Independent website – not a government service. We are not part of GOV.UK, the courts, the Insolvency Service or any council. For free, impartial debt advice, use MoneyHelper.

Last updated: 20 October 2026

Cookies are small files saved on your device when you visit a website. Similar technologies, such as browser “local storage”, work in a similar way. This policy explains what we use and why.

Strictly necessary

These are needed for the site to work, and don’t need your consent.

Name Type Purpose How long
htstb-cookie-consent Local storage Remembers whether you accepted or rejected analytics cookies Until you clear it
htstb-attr Session storage Remembers which page or campaign you arrived from, so we can include it with your enquiry if you send one Until you close your browser

Analytics

We use Google Analytics 4 to understand how people use our website – for example, which guides are most read and where people leave the enquiry form. This helps us improve the site. We don’t use this data to identify you.

The Google Analytics code is on every page, but it uses Google’s “consent mode”: it doesn’t set or read any cookies unless you click “Accept analytics cookies”. Until you choose, or if you reject, Google may still receive limited information without cookies, such as the page you viewed, the time, your browser and device type and your approximate location. Without cookies, this can’t be used to recognise you on later visits.

Name Provider Purpose How long
_ga Google Distinguishes users 2 years
_ga_DWV8W486QR Google Keeps track of session state 2 years

If you don’t accept, these cookies are not set. If you accept and later change your mind using “Cookie settings” at the bottom of any page, we stop using them and delete them.

Changing your choice

You can change your choice at any time using the Cookie settings link at the bottom of every page. You can also delete cookies through your browser settings.

More information

See our privacy policy for how we use personal information, or visit the ICO’s guidance on cookies.

Check your options free, about 2 minutes