Training Example: Advantis Credit Ltd – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[IMG: A Future More Clear]
Slide 1
[IMG: A Future More Clear]
[H1] Supporting our customers on their journey to a future clear from debt

[H2] Finding the Right Solution for You
We understand that people find themselves in debt for all kinds of reasons. We have over 20 years of experience in supporting customers to find the best outcome for their circumstances.

When you contact Advantis you can expect to speak to friendly and experienced experts who will help you to understand your options.
Together we can work toward a future more clear of debt.

[H2]
How can we help?

[IMG: Advantis Payment Icon]

[H2]
MAKE A PAYMENT
It's quick and easy to make a payment by card or via your banking app

PAY NOW

[IMG: Advantis Account Icon]

[H2]
YOUR ACCOUNT
Manage your account and get updates online

LOGIN / REGISTER

[IMG: Advantis Questions Icon]

[H2]
FIND OUT MORE
Use our Frequently Asked Questions (FAQ) to find out more about Advantis and what we do
FAQ

[H1]
Your questions

[H2]
We’re here to help resolve any concerns you may have

We’ve listed below our most common questions and provided answers and guidance below. We also have some specific client FAQ’s you can review

[H2]
General query about an Advantis account

[H5] Who are Advantis?

We’re a debt collection agency working on behalf of some of the UK’s biggest blue-chip companies & public-sector bodies. We are regulated by the Financial Conduct Authority (FCA), and are members of the Credit Services Association (CSA), so you can be confident that we will always act in a professional & compliant manner. Our Collections Agents are debt specialists, and will work with you to find the most appropriate solution for your needs. We’ll be flexible to your circumstances and adapt our approach to suit your situation.

[H5] Why have I been contacted by Advantis?

You will have received a letter or a phone call from us because one of your creditors has passed your account to us. They will have done this because they believe you owe them money. As debt collection specialists, our role is to work with you in order to find the best solution for your circumstances in order to resolve the account.

[H5] Why do you ask me to confirm my address & date of birth details when I call you?

We take the protection of customer data very seriously, and so before we give out any sensitive information or personal details, we want to make sure that we are speaking to the correct individual. In order to do this, we’ll ask you a couple of security questions such as your name, address and date of birth or telephone number, so we can be confident that you are the customer we need to speak to.

[H5] How do I know my card details are secure if I make a payment?

We take customer security extremely seriously, and are compliant with the Payment Card Industry Data Security Standard (PCI DSS). The standard has 12 high level requirements to ensure that card data is protected. This means you can be confident that Advantis are processing your card details in a compliant, secure & responsible way.

[H5] Is it possible to arrange a payment plan with Advantis?

If you can’t afford to pay the whole amount in one go, we’ll help you to set up a payment arrangement that suits your circumstances, is sustainable and affordable. You can do this via our self service portal or you can call us on 01782 401100 where one of our trained advisors will be happy to help. In order to ensure that any arrangement set up meets your circumstances, it would be helpful if you have an idea of your household income and expenditure to hand when you call.

[H5] What happens if I ignore the reminder letters?

There are always solutions to your problems and this is never the right course of action. If you ignore the reminder letters then it opens the door for your creditor to take further action, which may include legal action. If this is a route they take, it could result in further costs being added to the amount you already owe.

[H5] What do I do if I think this debt has already been paid?

The best thing is to get in touch with us. We will ask you some questions to gain an understanding of why the outstanding is not due and, if needed, we will investigate on your behalf with our client. In most cases we will need a few details to aid us in looking into the matter (for example, if you believe the account has already been paid, when was it paid, how was it paid and to who?) so it would help us to resolve the situation quickly if you could provide as much information as possible when contacting us.

[H5] I have received a letter from Advantis, but the named person does not live at this address any longer. What should I do?

If we are trying to contact someone who does not live at the address we hold, please let us know by emailing admin@advantiscredit.co.uk or calling us on 01782 401100. When our clients send us customer accounts they include contact details. We will verify this information with credit reference agencies to make sure we hold the most up-to-date details. Occasionally, despite our best efforts, this information can be out of date which may be why you have received contact from us. Please be assured that this contact will have absolutely no impact on your address or credit file. Once we have been informed that we hold the incorrect information, we will update this on our systems so you receive no further contact from us.

[H5] I can’t afford to pay anything at the moment – what do I do?

