Frequently Asked Questions

Are you regulated by the FCA?
No. Speak For You Ltd is not authorised by the Financial Conduct Authority (FCA). We provide information‑only administrative support.

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Do you give debt advice or recommend solutions?
No. We do not advise on what solution is suitable. For advice, speak to an FCA‑authorised debt advice provider or a licensed IP.

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Do you negotiate with creditors or contact my IP/Lender for me?
No. We do not negotiate or contact third parties on your behalf. We help you prepare your own communications.

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Do you manage or represent complaints/claims?
No. We do not manage claims or represent you. If you want a firm to run a complaint for you, consider an FCA‑authorised claims management company or SRA‑regulated solicitor.

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How do you charge?
We use fixed administrative fees agreed in advance (no contingency or percentage‑based fees). A typical information‑only admin session is priced transparently.

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What documents do you handle?
We help you organise documents you already have. We do not obtain data from third parties unless you do so yourself.

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Can you guarantee an outcome?
No. We do not guarantee outcomes. We focus on clarity and organisation so you can engage effectively with authorised professionals.