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123 Rules, Requirements & Regulations

Merchants have 5 days to dispute a lead and they are given only 3 reasons :

  1. Dead/Wrong Number/s
  2. Hoax Lead (Eg. No Joe Smith lives here.)
  3. Lead details are totally incorrect. (Transcript can be requested.)
  4. Duplicate Lead/s

NB : All rejection requests are thoroughly investigated with the use of transcripts.

Affiliate Program Rules are as follows :

  1. Leads must be fresh.
  2. Leads must be exclusive.
  3. Leads must be generated via debt help web site using SEO/PPC techniques.

DM Leads (Max 15% Rejection Program) - Requirements are as follows :

  1. Debt Levels : Minimum £3,000
  2. Minimum 2 Separate Creditors
  3. Must be Employed (FT, PT OR Self)
  4. Age between 18 - 55
  5. Must be resident of England, Wales, Scotland or Northern Ireland Only
  6. Lead Fee = £45.00 (**Max 15% rejection rate)
** 123 Personally guarantee to underwrite all merchant guarantees and merchant payments
NB : CC FormMail, iFrame or Auto Feed Only (We do NOT accept manually generated leads)... (More details available in the CP)

DM Leads (Max 15% Rejection Program) - Requirements are as follows :

  1. Debt Levels : Minimum £3,000
  2. Minimum 2 Separate Creditors
  3. Must be Unemployed (Unemployed, State Benefits, Student, Pension)
  4. Age between 18 - 55
  5. Must be resident of England, Wales, Scotland or Northern Ireland Only
  6. Lead Fee = £25.00 (**Max 15% rejection rate)
** 123 Personally guarantee to underwrite all merchant guarantees and merchant payments
NB : CC FormMail, iFrame or Auto Feed Only (We do NOT accept manually generated leads)... (More details available in the CP)

DM Leads (Max 15% Rejection Program) - Requirements are as follows :

  1. Debt Levels : Minimum £0,000
  2. Minimum 1 Separate Creditors
  3. Must be any employment status
  4. Age between 18 - 55
  5. Must be resident of England, Wales, Scotland or Northern Ireland Only
  6. Lead Fee = £15.00 (**Max 15% rejection rate)
** 123 Personally guarantee to underwrite all merchant guarantees and merchant payments
NB : CC FormMail, iFrame or Auto Feed Only (We do NOT accept manually generated leads)... (More details available in the CP)

Debt Management Leads - Requirements are as follows :

  1. Debt Levels : £2,000-£15,000
  2. Minimum 2 Separate Creditors
  3. Minimum Disposable Income of £70
  4. Preferably in Employment
  5. Age between 18 - 55
  6. Must be resident of England, Wales, Scotland or N.Ireland Only
  7. Short Form Leads = £12
  8. Long Form Leads = £12

Debt Management Leads - Requirements are as follows :

  1. Debt Levels : Minimum £4,000
  2. Minimum 2 Separate Creditors
  3. Minimum Disposable Income of £100
  4. Maximum Disposable Income of £500
  5. Minimum Income £450
  6. Preferably in Employment
  7. Age between 18 - 55
  8. Must be resident of England, Wales, Scotland or N.Ireland Only
  9. Short Form Leads = £32
  10. Long Form Leads = £32

IVA Leads - Requirements are as follows :

  1. Debt Levels : £20,000 - £200,000
  2. Minimum 3 Separate Creditors
  3. Minimum Disposable Income of £225
  4. Minimum Income £700
  5. Must be in Employment
  6. Age between 18 - 55
  7. Must be resident of England, Wales or N.Ireland Only
  8. Short Form Leads = £80
  9. Long Form Leads = £80

IVA Leads (From £50k) - Requirements are as follows :

  1. Debt Levels : £25,000 - £200,000
  2. Minimum 3 Separate Creditors
  3. Minimum Disposable Income of £250
  4. Minimum Income £700
  5. Must be in Employment
  6. Age between 18 - 55
  7. Equity must be less than total unsecured debts.
  8. Must be resident of England, Wales or N.Ireland Only
  9. Short Form Leads = £90
  10. Long Form Leads = £90

Trust Deed Leads - Requirements are as follows :