The best thing to do is to call us so we understand your circumstances and can explain these to our client. We’ll offer you support and our team will be able to answer any questions you might have about your account. We’ll never ask you to pay anything you can’t afford. If you’re worried about your debts, there are several organisations that offer free confidential and impartial advice.

[H5] Is my unpaid debt affecting my credit file?

Many of our clients update the credit reference agencies in regards to whether or not you are repaying your account. Non-payment can lower your credit score and make it less likely that you can successfully obtain credit (for example, this could include a mortgage, loan, credit card, mobile phone or insurance).
For more information about your credit file, including viewing the information on your file, you can contact one of the three main credit reference agencies; Call Credit, Equifax or Experian.

[H5] Can someone else manage my account/speak to you on my behalf?

Yes, we’re happy to liaise with anyone you choose to act on your behalf – we’ll just need your permission to share your information with them first, and details of what information you’re happy for us to share with them. We work with debt management companies, charities, money advice services and also partners, family and friends who are helping our customers with their finances.

[H5] I would like to give feedback on the service I received. How do I do this?

Advantis are committed to providing a friendly & professional service. If you would like to give us feedback, please complete our Feedback Form.

[H5] How do I make a complaint?

At Advantis we pride ourselves on finding the best solution for our customers. In the event that something has gone wrong and you are unhappy with the service you have received, please click here to view our complaints procedure:  https://www.advantiscredit.co.uk/makeacomplaint/

[H2]
If your account is related to our HMRC client

We work with HMRC to collect a variety of tax debts.
You can confirm our authority to act by visiting the HMRC website: www.hmrc.gov.uk/payinghmrc/debtcollectors

[H5] General Queries

I paid my tax, why do I have a debt?
This could be due to a number of factors. The amount outstanding could be a surcharge relating to late or non-return. The payment could also have been allocated to a different tax year if there was another outstanding amount. It could also be an estimate, penalty or surcharge if a return was not made. We would suggest that you contact us so that one of our trained advisors can investigate this for you.
Why is this the first time I’m hearing of this matter?
HMRC have sent three letters to the address registered with them prior to placing the account with Advantis. If you have not received these it is possible that you have not updated HMRC with your current address.
Please can I have a breakdown of what I owe?
We’re happy to help – please contact us on 01782 401100 and one of our trained advisors will be able to assist you with your query.
I’ve got a tax return due – I don’t need to pay this
The current balance could incur further interest and charges if it remains unpaid, which could lead to you owing more than expected. We would suggest contacting us on 01782 401100 to arrange repayment. If an adjustment is required following your next return then a rebate will be issued by HMRC.
My tax return was wrong
HMRC expect returns to be accurate and on time. Whilst the account is outstanding, HMRC may add further surcharges and interest for non/late-payment. It may therefore be in your best interest to contact us to arrange repayment. Once your next return is submitted a rebate can be calculated by HMRC if due.
My accountant is dealing with this – why do I have penalties
You are the individual responsible in law. Your accountant is not responsible for payment and any enforcement action will be taken against you if payment is not made, therefore we would strongly suggest that you contact us as soon as possible so we can work with you to find the best solution for your circumstances. If you would like your accountant to contact us on your behalf, we will need either a copy of your 64-8 form or written authority from you authorising your accountant to deal with this matter for you.
I gave my accountant the money to pay this
Please contact us providing the details of the payment made to HMRC (date, amount, method of payment, funds cleared date etc.) so we can investigate this matter on your behalf.
My accountant has told me I don’t need to pay this yet
The HMRC process requires that when a balance is produced as an estimate, it is paid on time in line with the process. Non-payment will result in interest and penalties being added to the outstanding balance.
All payments have been made to HMRC
There could be a misallocation of funds and the outstanding amount could be for a different year. If you can contact us and provide us with information on the payment already made to HMRC we can investigate this on your behalf.
I don’t want to pay this as it is offset against a different head of duty
Please provide confirmation in writing from HMRC of the offset arrangement if it has yet to begin. We will then be able to look into this matter for you. If already offset, please provide full details to allow us to investigate.
I think I’m already in a payment plan for this with HMRC
This may be for a different tax year. Please contact us with all the relevant information regarding your payment plan so we can investigate and resolve this for you.

