Do You Qualify For An IVA, DMP or a DRO?

Here’s a clearer, more professional rephrased version of your fraud awareness content while keeping the original intent and meaning:

Fraud Awareness & Customer Safety

Creatique Digital is committed to protecting the safety and privacy of its customers. As scams continue to increase, this guide has been created to help you recognise common warning signs and reduce the risk of fraud.

Top Safety Tips

  • Never pay money upfront for a loan that has not been fully approved or finalised.

  • Avoid sharing personal or financial details unless you are certain of the organisation’s identity and legitimacy.

  • If you receive a loan offer you do not remember applying for, do not respond or engage.

Fraudsters can appear highly convincing and may impersonate reputable businesses. They often send fake emails, letters, or make cold calls offering loans that do not exist. Their aim is usually to persuade you to pay fees in advance under the false promise that funds will be released later. Always remain cautious and verify any request before taking action.

Below are two common types of scams involving criminals posing as lenders or debt collectors. Understanding these tactics can help you stay protected.

Advance Fee Loan Scam

In this type of scam, criminals request upfront payments described as “processing” or “approval” fees before a supposed loan is issued. Payment is often requested via wire transfer, cash services, or prepaid debit cards.

Scammers may use convincing tactics and official-looking documents to gain trust and pressure individuals into sending money.

Creatique Digital does not charge upfront fees for loans and will never request payment before a formal agreement is in place.

Common Warning Signs

  • Requests for payment before any loan is granted

  • Pressure to pay using prepaid debit cards or gift cards

  • Requests to wire funds directly

  • Fake loan approvals or confirmations sent via SMS, email, or post

Debt Collection Scam

Another common fraud involves fake debt collectors claiming to represent lenders. These individuals may contact you by phone or message demanding payment for debts that are incorrect, already settled, or unrelated to you.

These communications are not from Creatique Digital. Fraudsters often rely on intimidation, threats, or harassment to pressure individuals into making payments.

Common Warning Signs

  • Threats of arrest, wage deductions, or legal action without proper process

  • Refusal to provide clear loan details or accurate payment history

  • Requests for payment amounts that do not match your records

Additional Support & Resources

If you believe you have been contacted by a clone firm or an unauthorised company attempting to obtain your details, you should report the incident to the appropriate regulatory authorities immediately.

You may also find the following resources helpful:

  • Action Fraud

  • Money Helper (Scam Advice)

  • Telephone Preference Service

  • Mailing Preference Service

Fill out our quick qualifying questionnaire, and one of our friendly team members will reach out to you soon.

Useful Links

Contact Us

Email Address:

info@creatiquedigital.co.uk

Monday to Friday: 9am - 6pm
Saturday-Sunday: CLOSED

By submitting the enquiry form, you confirm that the information you provide is accurate and truthful. You also agree that Creatique Digital may share your enquiry details with a suitable partner in order to assist you further, and that the partner may contact you if additional information is required. Your data will not be sold, shared, or distributed to any other third parties except those necessary to deliver the services you have requested.

Creatique Digital does not provide financial or debt advice. After completing the form, we will introduce you to one of our authorised debt solution partners. We will use the contact details you provide to make this introduction and may receive compensation for doing so. A debt adviser will contact you by telephone to discuss your options in detail. During these calls and any future communication, you will be dealing directly with the debt solutions partner and not Creatique Digital.

All debt solutions are subject to eligibility and acceptance, and additional terms and conditions may apply. Calls may be recorded for quality and security purposes. Initial advice is free; however, our commercial partners may charge fees for ongoing services if you choose to proceed with a debt solution. Any applicable fees will be clearly explained by the advisers and outlined in your documentation. You are entitled to a 14-day cooling-off period. Retained payments may increase your arrears. Debt write-off applies only upon successful completion of an insolvency solution, and certain details may appear on a public register. Full information will be provided before you enter into any agreement, and alternative solutions may be offered where appropriate. Debt solutions can impact your credit rating for up to six years, and your assets or property may be at risk. All partners are authorised and regulated by the Financial Conduct Authority (FCA) and adhere to its rules and standards.

We make reasonable efforts to ensure that the information on this website is accurate and up to date. However, users should not rely solely on the content as a statement of fact or professional advice. While we aim to minimise errors or omissions, Creatique Digital does not guarantee the accuracy or completeness of the information and accepts no liability for any inaccuracies to the fullest extent permitted by law. Any decisions made based on website information are entirely at your own risk. It is your responsibility to ensure that any products, services, or information meet your specific requirements. Your statutory rights remain unaffected.

Your details may be shared with organisations that will review your financial situation and explain potential debt solutions, including IVAs. Assistance can only be provided following a full fact-finding process. Free debt advice is available through Money Helper — click here to explore available insolvency debt options.

Debt solutions may not be suitable for everyone. Fees may apply, and your credit rating could be affected.

This website is not part of Facebook or Facebook Inc. and is not endorsed by them in any way. FACEBOOK is a registered trademark of Facebook, Inc.

Doodlo Design Studio limited (Company number 14599962) ICO ZB579128 operates under the trading name Creatique Digital. Creatique Digital provides lead generation services exclusively for debt management firms. We do not provide debt advice and are not authorised or regulated by the Financial Conduct Authority (FCA). Our role is solely to connect individuals with trusted firms that can help them work towards financial stability.

We’ve helped many people overcome problem debt with our support, you could be next!

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