The Insolvency Group

What The Insolvency Group does

The Insolvency Group Limited is a UK-regulated insolvency practitioner firm specialising in two formal personal debt solutions: Individual Voluntary Arrangements (IVAs) for customers in England, Wales and Northern Ireland, and Protected Trust Deeds (PTDs) for customers in Scotland. The company consolidates multiple unsecured debts (credit cards, personal loans, overdrafts, store cards) into a single affordable monthly payment, freezes interest and charges, provides legal protection from creditor action, and writes off remaining qualifying debts at the end of the arrangement — IVAs typically run 5–6 years and PTDs run 4 years. It is a member of the Insolvency Practitioners Association (IPA) Volume Provider Regulation (VPR) Scheme, which the IPA describes as providing "some of the closest scrutiny seen in financial services" for volume IVA providers, and holds professional indemnity cover with CNA Insurance Company Limited.

The business operates as a consumer-direct, UK-wide B2C practice based in Bolton, Greater Manchester. Customer acquisition is primarily digital via the company website (theinsolvencygroup.co.uk) and an online application portal (cap.appform.co.uk), supplemented by a structured inbound telephone intake (0161 543 2310) with IVR routing across application, creditor query, annual review, complaint, and payment functions. Existing customers are served through TIG Connect (tigconnect.co.uk), a self-serve portal for case tracking, document upload, and creditor claim status. Revenue is generated entirely from fees (Nominee's fee, Supervisor's fees, and costs/expenses) deducted from customers' monthly IVA/PTD contributions as approved by creditors — no separate or additional fee is charged to the customer. Headcount is 87, the company self-describes as the "fastest growing provider of IVAs in the UK," and its 87-person operational footprint is consistent with a volume IVA/PTD administrator rather than a boutique practice.

Name

The Insolvency Group

Legal name

The Insolvency Group Limited

Website

https://theinsolvencygroup.co.uk

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

The Insolvency Group is a UK-regulated insolvency practitioner firm that arranges Individual Voluntary Arrangements (IVAs) and Protected Trust Deeds (PTDs) for individuals with unmanageable unsecured debt across England, Wales, Northern Ireland and Scotland, charging fees deducted from customers' monthly contributions.

Ownership category

akta.pro rank

Product category

Personal Insolvency Services

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Bankruptcy, Restructuring & Insolvency Law (BPAHAAAH)

akta.pro secondary industries

Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK), Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

Keywords

• Individual voluntary arrangements
• Protected trust deeds
• Debt management solutions
• Insolvency practitioner services
• Personal debt relief

Headquarters

HQ city

Bolton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. IVA Fee Income (Nominee's Fee): Nominee's fee covers the initial work of setting up the IVA — reviewing finances, preparing the proposal, and liaising with creditors. This fee is paid out of the customer's monthly IVA contributions and is always paid in priority to any other fees in the Arrangement.
2. IVA Fee Income (Supervisor's Fees): Supervisor's fees cover ongoing administration throughout the IVA term — collecting payments, conducting annual reviews, and creditor communication. Taken monthly in line with fees agreed by creditors. Additional fees may be due if assets are realised or windfalls received during the IVA term.
3. IVA Fee Income (Costs and Expenses): Other costs incurred in connection with running the IVA, such as postage and insurance, which are claimed back dependent on fees and costs agreed. All fees are taken from the customer's monthly payment, not in addition to it.
4. PTD Fee Income (Administration, Realisation, Costs): For Protected Trust Deeds (PTDs) in Scotland, fees include an Administration Fee (preparing the PTD proposal and ongoing administration), Realisation Fees (percentage of sums ingathered into the Trust Deed estate), and Costs and Expenses (postage, insurance). These are taken from monthly PTD payments as approved by creditors.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

The Insolvency Group provides formal personal insolvency solutions for individuals with unmanageable unsecured debt, including Individual Voluntary Arrangements (IVAs) for residents of England, Wales, and Northern Ireland and Protected Trust Deeds (PTDs) for residents of Scotland. Cases are administered by licensed insolvency practitioners and managed through the firm's TIG Connect online customer portal, supported by a dedicated telephone intake process and payment-break handling.

