If You Are of Pension Age and Opened This Page After Receiving Our Coffee Letter, This Is for You.
If you are here, you received our letter with a coffee sachet enclosed. You made a cup of coffee. And you wanted straight answers before speaking to anyone. That is exactly what this page is for.
We only write to people who:
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Are of pension age or near it, and
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Are about to start an IVA for five years or more.
You may be thinking that you are now required to pay off your IVA for years to come, but you may have alternate options to an IVA and we can help you with your options.
That is why we offer a free forensic IVA review — to look at what really happened, in black and white, without sales, pressure or spin.
There is no pressure to contact us.
You can read this slowly.
With your coffee.
At your pace.
About to start a 5-year IVA? Get a FREE Forensic IVA Report first.
If you’re of pension age (or close to it), retirement income and health changes can make long IVAs risky.
We’ll review your IVA properly, explain your options clearly, and, if something looks wrong speak to your IVA firm on your behalf.
We include a coffee sachet with our letter. Please take a moment to sit down, have a coffee, and read this calmly.
What this is.
Speak For You is an independent IVA review and advocacy service.
We don’t sell IVAs. We don’t rush you. We help you understand whether your IVA is genuinely suitable, before you commit five years of payments.
Why pensioners should be cautious with IVAs
In our experience, many pension-age clients are placed into IVAs without the risks being fully understood.
Insolvency Practitioners are expected, by their own professional rules and guidance to take particular care when recommending IVAs to pensioners, because:
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Retirement income is often fixed or fragile
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Physical or mental health can change unexpectedly
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Long, rigid arrangements may cause stress or hardship
What you get: the FREE Forensic IVA Report
We produce a clear, plain-English review of:
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Suitability – is an IVA appropriate for retirement income?
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Affordability – can payments cope with rising costs?
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Health considerations – were physical or mental health factors considered?
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Options – were free or simpler alternatives properly explained?
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Fairness – does anything look unclear, unfair, or unsuitable?
If everything looks right, we’ll tell you.
If it doesn’t, we’ll explain what you can do next, calmly and clearly.
Common signs something isn’t right
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You felt rushed or pressured to sign
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You weren’t shown free or simpler options
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Payments already feel tight
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You were anxious, unwell, or vulnerable at the time
Nobody explained how rigid IVAs can be if circumstances change
How it works.
It is easy and completely free to check your IVA
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Request your free review (2 minutes)
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We ask a few simple questions and basic paperwork
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You receive your FREE Forensic IVA Report
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If you want, we can speak to your IVA firm on your behalf
We promise
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No pressure.
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No sales.
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No obligation.
We exist to protect and explain, not persuade.
If you just want clarity and peace of mind, that’s enough.
Your Free Forensic IVA Review
If you want us to look at your case properly, with no pressure and no cost, you can:
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Call 0800 707 4189
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Email admin@speakforyou.co.uk
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Or request a call-back through this page
You lose nothing by having your IVA checked.
But you may finally get the truth
