Our Services

Fact Based Insolvency Review

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 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.

Representation & Power of Attorney

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.

Vulnerability & Safeguarding Support

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.

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 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.

Post-IVA and Failed IVA Support

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.

Pension-Age Advocacy (“Tea & Chat Service”)

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

​

You receive:

• Fact based 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.

Property & Equity Reality Check

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.

Credit File & Admin Support

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.

General Life-Admin Support (For Vulnerable Clients)

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.