Definition: "Debt Register" and "Unpaid Debt Register" (The Register) are trading names of The Ability Organisation Ltd (The Company) The person or organisation that submits information for inclusion in the register is The Customer (Creditor).

1. The customer shall pay an annual membership fee which is ongoing and renewed automatically each year until cancelled.

1a. Cancellation must be received in writing at least 14 days before the renewal date.

2. The customer contracts the company to keep the supplied information on behalf of the customer.

3. The customer agrees that all information supplied is true and valid and the customer agrees to  indemnify the company against any and all legal action or claims against the company as a result of the information supplied being incorrect, out of date, or harmful in any way to any third party.

4. The customer grants the company full editorial discretion and the company reserves the right not to include, or to alter, suspend, or remove any listing at any time for any reason. In the event of non inclusion, alteration, suspension, or removal from the registry, the customer shall not be entitled to a refund or compensation.

4a. In the event that a debtor disputes any of the information supplied and complains directly to the customer the customer agrees to inform the Debt Register in writing without delay.

4b. The customer also agrees to inform the Debt Register immediately in writing as soon as any debt has been resolved.

5. The Company accepts no liability for loss of service, unavailability of files, damage of data, misuse of equipment by other customers, failure of any externally managed equipment or communications devices or other services deemed to be beyond the Company’s control.

6. It is agreed that any contract between the company and the customer is to be governed by English Law and no other. It is also agreed that any dispute or grievance between the company and the customer shall be resolved by arbitration either in The Slough County Court or by the Arbitration Service Offices in London SW1 with each party responsible for their own legal costs.

6a. If the customer has a complaint they must follow the companies complaint procedure which is detailed on our complaints page.

7. The company reserves the right to alter or amend these terms and conditions at any time and without notice.

8. The information contained on this website may not be used in a court of law.

9. The information contained on this website, including all images and/or graphics may not be reproduced, copied, displayed, or used for any purpose without the written consent of the company.

COMPLAINTS

If we hold information about you or your company or organisation which is inaccurate or incorrect you have a right to complain. In the first instance you should contact us in writing, either by letter, email, or using the Complaint Form and include the following information:

1. State exactly who you are and in what capacity you are writing (whom you represent).

2. State exactly the nature of your complaint and give a reason/s as to why you want the information amended or withdrawn.

3. Provide a contact name, address, and phone number in order that we can contact you.

Please note that we cannot consider complaints if you do not provide this information.

WHAT WE WILL DO

We will immediately remove the information held until we can put your complaint to our customer and they have responded or we decide to reinstate it or delete it. It is up to our customer to accept or reject your claim. If the complaint is rejected and we are instructed to reinstate the information and you feel you still have a complaint. You should then address your complaint to the Financial Ombudsman Service.

If you are not satisfied with the way we deal with your complaint you have a right  to take your complaint to the Financial Ombusman Service (FSO)

Their contact details are:

Last Revised 03/03/2011