Our Services

A detailed, independent examination of your current IVA or financial situation.

​

What we check:

• Whether your IVA followed the IVA Protocol 2025

• Whether your budget was completed properly

• Whether your health or vulnerability was overlooked

• If alternative options were explained correctly

• Whether introducers influenced or coached you

• If equity or assets were valued fairly

 

What you receive:
A written forensic report you can use with your Insolvency Practitioner, in a complaint, or with a regulated debt adviser if you choose to speak to one.

If paperwork, stress or health issues make things difficult, you can appoint us to act on your behalf.

​

We can handle:

• All communication with your Insolvency Practitioner

• Gathering documents and evidence

• Drafting letters and emails

• Complaint submission and escalation

• Ensuring your rights under SIP 3.1 and the Protocol are respected

• Protecting you from unwanted or confusing contact

 

You remain in full control at all times.

Many of our clients are older, unwell, isolated or overwhelmed.
We make sure you are treated fairly and with care.

​

Includes:

• Preparing medical or vulnerability evidence

• Organising documents for reviews or variations

• Ensuring your circumstances are recognised

• Challenging unfair treatment or procedural errors

 

This is administrative and advocacy support — not debt advice.

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 support during a difficult time.

​

We help with:

• Setting up simple, low-stress token payments (at your instruction)

• Organising creditor letters, balances and reference numbers

• Drafting correspondence about changed circumstances

• Preparing affordability information and supporting documents

• Gathering everything a regulated adviser may need

• Ensuring your Insolvency Practitioner treats you fairly

• Preparing complaint evidence where required

• Managing communication under Power of Attorney (if appointed)

 

We do not:

• Recommend a debt solution

• Advise stopping payments

• Handle client money

• Negotiate settlements

 

We simply organise, protect, and advocate — at your pace.

If your IVA has ended or become unmanageable, we help you regain control.

​

Includes:

• Stop-harassment correspondence

• Credit-file error checks

• Drafting mis-sold IVA complaints

• Organising paperwork for bankruptcy or DRO advisers

• Helping you understand what documents you will need next

 

This is practical, non-regulated support.

A dedicated service for older clients who were placed into IVAs they should never have been in.

​

You receive:

• Forensic IVA review

• Equity and asset reality check

• Complaint drafting

• Paperwork organisation

• Representation via Power of Attorney

• Friendly, patient, ongoing support

 

Our “Tea & Chat” approach is gentle, human and fully focused on protecting you.

For homeowners in IVAs, we provide clear, factual, independent analysis.

​

We provide:

• Independent valuation ranges (not forced-sale figures)

• Net-equity calculations

• Checks against IVA Protocol rules

• A plain-language explanation of your real position

 

This is analysis only — not mortgage or legal advice.

If online systems or paperwork feel overwhelming, we can assist.

​

We help with:

• Getting your credit reports

• Organising and identifying old sold-on debts

• Drafting letters to correct errors

• Preparing documentation for regulated professionals if needed

 

We do not provide credit scoring advice or recommend products.

Practical, everyday administrative help for people who need an extra pair of hands.

​

Includes:

• Blue Badge paperwork

• Utility hardship requests

• Council forms

• Evidence packs for benefit advisers

• Organising household documents

• Responding to official letters

 

This is everyday admin support, not debt advice.