Access to and use of this Ardent Credit Services Ltd., t/a “Debt & Revenue Services” (Ardent) website is subject to the following terms and conditions and the laws of England and Wales.
Copyright © Ardent Credit Services Ltd, 2020. All rights reserved. All copyright and other intellectual property rights in all text, images, sounds, software, and other materials on this site are owned by Ardent or are included with permission of the relevant owner.

You are permitted to browse this site, use relevant tools to self-service your debt repayment and to reproduce extracts by way of printing, downloading to a hard disk and by distribution to other people but, in all cases, for non-commercial, informational and personal purposes only. No reproduction of any part of the site may be sold or distributed for commercial gain, nor shall it be modified or incorporated in any other work, publication, or site. No other license or right is granted.
Registered company/office
Ardent Credit Services Ltd, (t/a Debt & Revenue Services).
1st Floor, Moorgate Point
Moorgate Road, Knowsley Industrial Park
Liverpool, L33 7XW

Registered in England No.: 04691960 VAT number: 693414421
Authorised and Regulated by the Financial Conduct Authority for the collection of debts due under consumer credit and consumer hire agreements
All trademarks displayed on this site are either owned or used under license by Ardent or any affiliate.

The information on this site has been included in good faith but is for general informational purposes only. It should not be relied on for any specific purpose and no representation or warranty is given as regards its accuracy completeness or fitness for any particular purpose or any site linked to it. Save to the extent that such limitation is not permitted under English law neither Ardent, nor any of its affiliates, nor employees shall be liable for any loss, damage or expense arising in contract, tort or otherwise out of any reliance on information contained in this site, access to or use of or inability to use this site or any site linked to it including, without limitation, any loss of profit, indirect, incidental or consequential loss.

Your information and activity on this site must not:
  • be false, inaccurate, or misleading
  • be in breach of any applicable laws, regulations, licenses, or third-party rights
  • interfere in any way with the proper working of the site and in particular you must not circumvent security, tamper with, hack into or disrupt the operation of the site or surreptitiously intercept, access without authority or expropriate any system, data or personal information as defined in the Data Protection Act 2018.
The Ardent Privacy Policy is available via the relevant link on the website.

This site is intended normally to be available 24 hours a day and 7 days a week. Ardent will not be liable for any failure to achieve this level of availability.

The site may be suspended temporarily and without notice in circumstances of system failure, maintenance, or repair or for reasons beyond the control of Ardent.

Use of Cookies is described in the Cookie Policy available on the website via the relevant link and by continuing to use the website users agree to the use of Cookies.

You agree to fully reimburse Ardent in respect of all losses, costs, actions, claims, and liabilities incurred by Ardent or its affiliates, as a result of any breach or non-observance by you of these terms or any data submitted by you to us.

Ardent will make all reasonable attempts to exclude viruses (and similar destructive devices) from the site but cannot guarantee the exclusion of viruses (and similar destructive devices) and you should take appropriate steps yourself in respect of this risk.
Payment portal
Payment portal on Ardent’s site is an integrated solution provided by SagePay (Opayo) and set to comply with Strong Customer Authentication rules.
By setting your repayment plan and providing your payment card details for the repeat payment transactions (Continuous Payment Authority (CPA)) you agree with SagePay (Opayo) storing the Credential on File data that will be used for:
  • Enabling payment processing via your card provider for amounts you have chosen and at the intervals that you have chosen.
  • Ending the repayment plan promptly upon its completion.
  • Promptly informing Ardent of all payment transactions for the maintenance of your repayment plan.
Your agreement to any agreed repayment plan:
  • Can be ended at any point by you contacting Ardent team either by phone or in writing (post/email) and any stored credentials on file will be removed at this point.
  • Will end upon the completion of the repayment plan in respect of the relevant debt.
  • You will NOT be charged by Ardent or SagePay (Opayo) for any failed payment instalments under CPA.
We will send you a confirmation by post or email of the agreed repayment plan and how your CPA will be managed and can be cancelled.
Linked sites
At various points throughout the site you may be offered automatic links to other internet sites relevant to an aspect of this site. This does not indicate that Ardent or affiliates, are necessarily associated with any of these other sites or their owners. While it is the intention of Ardent that you should find these other sites of interest, Ardent nor affiliates, nor their employees shall have any responsibility or liability of any nature for these other sites or information contained in them.
These terms shall be governed by and construed in accordance with English Law and each party to these terms submits to the exclusive jurisdiction of the English Courts.