McCambridge Duffy

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.

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

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

• Debt advisory services
• Individual voluntary arrangements
• Personal insolvency solutions
• Corporate insolvency services
• Debt management solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

Partnerships

Two partnerships are on record, tiered core and minor.

• National Debt ReliefcoreStrategic or Co-development PartnerSister 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 BureauminorChannel Partner/ Reseller/ DistributorReferral partners to whom McCambridge Duffy signposts clients when an IVA is not the appropriate solution.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Xx.com/debt_advice_roi
• Facebookfacebook.com/IVADebtHelp
• LinkedInlinkedin.com/company/mccambridge-duffy-llp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about McCambridge Duffy