Terms & Conditions for Debt Submission

By submitting this form, you confirm and agree to the following:

1. Authority to Instruct

I confirm that I am authorised to instruct Paragon Credit Management (“PCM”) on behalf of the creditor and that PCM is authorised to act in the recovery of the debt(s) submitted.

2. Accuracy of Information

I confirm that all information provided is accurate, complete, and truthful to the best of my knowledge. I understand that PCM will rely on this information when undertaking recovery action.

3. Validity of the Debt

I confirm that:

• The debt is valid, due, and payable.
• No other agency, solicitor, or third party is currently instructed to collect the same debt unless disclosed.
• The debt has not been assigned or sold to another party unless disclosed.

4. Statute‑Barred Confirmation

I confirm that the debt(s) submitted are not statute‑barred under the Limitation Act 1980 and that legal action remains permissible should it be required.

5. Disputes and Complaints

I confirm that any known disputes, complaints, or challenges raised by the debtor have been fully disclosed. If the debt is disputed, I understand that PCM may suspend action until supporting evidence is provided.

6. Insolvency Status

I confirm that the debtor is not known to be insolvent, dissolved, in liquidation, administration, or subject to any insolvency proceedings unless disclosed in the submission.

7. Supporting Documentation

I agree to provide PCM with all relevant supporting documents upon request, including invoices, statements, contracts, delivery notes, and correspondence. I understand that PCM may be unable to proceed without adequate documentation.

8. GDPR & Data Protection Compliance

I confirm that:

• I have a lawful basis to share the debtor’s personal or business data with PCM.
• Any required privacy notices have been issued to the debtor where applicable.
• All data provided has been collected and shared in compliance with UK GDPR and the Data Protection Act 2018.

I acknowledge that PCM will process the data solely for the purpose of debt recovery and in accordance with its Privacy Policy.

9. Use of Third Parties

I understand and agree that PCM may share relevant information with:

• Tracing agents
• Solicitors
• Courts
• Enforcement agents
• Credit reference agencies (commercial)
• IT and secure data‑processing providers

Only where necessary for the recovery of the debt.

10. Recovery Approach

I acknowledge that PCM will undertake pre‑legal recovery activity as standard. PCM will not commence legal action without my explicit written approval.

11. Fees and Charges

I agree to PCM’s fee structure and terms of business, which will be provided upon instruction or upon request. I understand that fees may be payable by the creditor unless otherwise agreed in writing.

12. Indemnity

I agree to indemnify and hold harmless PCM against any loss, claim, liability, or cost arising from:

• Incorrect, misleading, or incomplete information supplied
• Submission of unenforceable or statute‑barred debts
• Failure to disclose disputes or insolvency
• Breach of data protection obligations by the creditor

13. Communication

I consent to PCM contacting me via email or telephone regarding the submitted debt(s) and any related matters.

14. Acceptance

By submitting this form, I confirm that I have read, understood, and agree to these Terms & Conditions.