UK Insolvency Services

UK Insolvency Services: IVA and personal debt advice in Manchester

UK Insolvency Services is a firm based in Eccles, Manchester, that focuses on Individual Voluntary Arrangements (IVAs), a formal UK instrument for restructuring personal debts. The company presents itself as specialising in this type of solution and offers confidential advice tailored to each client's situation.

Its approach is built around an affordable monthly payment and the write-off of debts the client cannot afford, always within the legal requirements and limits of the procedure. The firm stresses that every financial situation is different and that its role is to guide clients on the available options before they make an informed decision.

How the firm works

The process described by the company has three steps. First, the interested party makes contact via the website form or by telephone. Then, a debt specialist reviews the individual circumstances and sets out the available alternatives. Finally, the client receives the information needed to make an informed decision about their financial future.

The company states that, when an IVA is approved, it will administer it where its resources permit. If it cannot do so, or if the client does not meet the criteria for an IVA, it refers the case to FCA-authorised partners. In certain cases where an alternative solution is offered, UK Insolvency Services may receive a fee.

Service conditions and warnings

The firm sets out several conditions associated with its work. Debt write-off applies only to unsecured debts and is contingent on the successful completion of the IVA; if the arrangement fails, any remaining debts are not written off. A failed IVA could lead to bankruptcy, although the company notes that this is uncommon and that other alternatives may be available.

It also warns that the ability to obtain credit will be affected. For homeowners, equity release from the property may be required; if equity cannot be released but is available, creditors may request an additional twelve months of payments as compensation. The company reminds clients that free debt counselling and credit information services are available through Money Helper.

Structure and regulation

UK Insolvency Services is registered in England and Wales with number 11807182 and has ICO reference ZB642653. Donald Harper is authorised in the UK to act as an Insolvency Practitioner by the Insolvency Practitioners Association. The firm provides advice in reasonable contemplation of an IVA appointment and provides information on all solutions so that clients can make an informed decision.

Office in Eccles, Manchester

The company operates from its office at City Approach, Albert Street, Eccles, Manchester M30 0BL. It is open Monday to Friday, 9:00 to 19:00, with separate lines for the advice team and for customer service.

Location and contact

City Approach, Albert Street, Eccles, Manchester M30 0BL