McCambridge Duffy
McCambridge Duffy is a UK and Ireland insolvency firm, family-run since 1932, specialising in Individual Voluntary Arrangements and complementary debt solutions for individual consumers and small businesses, generating fee income from creditor-approved Nominee and Supervisor fees across multi-year IVA terms.
- Company typePrivate
- Founded1932
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What McCambridge Duffy does
McCambridge Duffy LLP is a UK and Ireland-based debt advisory and insolvency firm, family-run and operating continuously since 1932, with headquarters in Derry, Northern Ireland and a registered office in Mayfair, London. The firm's core product is the Individual Voluntary Arrangement (IVA), a formal insolvency solution that consolidates unsecured personal debts into a single affordable monthly payment, freezes interest and charges, and writes off remaining balances after a typically 60-month supervision term; complementary services include Bankruptcy, Debt Management, Debt Relief Orders, self-employed and corporate insolvency, Scottish Trust Deeds, Administration Orders, and accountancy services. Technology is a third-party stack rather than a proprietary platform - Zoho CRM for lead handling, Turnkey for case management, Finvence for Open Banking bank-statement review, Valid8 (incorporating Equifax, Experian, TransUnion) for credit search, LexisNexis for AML checks, Bottomline and Global Payments for payment processing, and DocuSign/Xodo Sign for electronic signatures - stitched into a workflow that supports an IVA Portal and online IVA calculator for self-service.
The revenue model is professional services, with no upfront fees charged: McCambridge Duffy earns Nominee fees for drafting and proposing the IVA and Supervisor fees for ongoing monitoring across the multi-year term, both deducted from client monthly contributions and creditor-approved at the outset. Customer acquisition is direct-to-consumer, led by a freephone advisory line, with supplementary reach via website forms, online chat, WhatsApp, email, Zoom, and Timify appointment booking; the website also drives organic lead flow through SEO and educational content, supported by TrustPilot reputation. Customers are predominantly individual consumers in the UK and Ireland struggling with unaffordable unsecured debts, with a secondary segment of self-employed individuals and small businesses requiring more complex restructuring. The firm is regulated by ICAS, DETI, and the IPA, is a member of R3, and employs 4-5 in-house licensed Insolvency Practitioners - a depth the company highlights as materially above competing IVA providers.
McCambridge Duffy firmographics
Firmographics- Name
- McCambridge Duffy
- Legal name
- McCambridge Duffy LLP
- Website
- https://mccambridgeduffy.co.uk
- Company type
- Private
- Founded year
- 1932
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- McCambridge Duffy is a UK and Ireland insolvency firm, family-run since 1932, specialising in Individual Voluntary Arrangements and complementary debt solutions for individual consumers and small businesses, generating fee income from creditor-approved Nominee and Supervisor fees across multi-year IVA terms.
- Ownership category
- akta.pro rank
McCambridge Duffy industry classification
Industry- Product category
- Debt Advisory and Insolvency Services
- NAICS
- Trusts, Estates, and Agency Accounts (52592), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK)
- akta.pro secondary industries
- Fee-Based Advisory (FSAEAAAM), Debt Advisory & Financing Advisory (FSAEAGAD)
Keywords
Where McCambridge Duffy is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
McCambridge Duffy business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- IVA Fee Income: Fees for Individual Voluntary Arrangements are deducted from the client's monthly contribution. Fees consist of Nominee fees (for setting up the IVA proposal) and Supervisor fees (for ongoing monitoring). All fees are approved by creditors at the outset and come from the client's monthly payment into the IVA. No upfront fees charged.
- Nominee and Supervisor Fees: Nominees fee covers creating IVA proposal and setting up creditors meeting. Supervisors fees cover ongoing supervision and maintenance throughout the IVA term (typically 5 years). Fees are drawn from monthly contributions and are set by creditors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | No upfront fees - fees only from monthly IVA contributions |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
McCambridge Duffy product offering
Product offeringCore offering
McCambridge Duffy provides Individual Voluntary Arrangements (IVAs) and a complementary suite of formal and informal insolvency solutions for individuals and businesses struggling with unaffordable unsecured debts. The firm handles initial financial assessment, IVA proposal drafting, creditor negotiation, ongoing supervision (typically 60 months), and completion services. It also provides signposting to alternative debt solutions where an IVA is not appropriate.
