What We Do For You
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We independently review IVAs and debt situation documents
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We identify factual issues and inconsistencies in documents
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We help people understand their options and prepare for challenges, enabling them to stay in control
Speak For You provides factual IVA, debt, and lending document reviews. We help people understand what their paperwork says, what information was recorded, what may be missing, and what factual questions may need to be raised. We do not provide regulated debt advice, legal advice, claims management, or representation. We do not recommend any debt solution or decide what action a client should take. Where regulated advice, legal action, or claims management is required, we will signpost clients to appropriately authorised professionals.
HOW WE WORK
Forensic review by us. Regulated legal action by instructed solicitors.
Speak For You Ltd carries out independent forensic reviews. Where a review identifies a matter that calls for regulated legal action, that action is carried out by instructed solicitors — not by us.
We work with Acklam Bond Solicitors, regulated by the Solicitors Regulation Authority and led by Denise Bond, on regulated legal matters arising from our reviews.
IVA mis-selling
Matters concerning the suitability of an Individual Voluntary Arrangement and the conduct of the insolvency practitioner and their firm — including SIP 3.1 and Consumer Duty failings — where fee refunds and compensation are in issue.
Limited Powers of Attorney
Matters where an insolvency practitioner or firm refuses to recognise a validly executed Limited Power of Attorney under the Powers of Attorney Act 1971.
Unaffordable lending
Matters concerning unaffordable and irresponsible lending identified through our forensic review process.
Speak For You Ltd is an independent consumer advocate. It is not regulated by the Solicitors Regulation Authority, is not authorised by the Financial Conduct Authority, and does not provide legal advice, debt advice, debt counselling or claims management. Regulated legal services are provided by the instructed solicitors named above, under their own regulation and engagement terms.
Introduction
Speak For You helps people who want to understand processes, organise evidence, and prepare their own communications with insolvency practitioners, lenders, regulators, or ombudsman services. We are information providers only and also provide administrative support.
We are not regulated so do not provide advice or representation.
What we do (information & administration)
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Plain‑English explanations of formal processes (e.g., complaint routes, variation meetings).
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Checklists and templates to help you prepare letters/emails.
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Evidence‑gathering support (organising documents you already hold).
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Signposting to FCA authorised debt advice providers, licensed IPs, or SRA‑regulated solicitors when needed.
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Fact based review with and without solicitor support.
What we do not do
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We do not give personalised recommendations about debt solutions (no debt counselling).
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We do not negotiate with creditors or IPs on your behalf (no debt adjusting).
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We do not represent you or seek compensation for you (no claims management).
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We do not act under an “authority to act.” All communications are in your name and under your control.
Get started
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Download our free self‑help pack (templates, checklists, guidance).
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Book an information‑only admin session to organise your paperwork and plan your next steps with an authorised professional.
Regulatory statement: Speak For You Ltd is not authorised by the Financial Conduct Authority (FCA). All content and sessions are information‑only. For regulated advice, please use an FCA‑authorised firm or licensed IP. For legal advice, use an SRA‑regulated solicitor.
Did You Receive....
Some Coffee
If you received a letter with an enclosed coffee sachet in it then why not go and put the kettle on, use the contents of the sachet to make a great cup of coffee and then see what you can learn about the IVA that you are about to start and how we can help you review your documents and understand the information available to you. Click the coffee cup or here to see more.
A Tea Bag
If you received a letter with an enclosed tea bag in it then why not go and put the kettle on, use the tea bag to make a great cup of tea and then see what you can learn about the IVA that you are in and how we can help you review your documents and understand the information available to you. Click the tea bag or here to see more.
A Book Mark
If you received a letter from us containing a book mark then click here or on the book mark for more information on how we can help you review and understand the information in your IVA documents.
StepChange
StepChange is a well-known debt charity that provides free support to many people. As with any organisation, it is worth understanding how it is funded and what services it can and cannot provide, so you can make an informed decision about the support that is right for you.
Citizens Advice (CAB)
Citizens Advice provides valuable community support across many areas including debt. Understanding the scope and limitations of any free service helps you decide what additional independent information you may need.
Martin Lewis & MoneySavingExpert (MSE)
Martin Lewis and MSE are widely respected sources of general financial information. For complex individual situations such as IVA reviews, it is worth seeking information specific to your own documents and circumstances.
