Terms & Conditions

This online payment system and our debt recovery services are provided by C and L Collections, part of The C and L Group, along with its third-party suppliers. These terms and conditions may be updated from time to time, and any changes will take effect immediately. Please ensure you review the current terms before entering into a repayment plan.

1. Acceptance of Terms

Please read these terms and conditions carefully before using our online payment facility or setting up a repayment plan (whether by phone or manually). By using our payment services or entering into a repayment plan, by Direct Debit, you confirm that you accept these terms. If you do not agree, please do not use this service.

2. Payment Conditions

All payments must be made in GBP (£). Any currency conversion fees or additional charges are the responsibility of you the payer.
Payments will usually be reflected on your account by the next working day.
C and L Collections is not responsible for payments that are refused or declined by your card issuer or Direct Debit provider. Any associated charges will be your responsibility.

3. Cancellation

If your Direct Debit is cancelled without your direct notification to us, you will incur charges we may attempt to contact you to reinstate it using the same amount, date, and frequency. You can contact us on 0208 755 7930 or via our online chat service for assistance.

4. Direct Debit Guarantee

All Direct Debits are protected by the Direct Debit Guarantee, which is provided by all banks and building societies that accept Direct Debits.

5. Changes to Direct Debit

If there are any changes to the amount, date, or frequency of your Direct Debit, we will notify you in advance. It is your responsibility to ensure sufficient funds are available when payments are due.

6. Refund Policy

Refund requests must be submitted in writing to: clientqueries@corporateandlegal.co.uk
Refunds are typically processed within three weeks of receiving the request, although this may take longer during busy periods.
Refunds will be returned to the original payment method, in accordance with bank card rules or the Direct Debit Guarantee scheme.

7. Security

All card and bank details entered through our payment gateway are encrypted, and communications between systems are securely protected.
C and L Collections will not be liable for any loss resulting from a failure by the payer to safeguard their payment details or from inaccurate information provided during the payment process.

8. Service Provider

Online card payments are processed by our Payment Service Providers (Harlands or Allpay), not directly by C and L Collections.

You will receive an email confirming whether your payment has been authorised or declined.
Authorised payments will be applied to your account on the next working day.
It is your responsibility to confirm that your payment has been successfully processed or that your Direct Debit has been set up correctly.

9. Data Protection

“Personal data” is defined in accordance with the Data Protection Act 1998.
C and L Collections may collect and process your personal data (and that of any third party making a payment) in line with our data protection policy.

By agreeing to these terms:

You consent to your data being shared with our Payment Service Providers solely for processing payments.
You are responsible for ensuring all personal data provided is accurate and up to date.
C and L Collections is not liable for losses caused by incorrect information.

We may use your information to contact you regarding any issues related to your payment.
For more details, please see our privacy policy: www.candlcollections.co.uk/data-protection-privacy-statement/

10. Charges

The following standard charges may apply:

Direct Debit setup or cancellation: £10.00
Card payment setup: £10.00
Missed payment: £5.00
Account payment review (including income and expenditure assessment): £5.00

Payments you make may be allocated on a pro-rata basis between outstanding debt and charges based on our commercial arrangements with our client

A standard transaction fee of £0.85 per Direct Debit payment applies. These charges may change from time to time. For further details, please contact our office or Direct Debit administrators (Allpay).

Missed or failed payments may increase the total amount owed and could result in additional costs, including legal, enforcement, tracing, or visitation fees.

Contact Details

If you require further information about our online or telephone payment services, please contact our Finance Help Team:
Phone: 0208 755 7930 (Option 3)
Hours: Monday to Friday, 9:00 AM – 5:00 PM

Customer Commitment

We are committed to treating customers fairly. If you are in financial difficulty or need support, please contact us so we can work with you to find a suitable and affordable solution.