Product overview

The Insolvency Group offers two core debt solutions managed by qualified insolvency practitioners: Individual Voluntary Arrangement (IVA) services for customers in England, Wales, and Northern Ireland, and Protected Trust Deed (PTD) services for Scottish residents. Both solutions consolidate multiple unsecured debts into single affordable monthly payments over fixed periods, with remaining debts written off upon completion. The TIG Connect customer portal provides clients with 24/7 access to their case information, payment tracking, document uploads, and creditor communications. The company is the fastest growing IVA provider in the UK, holding membership in the IPA Volume Provider Regulation Scheme.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Voluntary Arrangement (IVA) A formal, legally binding debt solution for individuals resident in England, Wales, or Northern Ireland who have unmanageable unsecured debt, allowing them to repay a portion of what they owe over an agreed term with the remainder written off. Administered by licensed insolvency practitioners at The Insolvency Group.
• Protected Trust Deed (PTD) A formal Scottish debt solution for individuals resident in Scotland with £5,000 or more of unsecured debt, allowing them to repay an agreed portion over a fixed term with remaining balances discharged. Administered by licensed insolvency practitioners at The Insolvency Group.
• TIG Connect An online customer portal that supports The Insolvency Group's IVA and PTD clients throughout their case lifecycle, including onboarding from telephone intake, ongoing account management, and handling of payment breaks.

Quantifiable outcome

• Remaining unsecured debts written off at the end of a successfully completed IVA or PTD
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insolvency Practitioners Association (IPA) — Volume Provider Regulation SchemecoreOthers · 1 January 2019The Insolvency Group Limited is a member of the IPA Volume Provider Regulation (VPR) Scheme. Launched on 1 January 2019, the VPR Scheme provides close scrutiny of IVA volume providers in financial services. This membership is a regulatory and reputational membership rather than a commercial partnership. All voluntary arrangements approved between 02/08/2019 and 05/05/2022 with Mark Prideaux as supervisor were transferred by Order of the Court to Tracey Howarth of The Insolvency Group Limited.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creditfix: One of the UK's largest volume IVA providers, regulated under the IPA VPR scheme. Competes head-to-head with The Insolvency Group for inbound IVA customers across England, Wales and Northern Ireland with a comparable fee and proposition structure.
• StepChange Debt Charity: The largest UK debt advice charity, providing IVAs and other debt solutions including PTDs. It is the most direct competitor in the IVA volume provider segment and a benchmark for the IPA VPR-regulated market in which The Insolvency Group operates.
• Hanover Insolvency: UK insolvency practitioner firm offering IVAs and PTDs to individual consumers. Comparable mid-market competitor with similar inbound, digital-led acquisition and professional-services fee model.
• McCambridge Duffy: UK volume IVA provider regulated under the IPA VPR scheme. Targets the same consumer segment as The Insolvency Group with a similar fee-led business model and digital-led intake process.
• Aperture (formerly Union Debt Solutions): Volume IVA and PTD provider in the UK operating across all four nations. Directly comparable to The Insolvency Group in product mix, customer profile and IPA VPR-style regulation.
• PayPlan: Established UK provider of IVAs, PTDs and Debt Management Plans, now part of the Totemic group. Directly comparable to The Insolvency Group as a multi-jurisdictional personal insolvency practitioner offering IVA and PTD solutions.
• Financial Support Systems (FSS): UK IVA volume provider regulated under IPA VPR. Competes in the same consumer-direct segment as The Insolvency Group, with a comparable fee structure derived from monthly customer contributions.
• V1 Group: UK insolvency practitioner group offering IVAs, PTDs and related personal insolvency solutions. Closely comparable to The Insolvency Group in service mix and regulatory positioning.
• McKenzie Ward Solicitors / McKenzie Bell: UK insolvency law practice offering IVAs, bankruptcy and PTD services. Comparable as a regulated insolvency practitioner serving the same consumer-debt segment across multiple UK jurisdictions.

Broad incumbents

• Citizens Advice: UK-wide advice network that refers significant volumes of consumers into formal debt solutions including IVAs. Functions as both a competitor (free advice vs paid IVA) and a key upstream feeder of customers into IVA volume providers such as The Insolvency Group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-insolvency-group

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 The Insolvency Group