. Delivered by email within 2 working days of receiving your upload. Includes one round of follow-up questions by email. Working days are Mon–Fri 09:00–17:00 and Sat 09:00–13:00, UK bank holidays excluded.

Clarity Call (£27.50)

A 10-minute one-to-one Zoom audio call. Booked through Calendly at a time you choose. Suitable for a single focused question.

Private Call (£125 for 30 minutes, £249 for 60 minutes)

A one-to-one Zoom audio call at the length you've bought. Booked through Calendly. For deeper conversations that go beyond a single question.

Community (£15 per month)

Rolling monthly access to the private Community group described in Section 5. Cancel any time; access continues until the end of the paid month.

Full Support (quoted per case)

An extended written-support service for people with several creditors and letters. Scoped and quoted individually. When you accept a quote, the terms in that quote take priority over the general descriptions above for that piece of work.

We may add, change, or retire services from time to time. If we retire a service you've already paid for but not yet received, we'll either deliver it as agreed or refund you in full.

Pricing and payment.

Prices for our paid services are shown on the sales page for each service and on the checkout page before you pay. All prices are in GBP (£) and are inclusive of any VAT where applicable. MM Corp Limited is not currently VAT-registered; that may change and, if it does, we'll update our pricing accordingly and any future purchases will show VAT clearly.

Payments are processed by Stripe Payments UK Limited. When you pay, you give your card details to Stripe (not to us). We only see the fact that a payment succeeded, the amount, and the email address you used at checkout. See our Privacy Policy for the detail.

Your bank or card statement will show the payment as THEREALDEBTGUY (or TRDG on shorter descriptors). If you don't recognise a charge, please email info@therealdebtguy.com with the amount and date before raising a chargeback.

Recurring services (currently the Community) are billed monthly on the anniversary of your first payment. You can cancel any time from the link in your welcome email or by emailing us; cancellation takes effect at the end of the current paid month.

Refunds and cancellations.

Our refund position varies by service. The full terms are shown on each sales page at the point of purchase; below is a plain-English summary.

Consumer cooling-off rights

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you normally have 14 days to cancel a purchase of a service made online. However, if you ask us to start work within that 14-day period, you can lose that right in respect of any work already delivered.

Because our services are usually delivered quickly (Clarity Calls the same or next few days, Letter Audits within 2 working days), you'll be asked at checkout to confirm you want the work started immediately, which waives the cooling-off right once the work is delivered. The specific waiver wording is shown at the point you buy.

Letter Audit refunds (£99)

Clarity Call and Private Call refunds

Community subscription (£15 / month)

Cancel any time. Access continues until the end of the paid month. We don't refund part-months.

Full Support

Refund terms for Full Support are set in the quote you accept for the work. Those quote terms take priority for that piece of work.

How to request a refund

Email info@therealdebtguy.com with the payment date, amount, and a short reason. We reply within 2 working days. Approved refunds are processed back to the original payment method within 5 working days by Stripe.

Your responsibilities.

To help us help you, we need you to:

• give us accurate, complete, and up-to-date information about your situation, including who your creditors are, the amounts, and any correspondence you've had;
• upload legible copies of any letters you send us (front and back if it's a two-sided letter);
• use the same email address you paid with when submitting uploads, so we can match your upload to your payment;
• tell us about anything unusual (for example, if you've already contacted the creditor, if you're in an ongoing dispute, or if a solicitor is already involved), because this can change our recommendations materially;
• read the deliverable we send you (the Letter Review and Action Plan, or the notes from a call) before you take action; and
• make your own decisions about whether and how to act on the information. You are always the one sending the letters, replying to creditors, and making the calls.

We reserve the right to decline or refund a purchase if the situation as described turns out to be materially different from what was disclosed at checkout (for example, if it involves matters outside our scope such as court proceedings already in progress, bankruptcy, or non-UK creditors).

Acceptable use.

When you use the site, the Community, or any of our services, you agree not to:

• copy, republish, resell, or redistribute our content, templates, letters, or reports, whether free or paid, without our written permission;
• use our services to threaten, harass, defraud, or mislead any creditor or third party;
• impersonate anyone else, or misrepresent the facts of your situation to us;
• upload, post, or share content that is unlawful, defamatory, discriminatory, obscene, or infringes anyone else's rights;
• share other Community members' personal information, questions, or situations outside the group;
• use the Community, the site, or any communication channel with us to solicit business, sell products or services, or promote debt-management, credit-repair, or lead-generation schemes;
• attempt to access, tamper with, or interfere with the site, its infrastructure, or any account that isn't yours;
• use automated tools (scrapers, bots, crawlers) to extract content from the site beyond what's allowed by our robots.txt; or
• use our services in a way that breaks UK law.

We may suspend or terminate your access, and refuse further business, if you break these rules. Serious or repeated breaches may be reported to the police or relevant authorities.

Intellectual property.

All content on the site (the articles, guides, mindfulness materials, Budget Planner, templates, brand assets, logos, images, videos, audio, code, and design) is owned by MM Corp Limited or licensed to us, and is protected by UK and international intellectual property law.