Product overview
McCambridge Duffy is a debt solutions firm specializing in Individual Voluntary Arrangements (IVAs) as its primary service, offering a comprehensive suite of formal and informal insolvency solutions. The core product is the IVA, a 60-month debt repayment arrangement that reduces monthly payments and writes off remaining balances upon completion. Supporting the IVA are the IVA Calculator (online estimation tool), IVA Portal (client account access), and IVA Application Form. The firm also provides complementary services including Bankruptcy, Debt Management, Debt Relief Orders, Self Employed Debt Solutions, Corporate Insolvency, Accountancy Services, Debt Consolidation, Administration Orders, and Trust Deeds. The offering functions as a platform where clients receive initial assessment, proposal drafting, creditor negotiation, ongoing supervision, and completion services primarily for IVAs.
Differentiator
Problem solved
Functional benefit
Products and services
- Individual Voluntary Arrangement (IVA) Formal insolvency solution for individuals with unaffordable unsecured debts, providing a court-approved repayment plan (typically 60 months) negotiated with creditors, with interest and charges frozen, monthly payments reduced to an affordable level, and remaining debt written off on completion.
- Bankruptcy Services Formal court-administered procedure for individuals unable to repay their debts, involving asset realisation and debt discharge typically after one year, with signposting advice provided.
- Debt Management Plan (DMP) Informal debt solution involving negotiation of a single affordable monthly payment to be distributed across creditors, with advice and signposting provided to clients for whom an IVA is not appropriate.
- Debt Relief Order (DRO) Formal insolvency solution for individuals on low income with unaffordable debts and minimal assets, resulting in qualifying debts being discharged after one year.
- Self-Employed Debt Solutions Specialist insolvency solutions for self-employed individuals, sole traders, partnerships, and limited companies facing business-related financial difficulty and personal guarantees on business loans.
- Corporate Insolvency Services Corporate restructuring, Company Voluntary Arrangements, liquidations, and winding-up procedures for limited companies in financial distress.
- Accountancy Services Professional accounting services that support insolvency proceedings and the preparation of financial documentation required for IVA and corporate cases.
- Debt Consolidation Advice Information and guidance on consolidating multiple debts into a single monthly payment through personal or secured loans, with signposting to appropriate providers.
- Administration Order Court-administered debt repayment arrangement for debts under £5,000, with consolidated monthly payments distributed to creditors by the county court.
- Trust Deed Scottish debt solution, similar in effect to an IVA, allowing affordable debt repayments typically over three years with remaining debts written off on completion.
Quantifiable outcome
- Monthly debt repayments reduced by 60-80% on average
- +3 more outcomes
Companies that use McCambridge Duffy
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
McCambridge Duffy technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
McCambridge Duffy partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- National Debt ReliefcoreSister company providing all debt advice services on behalf of McCambridge Duffy. All debt advice is provided by National Debt Relief as the advisory arm of the firm.
- StepChange and Citizens Advice BureauminorReferral partners to whom McCambridge Duffy signposts clients when an IVA is not the appropriate solution.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
McCambridge Duffy competitors and assessment
Company assessmentDirect peers
- Money Wellness: Money Wellness provides IVAs and debt management services to UK consumers, often via referral from StepChange. Competes directly with McCambridge Duffy on price, client experience, and IVA acceptance capability.
- Creditfix: Creditfix is one of the UK's largest IVA specialist providers, offering Individual Voluntary Arrangements and related debt solutions directly to consumers. Direct rival to McCambridge Duffy with a similar sales-led, fee-based advisory model targeting the same UK personal insolvency segment.
