Take Back Control Of Your Finances.


Fresh Start Insolvency are a leading insolvency company who specialise in helping you regain control of your finances.



    Fresh Start provides Individual Voluntary Arrangements (IVAs) for people struggling with debt. Assisting 1,000s of clients, we pride ourselves on delivering excellent customer service, treating our clients in a compassionate and professional manner.

    Our friendly and experienced team share a wealth of industry experience and are driven to assist clients in working towards the successful completion of their IVAs, releasing them from the burden of unaffordable debt. Fresh Start, together with our Insolvency Practitioner, Adam Boys are members of the Insolvency Practitioners Association Volume Provider Regulation Scheme, which strives to achieve better oversight, better outcomes, better service to people in debt and the public interest.


    We know that being in debt can be a challenging experience, we understand that debt issues can impact on your work, relationship, and mental health.

    As such, our team are professional and discreet and will always be here to help you.
    Personal Finance is not a one size fit all case, and we are dedicated to helping you find the best way to manage your debt problems.

    Our pledge is to offer all our customers transparent open and honest assistance in their time of need. We aim to be there to support, comfort and assist every step of the way with a compassionate and professional manner.



    Frequently Asked Questions


    Your creditors can sometimes take a little time to update their records after your IVA has been approved, but don’t worry. If you receive any correspondence that you are concerned about, such as threatening court proceedings or bailiff action please send them into us, and we will check that they are included in your IVA.

    Whilst we work hard to ensure that your creditors are aware of your IVA and don’t contact you for payment, sometimes things can slip through the net and a creditor will contact you – if this happens just inform them you’re in an active IVA – try and obtain contact information such and as an email address, then let our team know and we will contact the creditor for you. 

    Creditors are legally required to issue a Notice of Sum in Arrears (NOSIA) annually. This is just a statement to keep you informed about the account. You do no need to worry about these statements and can disregard them. They are not a demand for payment, and you don’t need to notify us.

    During your IVA, some creditors may sell their accounts to a debt purchaser such as Lowell Finance, Cabot Finance and Intrum (amongst others). If this happens just upload the Notice of Assignment (NOA) letter they send you to your client portal and we will take care of the rest.


    We have tried to make paying your IVA as easy as possible, the best method is for the payments to be made using your debit card (Recurring Card Payment RCP).  All details and securely encrypted into the system for your security and payments are processed on the day i’ts due, even weekends and bank holidays.  If the payment is declined for whatever reason, you won’t incur any charges from your bank like you would for a declined Standing Order or Direct Debt.

    If you do decide to make payment via standing order, please make sure you quote your IVA reference so that your payment can be allocated to your IVA account right away.

    Payments can be made, monthly, fortnightly weekly, last working day of the month, last Friday of the month – whatever makes things easier for you as a client is what we want.


    We understand that a people’s situations will change during the IVA – don’t worry! We’re here to help and ensure things are updated correctly, it’s really important that your IVA reflects your current circumstances. 

    If the change in circumstances will affect your ability to manage your payments to the IVA (or any other obligation), you should let us know right away. The sooner we know about a problem, the sooner we can assist you in resolving it. The important thing to remember is that we are here to help you.

    You can update your income and expenditure by logging into your client portal, and we will review your circumstances to see what help we can offer – which differ depending on whether your change in circumstances is short term or long term.

    We will also complete a financial review of your situation annually as per the conditions of your IVA to make sure your contributions remain affordable for you.


    It’s really important that you don’t ignore missed payments as your IVA is a legally binding solution and if you miss more than three payments then you are in breach of your obligations which would ultimately lead to the failure of your IVA. However, there are several options available to address arrears and we will work with you to find the right solution.

    If your circumstances have changed and you are not able to afford your payments in the long term, we will need to complete an income and expenditure which you can do via your client portal. If it’s just a short-term issue, we can authorise payment breaks.

    If you already have arrears and want to prevent your IVA from falling into breach and failing, we can put a payment plan in place with you – this can be to add a small amount on top of your monthly contributions so you catch up your payments, or they can be added to the end of the IVA. It’s important you speak to us so we can agree the best way forward.

    Get in touch

    Contact Us

    Buchanan Business Park, Suite 12. Cumbernauld Road, Stepps, Glasgow, Scotland, G33 6HZ

    Fresh Start Insolvency Limited is a company registered in Scotland. Registered number SC606381.
    Data Protection Registration Number ZB481786 – Fresh Start Insolvency Limited.