Claims survive an IVA. In some cases they survive bankruptcy too.
Undisclosed commission on the loan, finance facility or energy contract that contributed to your distress is often still recoverable. We handle the trustee and supervisor engagement. You do not need to be back in profit to start.
What do you want to check?
Pick the closest match. Most clients qualify on more than one — we'll flag them.
You’re not being judged for being here.
Most people who’ve been through an IVA, a bankruptcy or a company insolvency assume the door is closed on old commercial claims. It isn’t. In fact — because the commission that was hidden from you often contributed to the pressure in the first place — these are frequently the highest-value recoveries we see. A single dedicated caseworker handles your file, start to finish, by name. Not a call centre.
The specific things we go after on your behalf.
Claims within an IVA estate
Claims typically vest in the IVA supervisor, which means they have a say — but the commission amount is often still recoverable, and we handle supervisor engagement end-to-end.
Post-discharge bankruptcy
Once discharged, certain commercial claims vest back in you. We identify which ones apply, and pursue the live ones.
Company administration / liquidation
The claim is an asset of the estate. We can work with the appointed IP to assign it out to a director, or pursue for the benefit of creditors under a CFA.
Director-level guarantees called
Where a PG has been called because of a facility that carried undisclosed commission, the unfairness reaches into your personal liability too.
HMRC tax debt driven by mis-sale
We partner with insolvency practitioners where tax debt was caused or worsened by the hidden cost of the mis-sold product.
Pre-pack scenarios
Live claims from the old entity can, in the right conditions, be assigned to the new entity. We advise on structuring at the right moment.
A short path from eligibility to money in the bank.
- 1
Confidential conversation
Named caseworker, 30-minute call, no judgement. We establish the distress path and the original facilities.
- 2
Estate and trustee check
We determine where each live claim sits — with you, the supervisor, the IP, or the estate — and plan the route.
- 3
Claim built and raised
Documents pulled by DSAR, legal strategy locked, claim filed. Trustee engagement if needed.
- 4
Recovery
Proceeds distributed per the estate’s legal requirements. Fee only deducted on amounts successfully recovered.
We can usually help if any of these apply.
- You have an IVA currently running or completed
- You were made bankrupt and have since been discharged
- Your company went into administration or liquidation
- A personal guarantee was called on a business loan
- You entered a CVA or pre-pack and a new entity now trades
- You had broker-arranged asset, loan or energy contracts before the distress
- You believe hidden cost contributed to the pressure you were under
- You’re unsure whether you can claim — we’ll tell you honestly
Common questions.
- Generally, yes — and we handle that conversation for you. In practice most supervisors are receptive because the recovery benefits the IVA estate (creditors and you).
Start a confidential conversation.
60-second eligibility check or a direct call with a named caseworker — your choice. Either way, there’s no cost and no commitment.