IE Hub is an online tool that allows you to create a budget and lets you share your budget with companies such as electric, water, credit companies, charities or any other company you choose to.

This gives them a clear view of your financial situation so they can discuss what help is available, for example payment plans.

IE Hub has no influence with any of the companies and their decision around repayment options.

The company will have asked you to complete your budget with IE Hub to allow them to gather correct, up-to-date information about your financial situation. This helps them to tailor a plan to your specific requirements.

Using IE Hub will allow you to provide them with all the information that they need at a time and pace that suits you. You can do this in the comfort of your own home without any time pressure, and you can use the same form to send information to multiple companies, if relevant.

You can also return to this form at a later date, if your circumstances have changed, and amend your information before sharing again with the company.
Your data is safe at all times and is only accessible and shareable by you. Your personal information is encrypted in our secure databases, and IE Hub staff will not have access to your data at any time unless you specifically allow this.

IE Hub is an online service only; we do not offer a telephone service as all our technical support is handled over email. If you need help completing the form or have questions regarding payments you need to speak to the company that has requested the budget from you.

IE Hub is designed to keep you in control of your data. We will send emails for the following purposes:

These emails are an important part of our service and enable us to put you in control.

IE Hub is unable to provide fuel vouchers. You will need to contact the company that asked you to complete a budget to discuss this.

IE Hub are unable to take any payments or arrange a payment plan. This can only be done with the company you share your budget with. Please contact them directly.

If there has been a change to your personal information (for example, your address, contact details, or employment status), you can update this within your IE Hub account.
To make changes, log in to IE Hub. As a returning customer, you will be taken to your dashboard.

From here:
Click your name in the top right-hand corner

Select “My profile”

On the My profile page, you will see a range of fields that you can edit, including:

Other relevant personal details shown on your profile

To update a field, click the pencil icon, make your changes, and select Save.

You can also update your budget information at any point (for example, if your income or bills change) by editing the relevant fields and clicking Save.

Once you have saved any changes that affect your financial situation, you will need to re-share your budget with any companies you are currently dealing with.

To keep your account secure and make logging in simpler, you can now access your account in one of two ways:

To log in:

Each login link is unique and expires after a short time to keep your account secure.

If you no longer have access to the email address linked to your account or are experiencing any issues logging in, please contact support for assistance.

If your account is locked due to incorrect information, we will need certain details in order to unlock
your account.

You can use the form at the bottom of the FAQs to provide the following:

If you believe your account may have been opened at a previous address, please provide the postcode for that address as well.

No. Open Banking is completely optional.

Open Banking is available as a quicker and more convenient way to fill out your budget, but you can still complete your budget manually if you prefer.

If you choose to use Open Banking:

If you choose not to use Open Banking:

You’re always in control, and you can decide what works best for you.

Yes. If you no longer wish to use IE Hub, you can request that your account be deleted at any time.
To request account deletion:

You’ll be asked to provide a brief reason for deleting your account. This is optional, but any feedback helps us improve the service we provide.

What happens next?

Important information

If you decide to return in the future, you are welcome to create a new IE Hub account at any time.

IE Hub does not have access to customer accounts this is to ensure that all your information remains confidential to you until you decide to share with a company. We cannot access your information but we are more than happy to provide you with details on how you can do this.

We recommend completing your budget before sharing it, but you don’t need to do everything in one go.

IE Hub uses Smart Review, which saves your progress automatically and adapts the questions you see based on the information you’ve already provided. You can stop at any point and come back later.

When you log back in, you’ll be taken straight to where you left off, whether you paused to check information, needed a break, or were interrupted.

Whilst it is entirely your choice how much or how little information you include in your budget form we strongly recommend that you include as much detail as possible.

Having the most accurate picture of your financial situation will allow the companies that you are sharing your budget to create a bespoke solution based on your circumstances.

Yes. You can add extra information throughout your budget using Notes, and these work alongside Smart Review.
You’ll see a Notes option under many questions. This allows you to explain your situation in your own words, add context, or flag anything you think is important.

Any notes you add help Smart Review better understand your circumstances and help ensure that, when you share your budget, companies receive clearer and more relevant information without needing to ask unnecessary follow-up questions.

IE Hub helps you complete a budget that follows the Standard Financial Statement (SFS), which is the industry-standard format used by creditors and support organisations.

To make this easier, IE Hub uses Smart Review.

This means:

Some sections may still feel detailed, but this helps create an accurate picture of your finances so that companies you share your budget with can understand your circumstances and consider appropriate support.

