Debt Advisory Line FAQs

Have the terms of business of my DMP changed?

No, you remain on Debt Advisory Line’s Terms of Business. On 13th December, we wrote to you to give notice that we will bring your Terms into line with Gregory Pennington’s. This change will take effect on or after 20th January 2018. Please note that your fee will not change. If you don’t want to accept the changes and want to cancel your DMP you can do so.

Who is Gregory Pennington?

Gregory Pennington Limited is an established provider of a comprehensive range of debt-related products and services in the UK.

We provide advice and offer customers access to the full range of debt solutions available in England, Wales and Northern Ireland as well as all Scottish debt solutions.

Gregory Pennington offers debt solutions and services on an advised basis. These include, Debt Management Plans, Debt Arrangement Schemes in the form of a Debt Payment Programmes and Debt Relief Orders. Gregory Pennington also provides advice and assistance to customers undertaking bankruptcy proceedings and Debt Relief Orders and advises on IVAs, Trust Deeds and Sequestration (and the Minimum Assets Process) which are then administered by sister companies; Freeman Jones and Wilson Andrews respectively.

Gregory Pennington is authorised and regulated by the Financial Conduct Authority – Firm Reference Number 664019.

I am struggling to make my Debt Management Plan (DMP) payments – can you help?

Yes of course. Just give us a call on 0161 672 89 89 and we will review your Income and Expenditure with you to ensure that your DMP remains affordable.

Will you continue to pay my lenders?

Yes, we will continue to distribute payments to your lenders as before. You can find further details of what happens to your money here.

How do I know my money is safe?

Gregory Pennington is authorised and regulated by the Financial Conduct Authority (FCA). As part of our authorisation, we are required to follow FCA rules in how and where we hold client money. This includes having client money bank accounts, separate to our own business accounts, which are ring fenced and regularly audited. At any time, you can ask us for a statement, showing the payments that you’ve made and the money we’ve distributed to your creditors. You can find further details of what happens to your money here.

Will I still get a regular financial review of my DMP?

Absolutely, yes. It is vital that we complete a review with you at least once a year, to ensure that your DMP remains suitable and affordable for you. A month before your review falls due we will start to contact you by email and post to ask you to book a time for your review that suits you. You can find more information about Annual Reviews and why they are so important here.

If your circumstances change, we will do a review with you at any time – just give us a call on 0161 672 89 89.

Will my lenders be notified?

Yes, we have already been in touch with the creditors included in your DMP, and we are dealing with them on your behalf.

Will I start to receive creditor contact again?

Providing you continue to make your DMP payments then there is no reason for creditors to start contacting you again. Your DMP remains in place.

Should I call to introduce myself to you?

There’s no need to call to introduce yourself – although please do get in touch if you have any concerns or questions. Over the next few weeks and months we will contact you to conduct a financial review with you, to ensure that your DMP remains suitable and affordable for you.

Have you been given all my details from DAL?

Yes, DAL has passed on the details that they held about you to us, so we can continue to manage your DMP and provide you with the service that you expect.

Will I still get my statements?

You will get a statement from us once a year, showing the progress you are making with your DMP. We’ll soon be giving you access to Gregory Pennington Online, so you will be able to login to keep an eye on the progress of your DMP. You can also request a statement from us at any time.

I can’t afford my payment this month who do I call?

If you are struggling to make your payment please give us a ring on 0161 672 89 89.

I have been receiving creditor contact and letters. Where do I send them?

Please take a picture of the creditor post that you are getting and email it to us via [email protected]. Please make sure that the image is clear and readable and remember to include your DAL reference number in the email. Alternatively, if you have any Debt Advisory Line reply paid envelopes please use those to send it to us. Or, if you prefer, you can post it to us – please address it to: Freepost Plus RRUR - GJAG – RUEL, Gregory Pennington Ltd, Personal Finance Department, PO Box 217, Stockport, SK12 1GL – please write you GP reference number on the correspondence before you post it.

Why do I have to complete a Direct Debit mandate?

Soon, we will no longer be able to collect payments from customers who make their DMP payments by Continuous Payment Authority. We are writing / emailing to all these customers asking them to complete a Direct Debit mandate. Please return your mandate either in the post or online by 8th January.

Can I still make my monthly payment via the Debt Advisory Line website?

Yes you can.

Will you continue to use the DAL Reference Numbers?

We will continue to use DAL Reference Numbers for a short time, but we will be phasing them out. You’ll see that emails and letters we send you carry your new eight digit Gregory Pennington reference number. Please quote this whenever you contact us.

Why can I no longer access Debt Advisory Line’s online service?

We are in the process of transferring your online access to our own service – Gregory Pennington Online. When the transfer is complete – early in 2018 – we will contact you with details of how to login.

I need additional support for health / personal reasons – can you help?

Yes of course. Just call 0161 672 89 89 and we will do all we can to provide the support that you need.

How will you use my personal data?

Protecting your personal information is important to us. You can see Gregory Pennington’s Privacy Policy here.

How can I close my DMP?

If you want to close your DMP please call us on 0161 672 89 89.

How do I complain?

You can make a complaint in writing or by telephone. Please call 0161 672 89 89 or write to Gregory Pennington, Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. You can find Gregory Pennington’s full complaints procedure here.

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