UK Debt Service

What UK Debt Service does

UK Debt Service, operated by UK Insolvency Services Ltd (Company No. 11807182), is a UK-based debt-advice intermediary founded in 2018 that connects individuals with problem unsecured debt to a panel of regulated third-party debt solution providers. The company serves consumers across all four UK jurisdictions (England, Wales, Northern Ireland, Scotland) and offers signposting to a comprehensive portfolio of solutions including Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), Bankruptcy, Debt Relief Orders (DROs), Protected Trust Deeds, Debt Arrangement Schemes, Sequestration, Minimal Asset Process, Moratorium, Breathing Space, and Administration Orders. Free initial advice is delivered via telephone (0161 823 4974/4978), website callback forms, and WhatsApp, with formal solutions delivered by panel partners regulated by the FCA, Insolvency Practitioners Association, or ICAEW. Two named Insolvency Practitioners (Guy Withey, Donald Harper) anchor the regulated offering.

The technology stack is intentionally minimal: a WordPress-based content marketing site optimised for organic search on debt-related queries, supported by paid remarketing integrations with Facebook, Google AdWords, and Bing, plus organic social channels on Facebook and Instagram. No proprietary technology, mobile app, API, SDK, or AI/ML capability is disclosed; the company's value sits in distribution, regulatory signposting, and partner orchestration rather than in software or data assets.

Revenue is generated exclusively through affiliate referral fees paid by panel providers when a referred customer proceeds with a formal debt solution. Pricing is not set by UK Debt Service itself; IVA fees (Nominee ~£1,650, Supervisor ~£1,750, disbursements ~£250) and bankruptcy fees (~£680 for England/Wales, ~£647 for Northern Ireland) are set by the regulated providers and agreed with creditors. Acquisition runs through top-of-funnel content marketing (blog/news section covering IVA vs DMP comparisons, seasonal budgeting, mental health and debt), SEO, and paid remarketing. The company claims to have helped '1000's' of customers and holds an 'Excellent' Trustpilot rating, with strategic partnerships with the National Suicide Prevention Alliance, National Support Network, and Money Helper extending its positioning beyond pure debt referral into debt-related wellbeing signposting.

Name

UK Debt Service

Legal name

UK Insolvency Services Ltd

Website

https://uk-debtservice.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

UK Debt Service is a UK debt-advice intermediary connecting individuals with problem debt to a panel of FCA-, IPA-, and ICAEW-regulated third-party providers, earning referral fees across IVA, bankruptcy, DRO, DMP, and Breathing Space solutions.

Ownership category

akta.pro rank

Product category

Consumer Debt Advisory Services

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Debt advice services
• Debt solutions referral
• Individual voluntary arrangements
• Debt counselling
• Personal insolvency advice

Headquarters

HQ city

Chester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Referral/Introduction Fees: UK Debt Service receives fees for introducing customers to their panel of trusted third-party debt solution providers. If a customer decides to set up an IVA or other debt solution through a provider partner, UK Debt Service receives a fee for the introduction or preparatory work completed. Ongoing services may also generate fees when customers proceed with formal debt solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

UK Debt Service is a UK debt advice intermediary that provides free initial advice to individuals with problem unsecured debt and introduces them to a panel of regulated third-party providers offering formal and informal debt solutions. The firm's services cover the full spectrum of UK debt solutions, including IVAs, Bankruptcy, Debt Relief Orders, Debt Management Plans, Protected Trust Deeds, Debt Arrangement Schemes, Sequestration, Minimal Asset Process, Moratorium, Breathing Space, and negotiated agreements, with geographic coverage across England, Wales, Northern Ireland, and Scotland.