- PayPlan: PayPlan is a major UK provider of free and fee-based debt advice, including IVAs and Debt Management Plans, serving consumers with unaffordable debts. Closely comparable in service mix, customer segment, and regulatory positioning to McCambridge Duffy.
- Aperture Debt Solutions: Aperture is a UK insolvency practitioner offering IVAs, debt management plans, and related services to consumers. Comparable business model, regulatory standing, and target customer base to McCambridge Duffy.
- Debt-Free Direct: Debt-Free Direct is a specialist UK IVA provider offering Individual Voluntary Arrangements and related insolvency solutions. Direct competitor with similar fee structure and target customer base as McCambridge Duffy.
- Gregory Pennington: Gregory Pennington is a long-established UK IVA and debt solutions provider, operating on a comparable fee-based, in-house IP model and serving individuals struggling with unaffordable personal debt in direct competition with McCambridge Duffy.
Others
- Citizens Advice: Citizens Advice is a UK consumer-facing advice network providing free debt guidance and signposting to specialist providers such as McCambridge Duffy. Acts as a referral feeder into the IVA market rather than a direct paid competitor.
- StepChange Debt Charity: StepChange is the UK's largest debt advice charity, providing free Debt Management Plans and signposting clients to IVA providers like McCambridge Duffy. A channel partner (signposting referrals) rather than a paying competitor, but central to the same end-customer journey.
Emerging players
- Forest King (trading as Debt Camel): Debt Camel is an emerging digital-first UK debt advice intermediary helping consumers compare IVA providers and find appropriate debt solutions. Partial overlap with McCambridge Duffy in target customer but acts as a comparison/referral layer rather than a provider.
Broad incumbents
- Christians Against Poverty: CAP is a UK charity offering free debt advice and access to insolvency solutions including IVAs. While charity-based and broader in scope than McCambridge Duffy, it targets the same distressed consumer segment and operates within the same regulatory framework.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
McCambridge Duffy social profiles
Digital presenceMcCambridge Duffy compliance and trust
Trust signalCompliance4 records
McCambridge Duffy financial estimates
Financial estimateRevenue estimate
Valuation estimate
McCambridge Duffy leadership team
Management profileNumber of profiles
Profiles5 records
McCambridge Duffy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
McCambridge Duffy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about McCambridge Duffy
What does McCambridge Duffy do?
McCambridge Duffy provides Individual Voluntary Arrangements (IVAs) and a complementary suite of formal and informal insolvency solutions for individuals and businesses struggling with unaffordable unsecured debts. The firm handles initial financial assessment, IVA proposal drafting, creditor negotiation, ongoing supervision (typically 60 months), and completion services. It also provides signposting to alternative debt solutions where an IVA is not appropriate.
Is McCambridge Duffy a public or private company?
McCambridge Duffy is a private company. It is classified as family owned and is currently operating.
When was McCambridge Duffy founded?
McCambridge Duffy was founded in 1932. It employs 11 to 50 people.
Where is McCambridge Duffy based?
McCambridge Duffy is headquartered in London, United Kingdom, in the Europe region.
How does McCambridge Duffy make money?
Two revenue lines are on record. IVA Fee Income is the primary driver. The others are nominee and Supervisor Fees.
Who are McCambridge Duffy's main competitors?
Direct peers on record are Money Wellness, Creditfix, PayPlan, Aperture Debt Solutions, Debt-Free Direct and Gregory Pennington. Others are Citizens Advice and StepChange Debt Charity. Forest King (trading as Debt Camel) is listed as an emerging player. Christians Against Poverty is listed as a broad incumbent.
Does McCambridge Duffy have an API?
No public API is recorded for McCambridge Duffy.
What industry is McCambridge Duffy in?
McCambridge Duffy's product category is Debt Advisory and Insolvency Services. Its primary akta.pro industry code is FSAKAJAK, Bankruptcy, Insolvency & Restructuring Servicing (Consumer), with a secondary code of FSAEAAAM, Fee-Based Advisory. Its NAICS code is 52592 and its SIC code is 6141.