  1. Debt Levels : Minimum £10,000
  2. Minimum 3 Separate Creditors
  3. Minimum Disposable Income of £175
  4. Must be in Employment
  5. Minimum Income Level of £800 per month (or £10,000 per annum)
  6. Age between 18 - 55
  7. Must be resident of Scotland Only
  8. Preferably a home owner.
  9. Short Form Leads = £60
  10. Long Form Leads = £60

Bankruptcy Leads (From £5k) - Requirements are as follows :

  1. Debt Levels : £5,000-£50,000
  2. Minimum 2 Separate Creditors
  3. Maximum Disposable Income of £70
  4. Age between 18 - 55
  5. Must be resident of England or Wales Only
  6. Short Form Leads = £14
  7. Long Form Leads = £14

Bankruptcy Leads - Requirements are as follows :

  1. Debt Levels : Minimum £30,000
  2. Maximum Disposable Income of £200
  3. Must be a home owner.
  4. Must be resident of England, Wales or Scotland Only
  5. Short Form Leads = £52
  6. Long Form Leads = £52

Unenforceable Credit Agreement (UCA) Leads - Requirements are as follows :

  1. The agreement must have been taken out before 6th April 2007
  2. The lead must be aware that this is a chargeable service
  3. The lead must must not have already entered into an agreement with another company
  4. The lead telephone number/s must be valid and not DEAD!
  5. The original or current loan amount must be more than £2,000 and less than £25,000
  6. Must be resident of England, Wales, Scotland or Northern Ireland Only
  7. Lead Fee = £15.00 (**Max 20% rejection rate)
  8. Assessed Lead = £20 (*)
* Definition of Assessed : Must have been willing to talk to advisor and disclose information about the agreement ** 123 Personally guarantee to underwrite all merchant guarantees and merchant payments

Secured Loan Leads - Requirements are as follows :

  1. Loan Levels : £10,000-£150,000
  2. Minimum Income of £18,000
  3. Must be a home owner.
  4. Max 75% (LTV) Loan to Value.
  5. Must be resident of England, Wales, Scotland or N.Ireland Only
  6. Short Form Leads = £20
  7. Long Form Leads = £50 - Postponed

Secured Loan Leads from £20k - Requirements are as follows :

  1. Loan Levels : £20,000-£150,000
  2. Minimum Income of £18,000
  3. Must be a home owner.
  4. Max 70% (LTV) Loan to Value.
  5. Must be resident of England, Wales, Scotland or N.Ireland Only
  6. Short Form Leads = £25
  7. Long Form Leads = £55 - Postponed

Secured Loan Leads from £30k - Requirements are as follows :

  1. Loan Levels : £30,000-£100,000
  2. Minimum Income of £18,000
  3. Must be a home owner.
  4. Max 60% (LTV) Loan to Value.
  5. Must be resident of England, Wales, Scotland or N.Ireland Only
  6. Short Form Leads = £30
  7. Long Form Leads = £75 - Postponed

Unsecured Loan Leads - Requirements are as follows :

  1. Loan Levels : £3,000-£12,500
  2. Minimum Income of £10,000
  3. Must be resident of England, Wales or Scotland Only
  4. Must be for Debt Consolidation
  5. Short Form Leads = £4
  6. Long Form Leads = £4

Unsecured Loan Leads - Requirements are as follows :

  1. Loan Levels : £1,000-£10,000
  2. Minimum Income of £10,000
  3. Must be resident of England, Wales or Scotland Only
  4. Excluding Buy to Let (BTL), Business Venture
  5. Short Form Leads = £2
  6. Long Form Leads = £2

Payday Loan Leads - Requirements are as follows :

  1. Loan Levels : £80-£1,000
  2. Minimum Income of £333.50 each payday (Net income).
  3. Be at least 18 years of age
  4. Must be resident of England, Northern Ireland, Wales or Scotland Only
  5. Must have salary paid directly into bank account
  6. Short Form Leads = £8.50
  7. MUST be generated via iFrame Only.

Payment Protection Insurance (PPI) Leads - Requirements are as follows :

  1. Insurance Length : Less than 6 years.
  2. Must not have made a previous unsuccessful claim.
  3. Must be resident of England, Northern Ireland, Wales or Scotland Only
  4. Short Form Leads = £4.00

Personal Injury (PI) Leads - Requirements are as follows :

  1. Accident Length : Less than 6 years.
  2. Must not have made a previous unsuccessful claim.
  3. Must be resident of England, Northern Ireland, Wales or Scotland Only
  4. Short Form Leads = £22.00