Why Independent Views Matter
At Speak For You, we believe that truly independent support is essential — especially when you are in debt and trying to understand your situation clearly.
Many people turn to well-known organisations for help with debt. These services can be valuable, but it is always worth understanding what any organisation can and cannot provide, how they are funded, and whether their services cover your specific situation.
We do not replace regulated debt advice services. Instead, we provide independent document review and factual information to help you understand what is in your paperwork, what questions to ask, and what your documents actually say — before you make any decisions.
Our role is to give you clear, unbiased information so you can engage more confidently with whichever regulated professionals or services you choose to use.
The Financial Conduct Authority (FCA)
The Financial Conduct Authority is the UK's principal financial regulator, responsible for protecting consumers and ensuring financial markets operate fairly.
Speak For You Ltd is not authorised or regulated by the FCA. We do not provide regulated financial advice, debt advice, or claims management services.
If you need regulated debt advice, you should contact an FCA-authorised firm. If you need legal advice, you should contact an SRA-regulated solicitor. Our role is to provide independent document review and general information only, so that you are better informed when engaging with regulated professionals.
We Offer a Different View
At Speak For You, we are not funded by creditors. Our information and document review services are independent and focused entirely on giving you accurate, factual information about your own situation.
We work with individuals to review their documents, identify factual issues, and explain the information contained in their paperwork in plain English — so they can engage more confidently with regulated professionals.
If you believe you were mis-sold an IVA, are in a plan you do not fully understand, or want to know what your documents actually say, we are here to provide independent information and document review support.
Fact Based Case Review
Think your IVA or debt plan may not have been right for you? Our Fact Based Case Review examines your documents in detail — including figures, timelines, and relevant standards — to identify factual issues and inconsistencies in how your case was handled. You will receive a clear written report setting out what your documents show, so you can decide what steps to take with the support of a regulated professional.
Solicitor Support
When we carry out a forensic IVA document review, our findings may indicate that solicitor involvement could be relevant. Any decision to instruct a solicitor remains entirely with you.
Why solicitor involvement matters
Long IVAs can raise particular concerns for people approaching or in retirement. Health can change, income can become fixed, and once an IVA is in place, it can be difficult to alter.
Where our document review identifies factual issues, we can signpost you to independent solicitors who you may wish to consult. Any regulated legal steps are taken by you directly with your chosen solicitor — not by us.
What this means for you
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FREE Fact Based IVA Report in clear, plain English
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No pressure, no obligation
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Independent document review first
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Signposting to solicitor support if relevant, not pushed, only where appropriate
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If everything appears in order, we will say so
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If factual issues are identified, we will explain what the documents show clearly and calmly
Solicitor involvement may be relevant where documents show:
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An IVA arranged for pension-age circumstances without adequate consideration
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Health factors that do not appear to have been properly considered in the documentation
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Information about alternatives that does not appear in the paperwork
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Potential procedural issues in how the case was handled
We will always explain this before any step is taken.
Ready to Request a Review?
If you are unsure whether your IVA, debt management plan, or lending paperwork was properly explained, you can ask Speak For You to carry out a factual document review.
We will review the documents, identify factual issues, and provide general information and self-help templates where appropriate.
We do not provide regulated debt advice, legal advice, claims management, or representation.
Call 0800 707 4296 Email admin@speakforyou.co.uk
Privacy Policy
Privacy: We only process personal data provided directly by you to prepare templates/checklists and organise your information. We do not contact third parties on your behalf. See full Privacy Notice for lawful bases, retention, and your rights.
Contact: - Email: admin@speakforyou.co.uk - Phone: +44 0800 707 4296 - Hours: Mon–Fri, 9–5
Accessibility: If you need formats that are easier to read or alternative languages, let us know.
Regulatory Notice
Speak For You Ltd is not authorised or regulated by the Financial Conduct Authority and is not regulated by the Solicitors Regulation Authority.
We do not provide debt advice, debt counselling, debt adjusting, credit broking, claims management, legal advice, or representation.
Our work is limited to factual document review, general information, administrative support, and self-help templates.
We do not recommend any debt solution, negotiate with creditors or insolvency practitioners, submit complaints on your behalf, or seek compensation for you.
Where regulated advice, legal representation, or claims management is required, you should use an FCA-authorised firm, licensed insolvency practitioner, FCA-authorised claims management company, or SRA-regulated solicitor.