[H5] Self-Assessment

I’ve never been self-employed, why have I had this from HMRC?
The most common reason for a person being registered for self-assessment is that they are self-employed, however there can be many other reasons including:
You’re a company director
You’re a minister of faith (e.g priest)
Your annual income is £100,000 or moreYou have income from savings,
investment or property
You need to claim expenses or reliefs
You or your partner receive Child
Benefit and your income is over £50,000
You get income from overseas
You have income from trusts, settlements and estates
You have Capital Gains Tax to pay (income from sale of asset)
You’ve lived or worked abroad or aren’t domiciled in the UK
You’re a trustee
If none of these reasons seem to fit with your circumstances then please contact us on 01782 401100 where one of our agents can investigate this on your behalf.
I’m no longer self employed
You will need to contact HMRC to de-register as self-employed. In the meantime the outstanding amount is due. We can provide you further information regarding the process to de-register. Please contact us on 01782 401100.

[H5] VAT/Corporation Tax

My company is dormant – I don’t owe this
If HMRC have not been informed that the company is dormant or were informed after the due date then the balance is still due. If you informed HMRC prior to the balance due date, please contact us with the relevant proof (e.g. proof of postage) so we may investigate on your behalf.

[H5] PAYE

I don’t have any employees
HMRC require that submissions are completed regardless of number of employees.
I’ve ceased trading
You will need to contact HMRC to de-register. In the meantime the outstanding amount is due. We can provide you with further information regarding the process to de-register. Please contact us on 01782 401100.

[H5] Tax Credits

The overpayment is likely due to one of two reasons, either;
i) The renewal was not submitted in time which meant that HMRC continued to pay Tax Credits at the previous rate until this was received and the renewal details meant a change in Tax Credit circumstances resulting in an overpaymentii) Or; when renewal was received, a change in circumstances had taken place during the year that HMRC were not aware of, resulting in an overpayment.
Please contact us and we will be happy to discuss your circumstances to assist you in resolving the matter.
The Tax Credits went into my partners account – why do I have to pay?
As the Tax Credit Claim was dual liability, both parties are liable for the repayment of monies owed. Please contact us and we will happy to discuss this further.
I’ve split up with my partner so I don’t think I should pay anything
As the Tax Credit claim was in joint names, both parties are liable. Please contact us so we can help you to resolve this matter and update HMRC’s records accordingly.

[H2]
If your account is related to our DVLA client

Advantis work with the Driver and Vehicle Licensing Agency (DVLA) to recover outstanding fines.

Your details have been passed to us because your vehicle has not been taxed or had a statutory off road notification (SORN), resulting in a fine that the DVLA has asked Advantis to recover.

Non-payment of the penalty is a civil offence under Section 7a of the Vehicle Excise and Registration Act 1994 and, if your vehicle remains unlicensed, your vehicle could be clamped, removed and impounded incurring release and storage fees. You must insure and tax your vehicle if it is not SORN. If you don’t, you’ll automatically be fined for not having a SORN. If you have taxed your vehicle or declared a SORN since receiving notification of the fine, the penalty is still payable.

Further information about taxing your vehicle or making a SORN declaration can be found on the www.gov.uk website

[H5] I moved house and updated my driving license details – why have I not received a tax reminder?

Updating your driving license details will not automatically update your vehicle details. You would need to inform the DVLA of both license and vehicle changes.

[H5] I never received a reminder, why do I have to pay?

As the Registered Keeper of the vehicle, it is your responsibility under the Vehicle Excise and Registration Act to ensure you keep track of when your vehicle is due to be taxed or SORN and take action accordingly. Even if you did not receive a reminder from the DVLA the fine will still be due.

[H5] I was abroad so I couldn’t pay

It is the Registered Keeper’s responsibility to ensure the vehicle is continuously licensed or declared SORN. If you were abroad when your tax/SORN expired then alternative arrangements should have been made such a

Advantis take the use of personal data and privacy very seriously and are committed to ensuring that your data is used fairly and lawfully in accordance with the Data Protection Act & GDPR.
For the purposes of the Act, depending upon the status of your account, we may be either the data controller or the data processor of your data. We are the data controller where the title of the account has been formally assigned to Advantis.
This is where we have purchased the title to the account and in all such instances we will have written to you and advised you of this.
We are the data processor where we are acting on behalf of the original creditor or the current owner of the account. This privacy policy explains how Advantis will use, store and share your personal data.
How we obtain and use personal data
We may receive personal data about you from third parties (our clients who are the owners of the account) and who choose to use the service we offer or from companies from whom we have purchased the account.
We may also obtain information from credit reference agencies. In addition we may also collect information from you or from your appointed representative through the use of our website and from communications between us such as within telephone calls, letters or emails.

