What David and Goliath does

David & Goliath Debt Advice Limited is a UK-registered, founder-led debt advice and settlement firm that negotiates with creditors on behalf of individual consumers who are struggling with unsecured debts, including credit card balances, bank and consumer loans, debts purchased by debt purchasers (e.g., Lowell, Cabot, 1st Credit), and personal guarantees enforced against business owners. The firm is headquartered in Marlborough, Wiltshire, and operates as a small practice built around founder David Bloom, who brings 30+ years of creditor-side experience including seven years as CEO of credit card company TradePro Card Services and senior roles at CitiBell Telecom, Warburg Securities, Macquarie Bank, and Hill Samuel & Co.

The firm's core product is contingency-based debt negotiation at a single 12.5% fee on realised savings (12.5% of the difference between original debt and settlement amount; no fee if no saving is achieved), supported by add-on modules for legal representation in Small Claims and Fast Track court matters, debt enforceability review, and personal guarantee negotiation. There is no proprietary technology platform disclosed; the underlying capability is legal and regulatory expertise, deep knowledge of creditor settlement parameters, and the ability to identify unenforceable debts. The firm reports an average 78% debt reduction across its case load and claims to have settled millions of pounds of debt, with individual outcomes including a £250,000 personal guarantee settled for £0 and multiple Barclays and HSBC debts written off entirely.

Commercially, David & Goliath reaches customers through direct inbound contact (phone, email, website contact form) and relies on word-of-mouth referrals and website testimonials rather than paid marketing. The firm is authorised and regulated by the Financial Conduct Authority under Consumer Credit Licence No. 626402 and is registered as a UK private limited company (Company Reg No. 6826945). It has no disclosed institutional investors, parent company, subsidiaries, partnerships, or technology integrations, and operates exclusively within the UK.

Name

David and Goliath

Legal name

David & Goliath Debt Advice Limited

Website

https://davidandgoliathgroup.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

David & Goliath Debt Advice Limited is a UK FCA-authorised, founder-led debt settlement firm that negotiates reduced payouts with creditors on behalf of individual consumers, charging a 12.5% contingency fee on realised savings.

Ownership category

akta.pro rank

Product category

Debt Settlement Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Legal Services (8111)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

Keywords

• Debt settlement services
• Debt negotiation services
• Personal guarantee negotiation
• Creditor representation services
• Debt advice services

Headquarters

HQ city

Marlborough

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Settlement Services: Performance-based contingency fee model where the company charges 12.5% of the savings achieved (difference between original debt and settlement amount). If no saving is achieved, no fee is charged. This aligns incentives between the company and client.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

David & Goliath Debt Advice Limited provides debt negotiation and settlement services to individuals struggling with consumer debts of all sizes, including credit card debt, bank loans, consumer loans, and personal guarantees. The firm negotiates directly with creditors, banks, and debt purchaser companies on behalf of clients, often securing substantial discounts or full removal of debts. Services are delivered on a contingency basis: clients pay 12.5% of the savings achieved, with no fee if no saving is made. The firm also provides legal representation in Small Claims and Fast Track cases and identifies unenforceable debts.

Product overview

David & Goliath operates as a debt advice and settlement service built around a single core offering: debt negotiation and settlement. The company provides a unified service that combines legal expertise, creditor representation, and negotiation services. While the primary product is debt settlement (negotiating reduced payouts from creditors on behalf of clients), the company offers supporting modules including legal representation for court cases and personal guarantee negotiation. All services operate on a contingency fee basis where clients pay 12.5% of the debt savings achieved, with no fee if no savings are realized.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Negotiation and Settlement Services Core service in which David & Goliath negotiates on behalf of clients with credit card companies, banks, debt collectors, and debt purchaser companies to reduce or eliminate debt obligations. Clients pay 12.5% of the savings achieved, with no fee if no saving is made. Aimed at UK individuals struggling with consumer debt of all sizes.
• Legal Representation Services Legal representation services for clients whose debt matters proceed to court, including Small Claims cases (typically up to £10,000) and Fast Track cases (up to £50,000). For larger matters, the firm assists in finding direct access Barristers. Aimed at UK individuals facing creditor court action.
• Personal Guarantee Negotiation Specialized negotiation and settlement service for personal guarantees, particularly those enforced by banks against business owners. Demonstrated outcomes include a £250,000 personal guarantee with EVL settled for £0. Aimed at UK business owners facing personal guarantee enforcement.

Quantifiable outcome

• Average 78% savings achieved for clients (clients pay average of 22%)
• +3 more outcomes

Named customers11 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

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Citizens Advice: UK-wide advice network offering debt, consumer and legal advice among many other areas. Overlaps with D&G on debt casework but operates a much broader social-purpose mandate.

Direct peers

• National Debtline: UK free, independent debt advice service funded by the Money Advice Trust. Comparable consumer-credit debt advice and negotiation service for individuals.
• Debt Advice Foundation: UK charity offering free, confidential debt advice across consumer debts including credit cards, loans and debt-purchaser claims — closely comparable target client and service scope.
• Bison Solicitors: UK law firm defending individuals against creditor and debt-purchaser claims, including settlement negotiation. Comparable legal-led, debtor-side debt resolution offering.
• StepChange Debt Charity: UK's largest debt advice charity offering debt management plans, IVAs and settlement services. Directly comparable as a UK consumer debt-advice provider referenced in D&G's own client testimonial.
• PayPlan (Money Wellness): UK free debt advice and debt management plan provider; operates across consumer credit, debt-purchaser and council-tax arrears — directly comparable service mix to D&G.
• McCormacks Solicitors: UK law firm specialising in debt defence, settlement and representation against creditors and debt purchasers. Closely comparable combination of legal expertise and debtor-side negotiation.
• Aperture (formerly Freeman Jones): UK regulated debt advice and solutions provider offering IVAs, DMPs and informal settlements. Directly comparable consumer debt-solutions service for individuals in financial difficulty.
• Christians Against Poverty (CAP): UK charity providing free debt counselling and insolvency advice to individuals in financial distress. Closely comparable mission and client base to D&G's debt-advice offering.

Emerging players

• The Money Charity: UK financial education and money-guidance charity with overlap on consumer debt advice. Thematically adjacent rather than direct competitor, but serves a similar distressed-borrower audience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/david-and-goliath

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 David and Goliath