Product overview

UK Debt Service is a debt advice intermediary that provides free debt counselling, debt adjusting, and credit information services by connecting individuals with a panel of trusted third-party debt solution providers. The company specializes primarily in Individual Voluntary Arrangements (IVAs) but offers access to a comprehensive range of formal and informal debt solutions across England, Wales, Northern Ireland, and Scotland. The product portfolio includes formal insolvency solutions (IVA, Bankruptcy, DRO, Protected Trust Deed, Sequestration, Minimal Asset Process), informal arrangements (Debt Management Plan, Negotiated Agreement with Creditors, Administration Order), and protective mechanisms (Breathing Space, Moratorium). All services are subject to eligibility criteria and provided through partners regulated by the FCA, Insolvency Practitioners Association, or ICAEW.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Advice and Signposting Service Free initial debt counselling and advice service (debt counselling, debt adjusting and credit information services) that connects UK consumers with panel providers regulated by the FCA, IPA or ICAEW for all available debt options. Targets individuals with problem unsecured debt.
• Individual Voluntary Arrangement (IVA) Formal legally binding debt solution in which a licensed Insolvency Practitioner sets up a 5-6 year repayment plan with creditors, after which remaining unsecured debt is written off. For UK residents with unaffordable unsecured debts.
• Bankruptcy Formal insolvency procedure for individuals unable to pay their debts, available across England & Wales and Northern Ireland with associated application fees and bankruptcy deposits. For individuals with debts they cannot repay.
• Debt Relief Order (DRO) Formal debt solution for UK individuals with low income and few assets, with no application fee. Provides a route to debt forgiveness.
• Debt Management Plan (DMP) Informal arrangement where a single affordable monthly payment is negotiated with creditors based on what the debtor can afford. May be set up through providers or free through charities such as StepChange.
• Protected Trust Deed (PTD) Scottish debt solution that protects assets while allowing repayment of debts over a typically four-year period. For Scottish residents.
• Debt Arrangement Scheme (DAS) Scottish government-run debt solution allowing individuals to repay their debts through a single monthly payment over an extended period. For Scottish residents.
• Sequestration The Scottish equivalent of bankruptcy; a formal insolvency procedure for individuals in Scotland unable to pay their debts.
• Minimal Asset Process (MAP) A simplified bankruptcy process available in Scotland for individuals with minimal assets and low income.
• Moratorium A period of legal protection during which creditors cannot pursue debt collection actions against the individual.
• Breathing Space Government-backed debt respite scheme that pauses interest, fees and enforcement for 60 days (or longer for those receiving mental health crisis treatment), giving individuals time to seek debt advice.
• Negotiated Agreement with Creditors An informal arrangement where debtors contact creditors directly to negotiate repayment terms, potentially including partial debt write-offs and frozen interest or charges.
• Administration Order A formal legal debt solution for individuals with a County Court Judgment (CCJ) or High Court Judgment under £5,000, allowing debts to be paid through a single monthly payment to the court.

Named customers8 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• National Suicide Prevention Alliance (NSPA)coreStrategic or Co-development PartnerUK Debt Service is a member of the National Suicide Prevention Alliance. This membership allows them to work with the alliance on reducing stigma around suicide, encouraging help-seeking, providing appropriate support, and affecting real change in suicide awareness and prevention.
• National Support NetworkcoreStrategic or Co-development PartnerUK Debt Service has partnered with the National Support Network to create a Support Hub containing information on vetted support services and resources for customers struggling with debt and mental health.
• Money HelperminorGTM or Marketing PartnerUK Debt Service refers customers to Money Helper (government-backed service) for free debt counselling, debt adjusting, and credit information services. Promoted on their website alongside their own services.
• Third-Party Provider Panel (GWFS, Refresh, Anchorage Chambers, The Insolvency Group, The Debt Advice Service, Bee Wise, Advice Centre Group, PBS)coreChannel Partner/ Reseller/ DistributorUK Debt Service works with a panel of trusted third-party companies who provide regulated debt advice and solutions. These companies have in-house advisors who go through all appropriate debt options. All providers are regulated by FCA, IPA, or ICAEW and cover all solutions for England, Wales, Northern Ireland and Scotland.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• National Debtline: UK charity-funded telephone and web debt advice service for individuals. Operates in the same vertical (DMP, IVA referrals) and competes for the same SEO-driven consumer demand for debt help.
• Christians Against Poverty (CAP): UK charity offering free debt counseling and DMPs with a client base overlapping UK Debt Service's. Comparable in service catalog and customer acquisition through free advice and trust-driven channels.
• McCambridge Duffy (IVA Firm): UK insolvency practice focused on IVAs and personal insolvency solutions. Functions as a regulated panel-member type for UK Debt Service and competes directly for the same IVA case flow.
• Money Wellness: UK-based debt advice provider offering IVAs, DMPs, DROs and bankruptcy referrals. Direct rival in the fee-bearing debt solutions referral market and operates similar affiliate-style distribution.
• StepChange Debt Charity: Largest UK free debt advice charity offering DMPs, IVAs, DROs and other solutions. Direct substitute because it provides the same debt counseling/adjusting services that UK Debt Service's panel delivers, but free of charge and at much greater scale.
• Citizens Advice: UK charity providing free debt advice and money guidance, including signposting and casework on consumer debt. Comparable to UK Debt Service in the same target market (individuals with problem debt), competing for the same inbound traffic via SEO.
• Creditfix: One of the UK's largest IVA marketing and administration firms, regulated by the FCA. Most analogous peer in scale and revenue model — high-volume IVA introductions — and a key source of competitive pressure for any partner/introducer network.
• Aperture (IVA / Debt Provider): UK regulated debt advice and IVA provider acting as introducer-style intermediary. Offers the same menu of debt solutions and serves the same unsecured-debt consumer segment as UK Debt Service's panel.
• PayPlan (TDB / Income & Assets): Free, FCA-regulated UK debt advice service offering DMPs, IVAs and informal arrangements. A direct competitor to UK Debt Service's panel of third-party providers, with similar product coverage and target customer profile.

Broad incumbents

• Money Helper (Mas - backed): Government-backed UK service providing free money guidance, debt counseling and credit information. UK Debt Service itself refers customers here for free advice, making it both a partner and the most credible free incumbent in the same space.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/UKDebtService-169840711504040
• Instagraminstagram.com/ukdebtservice

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 UK Debt Service