Speak For You – Fighting for Fairness in Debt and Insolvency

Who I Am

My name is Roger D. Wallis. I’ve worked in the insolvency and debt

resolution world for more than 35 years.

I’ve seen how the industry is structured to protect creditors and fee

earning firms, instead of the people who are actually struggling.

When I send someone a letter, I often include a tea bag.
It’s not a marketing idea, it's an invitation to pause.

To take five quiet minutes, make a cup of tea, and remember that someone out there is ready to listen.

Debt and financial pressure can make people feel small, unheard, and alone. That’s why Speak For You exists — to give people a voice when they’ve been placed into something that was never right for them.

I listen. I don’t judge, I don’t rush, and I don’t use scripts. I simply listen to what’s happened — in your words — and help you understand what went wrong and what can be done next.

If you’ve received one of my letters, or if you simply want to talk about your IVA or debt situation, please get in touch.
We can go through everything gently, over a cup of tea the way proper conversations should be.

What I’ve Seen

Thousands of people are placed into Individual Voluntary Arrangements (IVAs) every year, not because they’re the best solution, but because they generate the most profit for the companies arranging them.

Cheaper, simpler, or more suitable options often exist — but they are rarely explained.

That isn’t an accident - It’s the business model.

Who I Stand For

I stand up for people who are too often overlooked:

Those living with physical or mental health challenges
Older people pressured into long, unsuitable arrangements
Families trapped in agreements that never made sense to begin with

Everyone deserves clarity, independence, and fairness. Not a process controlled by the parties who profit from it.

Why I Don’t Stay Quiet

Challenging this system has never been easy.

I have been:

Dismissed and attacked in writing by insolvency firms
Pressured and undermined by regulatory bodies including the FCA
Personally intimidated and threatened for speaking out

This Is Not New To Me.

Twenty years ago, the Department of Trade and Industry targeted my company.
I fought for 18 months and cleared my name completely — but at a huge personal and financial cost.

I learned:

Speaking up makes powerful organisations uncomfortable
But silence allows harm to continue

So I carry on.

Not because it’s easy. But because it’s necessary.

What Speak For You Does

I help people understand their situation so they can make informed choices.

This includes:

Reviewing IVA and debt documents
Explaining everything in plain, human language
Identifying where the process may have failed you
Helping you communicate clearly with your IVA firm or creditors
Preparing letters, requests, and evidence when needed

I don’t push, persuade, or direct anyone. You stay in control at every stage.

How We Work Together

You Send Your Information

You can begin by sharing whatever you have — documents or just your story.
There is no pressure and no judgement.
⁠We Review and Talk It Through
I read everything carefully and explain:
What has happened
What it means
What your realistic options may be
We speak calmly. Human to human.

You Decide What Happens Next

You choose your next steps.

If you want help drafting letters or challenging something, I support you.
If you simply needed clarity and peace of mind, that’s enough.

No pressure.
No pushing.
No expectations.

Your life.
Your decision.
Your voice.

Frequently Asked Questions

Do you give debt advice?

No.
Speak For You is not authorised or regulated by the Financial Conduct Authority (FCA).
I do not recommend debt solutions or refer to debt-advice providers.
I provide research, case review, clarity, and administrative support.

Are debt-charity organisations and advice services independent?

In my experience, no.
Most are funded directly or indirectly by creditors.
The people aren’t the problem — the funding structure is.

What if I’ve been mis-sold an IVA?

If your IVA was unsuitable from the outset, unfair, unclear, or pushed on you without proper assessment, we can review it and document what went wrong.

What does it cost?

Costs depend on the work required, but also on affordability.
If you cannot afford to pay, you will not be charged.
No one is turned away for financial reasons.

Important Notice

Speak For You is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated debt advice.

All support is provided for research, education, communication assistance, and administrative purposes only.
Before making changes to any debt arrangement, you may need to seek independent, FCA-regulated advice.