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We have taken all reasonable care in sourcing and presenting the information contained on this web site but no responsibility is accepted for any financial or other loss or damage that may result from its use.


Under new EU Legislation. We are obliged to ask you to accept our cookies.

Nearly all web sites use cookies in some form. A cookie is a small piece of text that can be read by the website that sets the cookie. For example: Amazon uses cookies to track your progress through the site and shows you previous items you have viewed. Also when you return to the site, Amazon may show you suggested products that may interest you. In this case cookies are helping you to review what you have recently viewed and suggest products that you have already shown an interest to. Normally cookies have to be set to make a website function correctly. Depending on what type of websites you visit, cookies should not be seen as threat to your personal details.

Cookies used on the payontime website only have 2 functions.

1) To track a users progress through the site such as pages visited, amount of time on site, landing pages and exit pages. This is set by the Google Analytics plug-in. This helps us understand popular sections of the site and pages thus helping us improve those pages.

2) To remember users who have previously created an account on the site and ticked 'remember  me'. When you return to the site you may be automatically logged in saving you time.


To delete any cookies set for the function of the Payontime website: Refer to your browsers help files. Locate where your cookies can be edited. Delete any cookies generated by the Payontime website.


The privacy statement contained in these pages covers the services provided by . The Data Controller for this website is The Credit Protection Association Limited.

Any information you provide will be held securely and in accordance with the Data Protection Act 1998.

Your personal details will not be disclosed to third parties unless you request that you are content for this to happen. Since August 2008, this website is no longer run, funded or endorsed by the Government. Therefore, no details will be forwarded to any Government Department or Agency.

You have a right to request a copy of your personal details at any time to check the accuracy of the information held. If you wish to do this, please write to: DPO, CPA House, 350 Kings Street, Hammersmith, London W6 0RX.

We collect several kinds of information from visitors to  depending on the part of the site being visited, including: feedback, email enquiries, email addresses, site usage, information and personal details such as your name and postal details if you sign up to the Better Payment Practice Supporters Register

If you provide feedback on the Payontime web site through our contact form at we will only use this information to develop and improve the site.

If you send an enquiry by email to a specific contact on the Payontime website it may not always be possible for us to provide the information requested directly. In such circumstances we may pass your enquiry to another member of the team in order that they can fulfill your request.

Cookies are pieces of data created when you visit a site, and contain a unique, anonymous number. They are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user. If you choose not to accept the cookie, this will not affect your access to the majority of facilities available on our web site. Although your browser may be set up to allow the creation of cookies, you can specify that you be prompted before a site puts a cookie on your hard disk, so that you can decide whether to allow or disallow the cookie. Alternatively, you can set your computer not to accept any cookie.

Log files allow us to record visitors' use of the site. We put together log file information from all our visitors, which we use to make improvements to the layout of the site and to the information in it, based on the way that visitors move around it. Log files do not contain any personal information about  you.