What you can do

• Read, print, and save copies of our free content for your own personal, non-commercial use.
• Share links to our public pages, and quote short passages, with clear attribution to The Real Debt Guy and a link back to the source page.
• Use the deliverables you buy (your Letter Review and Action Plan, the letters we help you write, notes from your call) in your own dealings with your own creditors. That's what you bought them for.

What you can't do

• Republish or repost our content on your own site, social media as your own work, newsletter, or any commercial platform without our written permission.
• Resell, sublicense, or provide our deliverables as a service to third parties.
• Train an AI or machine-learning model on our content without our written permission.
• Use our name, logo, or brand assets in a way that suggests endorsement, partnership, or affiliation we haven't agreed to.

If you want to use our content in a way not covered above, please email info@therealdebtguy.com and we'll come back to you.

Third-party links and services.

The site links to third-party websites and services (creditor sites, government pages, charities, Facebook, YouTube, Spotify, and others). We include links because we think they're useful, but we don't control those sites and we're not responsible for their content, availability, or how they handle your data.

Some of our services rely on third-party platforms to work: Stripe for payments, Calendly for booking calls, Zoom for the calls themselves, Tally for upload forms, Google Analytics for site measurement, Mailchimp for the newsletter, Vercel for site hosting, and Facebook for the Community group. Each of those has its own terms and privacy notice. Your use of those platforms is between you and them.

If a third-party service becomes unavailable, we'll do our best to work around it (for example, moving a call to a different platform), but we're not liable for outages caused by third parties.

No guarantees on outcomes.

Debt situations are individual. What works for one person may not work for another, and creditor responses vary. So please read this carefully:

• We do not guarantee any specific outcome, including that a creditor will accept a payment plan, write off a debt, remove a marker, stop contacting you, agree to a repayment amount, or take any particular action.
• Our reports, letters, and calls describe what your options look like from where we sit, and what a reasonable approach usually looks like. What actually happens depends on your creditor, your circumstances, and what you choose to do.
• Where we quote timescales (for example, "creditors typically respond within 14 days"), those are typical, not guaranteed. Individual creditors run to their own timetables.
• Nothing we produce is a substitute for regulated debt advice from an FCA-authorised firm, legal advice from a solicitor, or professional advice from an accountant or insolvency practitioner. Where your situation needs one of those, please seek it.

See our Not FCA Regulated page for what regulated debt advice looks like and where to find it.

Our liability.

We take our work seriously, but we need to be realistic about what we can be responsible for.

What we don't limit or exclude

Nothing in these terms limits or excludes our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation; or
• any other liability that cannot be limited or excluded under UK law (including your statutory rights as a consumer under the Consumer Rights Act 2015).

What we do limit

Subject to the section above, our total liability to you in relation to any service we provide is limited to the amount you paid for that service. For the free content and free Budget Planner, our total liability is limited to £100.

We are not liable for:

• loss of profit, loss of business, loss of anticipated savings, or loss of opportunity;
• indirect or consequential losses;
• losses arising from your decision to act (or not to act) on information we've provided, where you had a fair opportunity to seek regulated advice first;
• the acts, omissions, or decisions of your creditors, courts, or any third party;
• outages, downtime, or errors on third-party platforms (see Section 12); or
• events outside our reasonable control (force majeure, illness, connectivity failure, third-party platform outage).

These limits apply whether the claim is in contract, negligence, or otherwise.

Suspending or ending your access.

We may suspend or end your access to the site, the Community, or any paid service (with or without notice, depending on the circumstances) if you:

• break these terms, our acceptable-use rules, or the Community group rules;
• fail to pay a subscription that is due;
• misrepresent your situation to us or to a third party using material we've produced;
• are abusive or threatening to us or another Community member; or
• use our services for anything unlawful.

Where we end your access because of a rule breach, we do not refund fees already paid for services already delivered, nor part-months of a Community subscription.

You can stop using the site any time. To cancel a Community subscription, use the link in your welcome email or email us. To cancel a booked call, use your Calendly confirmation. The refund rules in Section 8 apply.

Changes to these terms.

We may update these terms from time to time, for example when we add or retire a service, when the law changes, or to clarify wording. When we do, we update the "last updated" date at the top of this page and bump the version number.

For material changes that affect your rights or a service you've already paid for, we'll let you know directly (by email if you're a subscriber or customer) before the changes take effect.

The version of these terms that applies to your purchase is the one live on the site at the moment you clicked "buy", unless we agreed something different in writing.

Governing law and disputes.

These terms are governed by the law of England and Wales. Any dispute between you and us will be dealt with by the courts of England and Wales, subject to your statutory rights as a consumer.

If you have a problem with something we've done, please email us first at info@therealdebtguy.com. We'd much rather sort it directly than have anyone go to the trouble of raising a formal complaint or a chargeback. We aim to reply within 2 working days.

If we can't resolve it between us, you may also be entitled to raise the matter with your local Trading Standards service or, for data-related complaints, with the Information Commissioner's Office.

Contact us.

Questions about these terms, or anything else? Get in touch.