Our Services
At Speak For You, we specialise in providing independent document review and factual information to people who want to better understand their IVA or debt situation.
We are not a debt advice firm.
We provide forensic document reviews, administrative support and independent case information, especially for vulnerable or pension-age clients, people with health issues, and those who simply need help understanding letters, forms and communications from Insolvency Practitioners.
Fact-Based Insolvency Review
A detailed, independent examination of your current IVA or financial situation documents.
What we check:
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Whether your IVA documents follow the IVA Protocol 2025
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Whether your budget appears to have been completed properly in the paperwork
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Whether health or vulnerability factors appear in the documentation
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Whether information about your situation was recorded accurately
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Whether the figures and asset valuations are consistent in the documents
What you receive: A written fact-based report you can use with your Insolvency Practitioner, in a complaint, or with a regulated debt adviser if you choose to speak to one.
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Administrative & Document Support
If paperwork, stress or health issues make things difficult, we can provide administrative support to help you manage your own communications and documents.
We can help with:
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Organising your documents and evidence
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Preparing draft letters and emails for you to review, approve and send
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Explaining your rights under SIP 3.1 and the Protocol in plain English
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Helping you understand and respond to communications from your Insolvency Practitioner
Please note: all communications are sent in your name and under your control at all times. We do not act on your behalf or represent you to third parties.
You remain in full control at all times.
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Vulnerability & Safeguarding Support
Many of our clients are older, unwell, isolated or overwhelmed. We provide information and administrative support to help you understand your situation and manage your own documents and communications.
Includes:
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Helping you gather and organise medical or vulnerability related documents
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Organising paperwork for reviews or variation meetings
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Explaining in plain English what your rights and protections are in your documentation
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Identifying procedural issues in your documents so you are informed when engaging with your Insolvency Practitioner
This is administrative and document support, not debt advice.
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Post-IVA and Failed IVA Support
If your IVA has ended or become unmanageable, we can help you regain control.
Includes:
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Stop harassment correspondence
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Credit file error checks
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Drafting mis-sold IVA complaints
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Organising paperwork for bankruptcy or DRO advisers
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Helping you understand what documents you will need next
This is practical, non-regulated support.
Administrative Support for Leaving or Ending an IVA
Some people reach a point where their IVA is no longer suitable or sustainable.
We do not recommend solutions, negotiate debts, or tell you to stop paying — that would be regulated advice.
What we provide is calm, structured administrative and document support during a difficult time.
We help with:
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Organising creditor letters, balances and reference numbers
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Drafting correspondence about changed circumstances for you to review, approve and send
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Preparing affordability information and supporting documents
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Gathering everything a regulated adviser may need
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Preparing complaint evidence and documents where required
We do not:
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Recommend a debt solution
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Advise stopping payments
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Handle client money
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Negotiate settlements
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Act on your behalf or communicate with third parties in our name
We simply help you organise your documents and information — at your pace, and under your control at all times.
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Pension-Age Advocacy (“Tea & Chat Service”)
A dedicated service for older clients who want to understand their IVA documents and whether their situation was handled correctly.
You receive:
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Fact based IVA document review
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Equity and asset document reality check
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Complaint letter drafting for you to review, approve and send
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Paperwork organisation
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Plain-English explanation of your documents and what they show
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Friendly, patient, ongoing support
Our "Tea & Chat" approach is gentle, human and fully focused on making sure you have the information you need — at your own pace.
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Property & Equity Reality Check
For homeowners in IVAs, we provide clear, factual, independent analysis.
We provide:
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Independent valuation ranges (not forced-sale figures)
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Net equity calculations
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Checks against IVA Protocol rules
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A plain-language explanation of your real position
This is analysis only — not mortgage or legal advice.
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Credit File & Admin Support
If online systems or paperwork feel overwhelming, we can assist.
We help with:
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Getting your credit reports
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Organising and identifying old sold-on debts
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Drafting letters for you to review, approve and send to correct errors
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Preparing documentation for regulated professionals if needed
We do not provide credit scoring advice or recommend products.
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General Life Admin Support (For Vulnerable Clients)
Practical, everyday administrative help for people who need an extra pair of hands.
Includes:
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Blue Badge paperwork
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Utility hardship requests
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Council forms
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Evidence packs for benefit advisers
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Organising household documents
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Responding to official letters
This is everyday admin support, not debt advice.
Why People Choose Us
✔ Independent – we are not funded by creditors
✔ Respectful – we work at your pace
✔ Forensic – every detail matters
✔ Experienced – over 30 years of insolvency knowledge
✔ Human – patient, compassionate, and non-judgmental
✔ Information-focused – we give you the facts, clearly and independently
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.