Welcome to Debtspute Ltd

debtspute was born out of an established Forensic Accountancy practice that built an unrivalled reputation for excellence in solving complicated, costly and protracted financial disputes.

With an in-house legal team supported by forensic expertise in financial disputes ranging from tax investigation to financial disputes with the top 4 banks in the UK, we are uniquely placed to solve financial disputes (pronounced ‘debtsputes’).

Welcome to Debtspute Ltd.

debtspute was born out of an established Forensic Accountancy practice that built an unrivalled reputation for excellence in solving complicated, costly and protracted financial disputes.

With an in-house legal team supported by forensic expertise in financial disputes ranging from tax investigation to financial disputes with the top 4 banks in the UK, we are uniquely placed to solve financial disputes (pronounced ‘debtsputes’).

What do we do


Put simply, we act in any case where there is a dispute over a debt. We act if you owe the money or if you are owed the money and have a particular specialism in relation to debts that are related to an insolvency of a company.

We carefully assess the enquiries we receive and we only act in cases where we know we can assist. Initial investigation is done without cost or obligation to proceed. Where we agree we can act, we provide you with a comprehensive written Case Plan and you would need to sign to approve the same before any costs were incurred.

what we do-3

What do we do

Put simply, we act in any case where there is a dispute over a debt. We act if you owe the money or if you are owed the money and have a particular specialism in relation to debts that are related to an insolvency of a company.

We carefully assess the enquiries we receive and we only act in cases where we know we can assist. Initial investigation is done without cost or obligation to proceed. Where we agree we can act, we provide you with a comprehensive written Case Plan and you would need to sign to approve the same before any costs were incurred.

what we do-3

Our client had received a Formal Demand under a Personal Guarantee for an Invoice Finance facility for their company that had recently gone into liquidation. The amount outstanding to the Finance Company was covered 300% by debts owing to the Liquidated company which had all been assigned to the invoice finance company.

 As is all too common in corporate insolvency, the debtors of his previous company had taken the Liquidation as an ‘excuse’ to avoid payment putting forward robust but baseless disputes to avoid payment. The invoice finance company, as is fairly standard, preferred to stay out of the disputes and simply accepted the debt as disputed and instead sought payment from the Director.

Using our expertise, we were able to mediate between Director & Finance Company and settle, for less than 50% of the face value, the Personal Guarantee liability. At no extra cost, we also negotiated the transfer of the outstanding invoices so they could be collected for the benefit of the Director. We then entered into extensive correspondence with the debtors of the company to deal with their disputes including a face to face ‘mediation’ meeting with the largest debtor, a multinational company owing five figures. 90% of all of the debt was paid at the end of a 3-month exercise. After all of the costs and our fees were paid, the Director made a modest profit and turned a liability into an asset.

Case Study 1

Recycling to pay debts

Case Study 1

Recycling to pay debts

Our client had received a Formal Demand under a Personal Guarantee for an Invoice Finance facility for their company that had recently gone into liquidation. The amount outstanding to the Finance Company was covered 300% by debts owing to the Liquidated company which had all been assigned to the invoice finance company.

 As is all too common in corporate insolvency, the debtors of his previous company had taken the Liquidation as an ‘excuse’ to avoid payment putting forward robust but baseless disputes to avoid payment. The invoice finance company, as is fairly standard, preferred to stay out of the disputes and simply accepted the debt as disputed and instead sought payment from the Director.

Using our expertise, we were able to mediate between Director & Finance Company and settle, for less than 50% of the face value, the Personal Guarantee liability. At no extra cost, we also negotiated the transfer of the outstanding invoices so they could be collected for the benefit of the Director. We then entered into extensive correspondence with the debtors of the company to deal with their disputes including a face to face ‘mediation’ meeting with the largest debtor, a multinational company owing five figures. 90% of all of the debt was paid at the end of a 3-month exercise. After all of the costs and our fees were paid, the Director made a modest profit and turned a liability into an asset.

Case Study 2

Debtspute gets Top 4 Bank to write-off Personal Guarantee demand

Our client approached us as they had received a demand to personally repay the overdraft of their recently liquidated business. The client was adamant that they had not provided any form of guarantee yet the Bank were able to produce the document they said made our client liable.

Using our forensic approach, we were able to obtain and then investigate 1000’s of pages of documentation from the Bank and distil the dispute down into 5 documents amounting to 20 pages.

Our in-house legal expertise then sought Counsel’s Opinion which was, despite the Bank’s assurance otherwise, that no valid guarantee existed. The client was not charged for the Counsel’s Opinion. We then entered into correspondence with the Bank and got them to accept that the client had no case to answer.

Our fees were less than 20% of the demand that they had received.

Case Study 2

Debtspute gets Top 4 Bank to write-off Personal Guarantee demand

Our client approached us as they had received a demand to personally repay the overdraft of their recently liquidated business. The client was adamant that they had not provided any form of guarantee yet the Bank were able to produce the document they said made our client liable.

Using our forensic approach, we were able to obtain and then investigate 1000’s of pages of documentation from the Bank and distil the dispute down into 5 documents amounting to 20 pages.

Our in-house legal expertise then sought Counsel’s Opinion which was, despite the Bank’s assurance otherwise, that no valid guarantee existed. The client was not charged for the Counsel’s Opinion. We then entered into correspondence with the Bank and got them to accept that the client had no case to answer.

Our fees were less than 20% of the demand that they had received.

Our client’s company was facing insolvency because they simply could not collect the debt that was due to them in time to meet their own obligations. The client needed three different but complimentary services.

We sat between HMRC and the company to stop HMRC taking action to wind-up the company whilst we performed our other roles.

We worked extensively with the debt owed to the company and ensured that 80% of that debt was collected within 6 months of the original enquiry.

We investigated the tax affairs of the company and were able to file additional returns to legitimately reduce their tax liabilities that had been the catalyst to the original enquiry.

The debts collected paid the [reduced] tax debt, our fees and left a five-figure sum for working capital going forward which helped the business to continue rather than close its’ doors.

Case Study 3

Debt collected

Case Study 3

Debt collected

Our client’s company was facing insolvency because they simply could not collect the debt that was due to them in time to meet their own obligations. The client needed three different but complimentary services.

We sat between HMRC and the company to stop HMRC taking action to wind-up the company whilst we performed our other roles.

We worked extensively with the debt owed to the company and ensured that 80% of that debt was collected within 6 months of the original enquiry.

We investigated the tax affairs of the company and were able to file additional returns to legitimately reduce their tax liabilities that had been the catalyst to the original enquiry.

The debts collected paid the [reduced] tax debt, our fees and left a five-figure sum for working capital going forward which helped the business to continue rather than close its’ doors.

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