Type Of Information - Personal information

What is personal information
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Personal data such as your name, address, date of birth, relevant account reference numbers, e-mail address, phone number and details of previous communication with us, for example, records, emails and letters.
This includes information passed to us by the data controller (our client) who has instructed us.
Additionally, each time you visit our website we may automatically collect information and personal data about your computer for system administration, including where available your IP address, operating system and browser type. We use a third party service, Google Analytics, to collect your reference number, other non-personally identifiable information that you enter and details of your behaviour patterns, including the tracking of visits across multiple devices. Google’s remarketing and advertising reporting has been enabled to provide additional information for the analysis of visitor characteristics and behaviour.
We do this to help us analyse how users use the site (including behaviour patterns and the tracking of visits across multiple devices), to establish more about our website users and to assist us in managing your account. We do not allow Google to make any attempt to establish the identities of any users of our website.

Reason for processing
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Where we process your information on the basis of "legitimate interests", If we don't process your information, we can't:
Make sure we are dealing with the correct person and the information is correct;
Manage your account in the way that we believe is in both your and our client’s best interests; and
Provide you with additional support when you need it.

Legal basis for processing
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We have a legitimate interest in processing your data for the purpose of debt collection. This is created through your Article Six rights in the Data Protection Act 2018.
We must make sure that those legitimate interests do not override your interests, rights and freedoms.
Once your account has been closed and/or reassigned by our client, we may continue hold your data to satisfy relevant regulations such as, Anti Money Laundering, Dispute Resolution Rules, Complaint Handing rules, FCA regulatory requirements, etc.

How long we keep your information
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Six years from when the account is closed, at which point it will be deleted or anonymised.
Voice recordings are retained for six months.
Subject to an objection based on our legitimate interest or regulatory requirements, our client (the Data Controller) may request the data is deleted or anonymised at an earlier time.
Where a complaint has been made, personal data and the complaint outcome may be retained for at least three years after the complaint has been resolved which may extend the time we retain your data.

Type Of Information - Financial information

What is financial information
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Payment information, such as your bank account number, to set up direct debit or process your payments.
Credit reference information, such as historical addresses, credit application data, and credit score information.

Reason for processing
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We are required to understand the financial circumstances of our customers so we can process payments and provide good customer outcomes.

Legal basis for processing
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We have a legitimate interest in processing your data for the purpose of debt collection. This is created through your Article Six rights in the Data Protection Act 2018.
We must make sure that those legitimate interests do not override your interests, rights and freedoms.
Once your account has been closed and/or reassigned by our client, we may continue hold your data to satisfy relevant regulations such as, Anti Money Laundering, Dispute Resolution Rules, Complaint Handing rules, FCA regulatory requirements, etc.

How long we keep your information
Expand

Six years from when the account is closed, at which point it will be deleted or anonymised.
Subject to an objection based on our legitimate interest or regulatory requirements, our client (the Data Controller) may request the data is deleted or anonymised at an earlier time.
There is one exception to the stated timelines. Card payment information will only be stored for a maximum of three months.

Type Of Information - Sensitive information

What is sensitive information
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Under the data protection rules, information which we may need to process revealing the following are 'special categories of personal data' including that regarding your health or any other factor that may have an impact on your ability to deal with us.

Reason for processing
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We need to make sure:
we comply with the FCA's requirements to treat you fairly;
understand whether your condition has or may have an impact on your ability to pay the amounts you owe or communicate with us; and
identify where reasonable adjustments may be required in order to manage your account.

Legal basis for processing
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We only collect the minimum amount of information about any physical or mental health conditions you may have.
Sensitive data will only be collected with your consent or where your Economic Wellbeing under the Data Protection Act 2018 means a) you cannot give consent; b) the firm is unable to ask for consent; or c) obtaining consent would prejudice SCU’s ability to put in measures to protect our customers.
You can remove your consent at any time.

How long we keep your information
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Six years from when the account is closed at which point it will be deleted.
Where you remove your consent, your data will be deleted immediately.

