Glossary of Terms

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Jargon	Description
Unsecured Debt	This refers to a loan, credit card, store card or catalogue where monies are not secured on any asset or property.

Express Debt Test
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Total of unsecured debt Number of creditors Income Residential Status First name Surname Email Landline Number Mobile Number

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DEMSA : Baines and Ernst are proud to be a member of DEMSA (Debt Managers Standards Association) and fully subcribes to the DEMSA Code of Conduct.

Authorised and regulated by the Financial Services Authority for insurance mediation services and subject to the Financial Ombudsman Service.

Baines and Ernst Ltd
Registered in England and Wales: 3167325
City Wharf
New Bailey Street
Manchester, M3 5ER.

FSA Reg No 312318
Data Protection Registration No. Z8931509
Consumer Credit Licence Number 408014
VAT Registration: 628700343.