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Copyright & Terms and Conditions


The content of this and any other site related to Credit Management Group UK (Merseyside) Ltd ® (content being images, text, sound and video files, programs and scripts) is copyright © Credit Management Group UK (Merseyside) Ltd ®. All rights are expressly reserved.

Monthly Payments

CMG UK offer members an option to pay monthly. This payment agreement is conditional on a 1 off joining fee of £84.00 plus VAT being paid at time of subscription then monthly payments of £28.00 per month.

There is a minimum of 12 months subscription, after which point payments will continue to be deducted until such time as CMG UK receive 1 months written notification of termination.

If the user cancels payment before the minimum 12 month period has been completed, CMG UK reserve the right to apply for immediate payment of the outstanding balance of the rest of the term.

CMG UK reserve the right to claim interest and compensation on all overdue payments in line with the late Payment of commercial debts (interest) act 1998 as amended by the Late Payment of commercial debts Regulations (2002)

Use of Content

The content of this website can be accessed, printed and downloaded in an unaltered form (unaltered including being stretched, compressed, coloured or altered in any way so as to distort content from its original proportions or format) with copyright acknowledged, on a temporary basis for personal study which is not for a direct or indirect commercial use and any non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from , without the prior written consent of Credit Management Group UK (Merseyside) Ltd ®. By using Credit Management Group UK (Merseyside) Ltd ® sites or services, you agree that you may not use any part of such service for any illegal purpose.

Data Submitted by You

You warrant that you have taken all reasonable precautions to ensure that any data you submit to this Website is true and accurate and free from viruses or anything else which may have a contaminating or destructive effect on any part of this Website or any other technology owned/operated by Credit Management Group UK (Merseyside) Ltd ®

Access to this Website and Content

We will endeavour to allow uninterrupted access to this website, but access to the website may be suspended, restricted or terminated at any time. We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on this Website from time to time. We assume no responsibility for the content or services of any other websites to or from which this Website has links.

Delivery Policy

After subscribing, you will immediately receive an e-mail confirmation from asking you to activate your subscription. If you have any problems with your subscription, please contact us and we will respond within twenty fours hours of receipt of your query.

Returns Policy

We operate a “no nonsense” guarantee, which means that if for any reason you are not fully satisfied with your subscription and have not used the credit reports or ‘ask the expert’, simply email us within 48hours of activating your account. We will issue a full refund for the price you paid. If you have subscribed due to an error we have made, we will refund the delivery charges.

Use of Financial Data

Our payment system uses PayPal, a secure system. We do not have access to any financial information entered into the payment system.

If a payment is taken by ourselves over the phone or by email. After processing the agreed payment, we will immediately destroy your financial data by shredding on site. To clarify, we do not keep on site, on our servers or by any other method any financial data relating to our customers.

Privacy Policy

Please click HERE to view our privacy policy.

E-Learning Terms & Conditions

Please click HERE to view our E-Learning Terms & Conditions


VAT is charged on all products and subscriptions at the prevailing rate.

Credit Management Group UK (Merseyside) Ltd is registered for VAT. Our VAT number is: 921 904 241

For VAT receipts for subscription payments. Please contact us at

Contact Information

Credit Management Group UK (Merseyside) Ltd is a company registered in England and Wales.

Company Number: 4950171
VAT Number 921 904 241

Office Address:

Marwood House, Riverside Park, Southwood Road, Bromborough, Wirral, CH62 3QX

Registered Office:

1 Abbots Quay, Monks Ferry, Birkenhead, CH41 5LH