Terms and conditions


This terms and conditions of use (together with the documents and downloads referred to in it and the additional Privacy Policy and Cookie Policy) tells you the terms of use on which you may make use of our website ("our site" or "our website"), whether as a guest or a registered user. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. By using our site, you confirm that you accept these terms of use and that you agree to comply with them.  If you do not accept these Terms and Conditions you must immediately stop using the site.  Use of the site signifies your acceptance of our Terms and Conditions.


Our details is owned and operated by Pendragon Credit Control ("we").  Our trading address is Unit 5, 4 Blenheim Court, Peppercorn Close, Peterborough, PE1 2DU



Changes to the Terms and Conditions

We may revise these terms and conditions of use at any time by amending this page. You should regularly check for revisions and updates of this page.  Continued use of the site following any changes signifies your acceptance of these amendments and they are binding on you.


Changes to our site

We may update our sites from time to time, and may change the content at any time. However, please note that any of the content on our sites may be out of date at any given time, and we are under no obligation to update them. We do not guarantee that our sites, or any content on them, will be free from errors or omissions.  The site, in whole or part, may be temporarily or permanently changed or removed without notice and you confirm that we shall not be liable for any such change or removal 



The contents of the site do not constitute advice and should not be relied upon in making, or refraining from making, any decision.  We make no warranty in respect of the timeliness, accuracy or availability of the information on the site.


Accessing our site

Our site is made available free of charge. We do not guarantee that our sites, or any content on them, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our sites without notice. We will not be liable to you if for any reason our sites are unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our sits through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.


Security measures

If you choose, or you are provided with, a password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.  We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.  If you know or suspect that anyone other than you knows your password, you must change it. If you believe there has been unauthorised access to your account you must promptly notify us at


Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our sites, and in the material published on them. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our sites.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our sites for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our sites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our sites.

Although we make reasonable efforts to update the information on our sites, we make no representations, warranties or guarantees, whether express or implied, that the content on our sites is accurate, complete or up-to-date.


Disclaimers and limitation of our liability

The website is provided on an "as is" and "as available" basis without ant representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatability, security and accuracy.  Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our sites or any content on them, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or

  • use of or reliance on any content displayed on our site.

If you are a business user, please note that in particular, we will not be liable for:


  • loss of profits, sales, business, or revenue;

  • business interruption;

  • loss of anticipated savings;

  • loss of business opportunity, data, goodwill or reputation; or

  • any indirect or consequential loss or damage

  • legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against our website arising out of any breach by you of these terms and conditions of use



While we have made all reasonable attempts to exclude viruses from our website we do not guarantee that our site will be secure or free from bugs or viruses.  We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our sites or to your downloading of any content on it, or on any website linked to it.  You are therefore recommended to put in place all appropriate safeguards before using or downloading from our site.



You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to pages on our sites, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to make any use of content on our site other than that set out above, please contact

Third party links

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.  When you activate one you will leave our site.  We assume no responsibility for the content of websites linked on our sites. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services to you, which will be set out in our terms and conditions of supply .

We have no control over the contents of those sites or resources.


Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.



You are responsible for the contents of any invoice sent to us by you.  We cannot be held liable for the contents of any invoice or any subsequent losses or costs incurred. 

The basic management fee is £0.99 (£3.99 for postal invoices). 

Subsequent amendments that you ask us to make to any invoice will incur the amendment fee of £0.50 per occasion . Any subsequent resubmissions of invoices will incur additional £0.99 invoice management fee per occasion.  For postal invoices amendment fees are £0.99 per occasion and resubmissions £3.99.

Collection fees are payable by you once your client has been notified that The Late Payment Legislation is being applied to an overdue invoice.  These fees are fixed at £25.00, £40.00 and £60.00 depending on the invoice amount and in relation to the 3 tiers of compensation allowed, and are included on the invoice and paid by your debtor in successful claims though recovery of costs cannot always be guaranteed as they are at the discretion of the Courts.  

In the event of  non-payment or part payment from your debtor for whatever reason, you shall remain liable for the payment of all of our fees.  You shall remain liable for these costs regardless of any future outcome, including but not limited to, any subsequent invoice cancellation, the subsequent waiving of any Late Payment fees by you, invalid or incorrect invoices and invoice disputes.  

Where a repayment plan is agreed with your debtor, we will charge you 40% of any compensation, interest or surcharges charged (minimum £40.00 fee) in addition to any other fees payable.  

VAT is not chargeable on Court costs and recovery fees though solicitors costs may have VAT on.  This VAT is not recoverable from the Debtor but can be reclaimed by you if you are VAT registered.  This may not apply if you are on a flat rate VAT scheme or similar.

We will invoice you at the end of each month for any fees that have been raised for that month.

Our payment terms are 7 days.  

Where legal proceedings have been initiated and costs incurred (e.g. Solicitor costs and Court fees) these fees will be payable to the solicitors/ Courts directly and may be due immediately once the solicitors have been instructed.  For acting as you legal intermediary we will charge you a flat rate fee of £95.00.

We are not liable for any costs incurred by you as a result of taking legal action.  These costs remain your liability at all times.

Payment may be made by your debtor and received by you around the time that you give instructions to proceed with court action.  As such, any costs incurred as a result of issuing court action remain your liability though recovery of such costs may not be possible or successful.

For non-commercial debts where the Late Payment Legislation does not apply, we charge a collection fee of £40.00 that is added to the outstanding debt once the debt becomes overdue.  This is payable by you though generally recoverable from your debtor in successful claims.

You will remain liable for any costs incured through non-communication of remittance/ payment advice. 

We will endeavour to send/ process all invoices on the 'invoice date' date though sometimes this may not be possible.  As such we reserve the right to amend the invoice date and subsequent due date accordingly and cannot be held liable for any costs or loss that may be incurred as a result of taking such action.



Trade Marks

Pendragon Credit Control and associated logo are trademarks of Pendragon Credit Control.



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