We recommend completing as much as you can before sharing, but this isn’t compulsory; you stay in control at every step.

Once you have completed your budget, you can share it with one or more companies directly from your IE Hub account.

To share your budget:

Once you are ready:

Click Share Securely at the bottom of the page.

Your budget will then be securely shared with the selected companies.
You can view when a budget was last shared with each company and manage or remove companies from your list at any time from this page.

When sharing a budget form, it asks for a reference number.

This is your reference number assigned by the company to your debt (such as your account or customer number. This should be on any correspondence received from them) or it could be a personal detail such as your email address.

If the company has advised us of a standard format for their references, there will be further information provided. The company that asks you for your information would have mentioned what number to include as a reference when you share information with them.

Including this number will mean that the receiving company is easily able to allocate your budget form to your account, allowing them to action this without any delay. If you are unsure of your reference number, please contact the company you are sharing your budget with to ask them for this.

If it shows an error, it usually means that you have the same company on your share list multiple times and the reference number you have used is the same for at least two of them.

Please check and, where you have the same company multiple times, use a different reference number (such as XXX). You should then be able to share without any issues.

Don’t forget to leave the checkbox under the duplicate account unticked.

Yes. You can download or email a copy of your budget at any time from your dashboard.
To do this:

You can download a copy to your device, print it, or email it to yourself whenever you need.

IE Hub is an online service, so we do not have paper copies we can send out that.

If you are unable to complete your budget online, you can contact the company who referred you as they may be able to offer some assistance with this.

If certain companies you are dealing with are not available on our online share list, IE Hub can still help.

Our Free Post service allows us to print and post your budget to certain companies on your behalf, at no cost to you.

You may see the Free Post option:

When the Free Post screen appears, you can choose to send your budget to another company that is not available for online sharing.

To use the Free Post service:

IE Hub will then print and post your budget securely to the company for you.

Using Free Post means:

If you choose not to use Free Post at this stage, you can return to your dashboard and access it later if needed.

The companies you have shared your budget with will contact you within 7-10 working days.

If you need to discuss your account sooner, please contact those companies directly.

IE Hub is asking if you have a health condition or any other circumstances to help you receive appropriate support. By reporting this to IE Hub, you can also consent to them passing this on to the company of your choice. This company will be able to consider your vulnerability when making payment arrangements.

Reporting a personal/health circumstance is optional. But, it can be a helpful tool if you are experiencing financial hardship due to circumstances beyond your control.

Reporting a personal/health circumstance to IE Hub will not impact your credit score. Yet, the information you provide may be considered by the company of your choice when determining payment arrangements. It’s important to note that any payment arrangements made with this company may be reflected on your credit report.

With your consent, IE Hub will only share your information with the company of your choice. This information is only used to help this company make a decision about your payment arrangements.

No. IE Hub will not ask for further information regarding the category you have chosen. However, if you do give consent to share with a company, they may ask for a few more details. If you would like to provide additional information or if you feel that this will help the company to understand your situation better you can use the Add Notes button to provide further details.

IE Hub does not need specific evidence, such as a doctor’s note, to register a vulnerability characteristic. Yet, you may want to provide extra information about how your vulnerability impacts your ability to make payments.

This could include information about your health, employment, or other relevant circumstances. Providing as much detail as possible will help ensure that your vulnerability is taken into consideration. If you would like to add supporting documentation, you can do so after completing your IE Hub budget.

Yes. To remove or edit a personal/health circumstance, log into your IE Hub account as usual.

In the “My IE Hub account” section, select “Edit my personal details.”
You can check and edit all personal details, starting with the reason for using IE Hub, name and address, employment and household makeup, and then the vulnerability question section.

Here you have the option to:

When you are logged into your IE Hub account, click on your name in the top right-hand corner and select Help and Support.

This will provide you with descriptions and links to a variety of different organisations, from general help to more specialised support with bereavement, addiction, etc.

If you are not happy with any part of IE Hub’s service, please let us know so we can investigate.

Please email us at complaints@iehub.co.uk and provide as much detail as you can regarding your complaint.

Within two working days, you will receive an acknowledgement of your complaint and a copy of this process.

We will fully investigate your complaint and aim to respond within four weeks from the date we received your complaint.

If we need more time to respond, we will contact you to let you know. However, we would aim to provide you with a final response within eight weeks.

If you do not feel that we have resolved your complaint, you can contact the Information Commissioner’s Office within three months from the date we last had contact.

Ways to contact the Information Commissioner’s Office:
Online – https://ico.org.uk/make-a-complaint/