Support for UK company directors

The company has a situation. You have a position.

When company debt starts arriving with your name on it, you need someone on your side. We help directors see exactly where they stand, personally, and what to do next.

Talk in confidence How it works
  • Free first call
  • Strictly confidential
  • Independent
  • Same-day response

Monday to Friday, 8am to 8pm  ·  0800 000 0000

40 min

The first call. Private, free, and with no obligation to go further.

48 hrs

To a plain-English written reading of where you stand, personally.

£0

To find out. Fees only ever apply to work agreed in writing, in advance.

Where it starts to feel personal

It never arrives as one thing.

A customer who pays late, then not at all. A VAT bill covered from your own pocket. A guarantee signed in a hurry years ago. None of it is a crisis on its own. Together, it changes how you sleep.

Creditor pressure

Letters get formal. Calls get shorter. Then a statutory demand lands and starts a 21-day clock most directors don't know is running.

Personal guarantees

The overdraft, the lease, the vehicle finance. Signed to get the business moving. Now the one document that reaches past the company to you.

Director's loan account

Money taken to keep things going, meaning to put it back. In a liquidation it becomes a debt you owe, and a liquidator's job to collect it.

By the time most directors speak to anyone, they've carried it alone for months. Kept it from staff, from family, sometimes from co-directors. Still opening the post, just later in the day. That is the point we exist for.

The situations

Whatever it is, we've seen it before.

Eight ways company trouble becomes personal. Most directors arrive with more than one, and they tend to be connected.

01

Creditor pressure

Statutory demands, collection agents, threats of a petition. What each one means, and how much time you have.

Read more
02

Director's loans

An overdrawn loan account becomes a personal debt. Understand the number before a liquidator does.

Read more
03

Personal guarantees

Which guarantees are live, what they're really worth to the lender, and what can be negotiated.

Read more
04

HMRC arrears

PAYE, VAT and Corporation Tax. Time to Pay, enforcement, and the point where HMRC stops negotiating.

Read more
05

Bounce Back Loans

Arrears, questions about how it was spent, and what closing the company means for a loan you applied for.

Read more
06

Winding-up petitions

The seven-day window, the advertisement, the frozen account. What can still be done, and by when.

Read more
07

Wrongful trading

When carrying on stops being brave and starts being a personal risk. The record to keep from today.

Read more
08

Wages & payroll

The decision you've been dreading. Options that protect your staff without sinking you.

Read more

Your position

Where the company ends and you begin.

A limited company is designed to stand between you and its debts. Under pressure, that line moves. A guarantee here, an overdrawn loan account there, a decision to keep trading that a liquidator later reads differently.

We start by drawing the line with you. What is the company's problem, and what is genuinely yours. From there, the decisions get simpler, even when they aren't easy.

Company The situation

  • Its debts, and who is owed what
  • Which creditors can act, and how fast
  • Whether it can be rescued, sold or closed
  • What a formal process would actually look like

You Your position

  • What you're personally exposed to, and for how much
  • Which guarantees are live, and which can be negotiated
  • Where your conduct will be looked at, and how to protect it
  • What to do first, and what to leave alone

How it works

Clarity in three steps.

No script, no product at the end of it. The point of the process is to leave you knowing where you stand and what to do first.

01

Talk

A private call, by phone or video, at a time that suits you. Say what's actually happening, including the parts you'd rather not say out loud. We listen for what bears on your position.

40 minutesFreeEvenings available
02

Know

Within 48 hours, a written reading of your position in plain English. What the company faces. What you face. What's urgent, and what only feels urgent.

Written noteYours to keep
03

Act

A route you can act on. Sometimes a negotiation we help you run. Sometimes an introduction to a licensed insolvency practitioner or solicitor, briefed and on your side of the table. Sometimes confirmation you're in better shape than you feared.

Fees agreed in advanceNo referral fees

How it works, in detail

Timing matters

Pressure runs to a timetable. Most directors are never shown it.

A creditor who wants paying follows a sequence. Each stage removes an option. Knowing where you are on the line is the difference between choosing an outcome and being handed one.

  1. Day 0

    A statutory demand is served

    A formal demand for an undisputed debt of £750 or more. Not a court document, but it starts a clock.

  2. Day 21

    The demand expires

    The creditor can now petition to wind the company up. Many don't. Some do the same afternoon.

  3. Petition

    Served at the registered office

    It can't be advertised for seven clear days. This is the last quiet window, and the most valuable one.

  4. Advertised

    The petition appears in The Gazette

    Banks see it. Accounts are usually frozen. Payments made after this point can later be unwound.

  5. Hearing

    The court decides

    Usually six to eight weeks after issue. A winding-up order can be made in minutes, and the Official Receiver's interest in the directors begins.

Tell us where you are

At every point on this line there are things that can be done. Fewer of them at each stage. The reason to talk early isn't urgency. It's options.

Straight answers

What we are. What we're not.

Directors under pressure attract attention. Some of it is useful. A lot of it is people who'd like to be paid for your problem. So let's be clear.

We are

  • Director-first

    The company's creditors have advisers. Its bank has a whole department. We work for you.

  • Independent

    We're not an insolvency practice and we don't sell a process. We take no fee from anyone we introduce you to.

  • Discreet

    Nothing you tell us goes anywhere without your say. We never contact your company, creditors or co-directors.

We are not

  • A debt write-off service

    If someone promises to make a personal guarantee disappear, be careful. We tell you what can genuinely be negotiated, and what can't.

  • A lead generator

    Your details aren't passed to a panel. When we make an introduction, we tell you who, why, and what it will cost.

  • A substitute for regulated advice

    Where you need a solicitor or a licensed insolvency practitioner, we say so, and get you to the right one, properly briefed.

In confidence

Start with a conversation.

Tell us a little about what's happening. We'll come back within one working day, usually much sooner, and only in the way you ask.

Used only to contact you. See our privacy notice.

Thank you. We'll be in touch within one working day.

If you asked us to call from a withheld number, we will. If something changes before then, the phone line is open.