Type Of Information - Third Party Information

What is sensitive information
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Where you have designated a third party to manage your account and/or communicate with us and have provided us with their contact information.

Reason for processing
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Third Party contact information is retained so that we can identify authorised third parties that you have instructed to act on your account.
Examples of this including individuals, companies, solicitors, official receivers, etc

Legal basis for processing
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We only collect the minimum information from third parties. This is limited to contact information only.

How long we keep your information
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Third party data is retained alongside all account data and will therefore be removed at the request of the data subject or removed when the account data is deleted in the normal timescales

If you require further information about the purposes for which we use your personal data then please contact our Data Protection Officer:
By post:
The Data Protection Officer
Advantis Credit Ltd
Minton Hollins Building
Shelton Old Road,
Stoke-on-Trent
Staffordshire
ST4 7RY
By email: marked FAO the Data Protection Officer – admin@advantiscredit.co.uk
A full copy of our privacy notice is available on request.
Cookies
Cookies are small, often encrypted, text files that are placed on your computer’s web browser directories which allow a website to recognize a user’s device. They are commonly used on the internet and often help to improve the user’s overall internet experience.
We use “Session” cookies. These are temporary cookies, which only exist whilst you are using the website, until you close the browser after accessing the website. Session cookies help the website remember what options you chose on the previous page, so you do not need to re-enter information. They are designed to improve your experience whilst using the site. These cookies do not contain personal information and cannot be used to identify you.
We also use cookies to help us improve our service to you. For example, we use Google Analytics, a popular web analytics service provided by Google. Google Analytics uses cookies to help us analyse how users use the site (including behaviour patterns and the tracking of visits across multiple devices), to establish more about our website users and to assist us in managing your account. The cookies collect your IP address, your reference number and certain non-personally identifiable information that you enter. Google’s remarketing and advertising reporting has been enabled to provide additional information for the analysis of visitor characteristics and behaviour. Find out more about how these cookies are used on the Google Privacy site.
You can configure your internet browser to allow or reject cookies. Please refer to your browser’s help area for instructions on how to do this. Note that configuring your browser to reject cookies may cause some websites not to function as they were intended and this may diminish your internet experience. Further information regarding cookies can be found here http://www.allaboutcookies.org/ (links to external website).
Sensitive Personal Data
The Data Protection Act defines certain personal data as ‘sensitive’, for example personal data regarding your physical health and mental health.
In order to carry out our role, we are required by the FCA to understand the circumstances of our customers in order to help them find the best way of resolving their account. This may involve collecting and using sensitive personal data. In certain circumstances then we may, for debt collection purposes, therefore ask you for some sensitive details and we would then ask for your consent to store that information.
Alternatively you may voluntarily give such personal data to us. We will only use this personal data for debt collection purposes and would only share such sensitive personal data with our clients who need to be aware of such information for debt collection purposes only. Any sharing of your sensitive personal data with clients will be on the basis of your consent or if we are required or permitted to do so under the Data Protection Act 2018.
Credit Reference Agencies
The Credit Reference Agencies (CRAs) hold personal data about consumers. Most of the personal data held by the CRAs relates to how you have maintained your credit accounts. They also hold address details and personal data from public sources such as the electoral roll, public records including county court judgments, and bankruptcy and insolvency data. We may obtain personal data about you from the CRAs for debt collection purposes and to check your credit history, verify your identity (or someone linked with you), to locate you and to prevent fraud.
Where we have acquired the title of an account we may provide details to the Credit Reference Agencies with regular information about your account, or the behaviour of your account. Other lenders may use this to make decisions on future applications for credit or for the purpose of tracing customers.
We may also obtain information from Credit References Agencies to help locate you and to check/update your contact details and to enable us and our client to make financial decisions.
Data shared with any Credit Reference Agency will be subject to a common CRAIN privacy notice found here : https://www.callcredit.co.uk/legal-information/bureau-privacy-notice
Recorded Phone Calls
We may monitor and/or record phone calls between our staff and you in order to offer you and our staff additional security, resolve complaints, and for training and quality purposes.
Changes to our Privacy Policy
We regularly review our policies to ensure they are up-to-date with current legislation requirements, and we reserve the right to amend this policy as and when required. The website will always display our up-to-date privacy policy.
Access to personal data
You are entitled to access the personal data that we hold about you by making a Subject Access Request. If you would like more information on this process or would like to contact us about any aspect of this privacy policy then please contact our Data Protection Officer:
By post:
The Data Protection Officer
Advantis Credit Ltd
Minton Hollins Building
Shelton Old Road,
Stoke-on-Trent
Staffordshire
ST4 7RY
By email: marked FAO the Data Protection Officer – admin@advantiscredit.co.uk
Complaints
If you wish to raise a complaint you can do so in writing to the above address, marking your correspondence for the attention of the Complaints Team. Alternatively you can email your complaint to admin@advantiscredit.co.uk or call one of our advisors on 01782 401101.

[H3] Please read the following carefully
The terms and conditions on this page set out the basis on which you can visit and use this website.
We reserve the right to change these Terms and Conditions at any time, and therefore ask that you review them regularly.
This site is owned and operated by Advantis (“Advantis Credit Ltd”). Registered in England and Wales. Company Registration number: 05223252. Registered Office: 3rd Floor 10 Lloyd's Avenue, London, England, EC3N 3AJ.  All rights in this website, including copyright rights, are owned by or licensed to Advantis.
Advantis is regulated by the Financial Conduct Authority (FCA) and is a member of the Credit Services Association, adhering to their code of practice.
Any use of this website or its contents, including copying or storing it or them, whole or part, other than for personal and/or non-commercial use is prohibited without the express permission of Advantis.
You may not modify, distribute, or repost something on this website for any purpose without the express permission of Advantis.
Advantis has taken reasonable care in the preparation and content of this website. Advantis disclaims all warranties, express or implied, as to the accuracy of the information contained in any of the materials on this website, to the extent permitted by applicable law.
Advantis shall not be liable to any person or organisation for any loss or damage which may have arisen from the use of any of the information contained on this website.
Advantis makes every effort to ensure that this website is free from defects and/or viruses. Advantis shall not be liable to any person or organization for any loss or damage to computer equipment and/or other equipment which may have arisen as a result of using this website.
This website may provide links to other websites which Advantis may think you may want to visit. We do not vet these websites and do not have any control over their contents. Advantis do not accept any liability in respect of the use of these websites.
Any disclaimers and/or exclusions of liability in these terms and conditions shall not apply to any damages arising from death or personal injury caused by the negligence of Advantis or any of its employees and/or agents, or fraud. These disclaimers and exclusions shall be governed by and construed in accordance with English laws. If any provision of these disclaimers and/or exclusions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and/or enforceability of the remaining provisions.
This website, any contract and/or agreement contained herein, and any contract and/or agreement bought into being as a result of usage of this website, are governed by and construed in accordance with applicable law. These terms and conditions do not affect your legal rights.
Please note that the internet is not a 100% secure method of communication. If you have any concerns about submitting personal and/or financial information on this website, and would prefer to contact us by telephone, please call 01782401101 .
Under no circumstances will Advantis be liable for any of the following losses or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of www.advantiscredit.co.uk regardless of the form of action.
You may not copy, reproduce, republish, download, post, broadcast, transmit, make available to the public, or otherwise use www.advantiscredit.co.uk content in any way except for your own personal, non-commercial use. You also agree not to adapt, alter or create any derivative work from any www.advantiscredit.co.uk content except for your own personal, non-commercial use. Any other use of www.advantiscredit.co.uk content requires the prior written permission of Advantis.
The names, images and logos identifying Advantis or third parties and their products and services are subject to copyright, design rights and trademarks of Advantis and/or third parties. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any licence or right to use any trademark, patent, design right or copyright of Advantis, or any other third party.
[H3] Payments made via this website
Debit and/or credit card (where applicable) details submitted through are done so at the cardholder’s risk. You are responsible for keeping your personal and banking details secure.
Debit and/or credit card details entered on this website are processed by our payment gateway supplier and not stored by Advantis.
In making a payment you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission. We cannot accept liability for a payment not reaching the intended account due to the quoting of an incorrect Advantis reference number or failure to confirm other information as required.
We cannot accept liability if payment is refused or declined by the card supplier (due to the customer quoting incorrect card details or other reasons). If the card supplier declines payment, we are under no obligation to bring this fact to the customer’s attention. Customers should check with their bank card supplier that payment has been deducted from their account.