Also known as: Creditfix; UK Debt Expert (debt advice arm)
Creditfix Limited is a UK insolvency practice and debt solutions company. It specialises in Individual Voluntary Arrangements (IVAs) and other formal insolvency solutions for people who are struggling with significant levels of unsecured debt.
An IVA is a legally binding agreement between you and your creditors, supervised by a licensed insolvency practitioner. You make a fixed monthly payment for a set period (usually five or six years) and any remaining debt included in the IVA is written off at the end. An IVA affects your credit file and has other implications for your financial life.
Creditfix is a commercial company that charges fees for its IVA services. These fees are taken from your monthly contributions and can be significant over the life of the arrangement. It is important to understand the total cost of an IVA before agreeing to one.
IVAs are not suitable for everyone. They require a minimum level of debt and a regular income. For people with smaller debts or lower incomes, a Debt Relief Order or a Debt Management Plan might be more appropriate. Free debt advice charities such as StepChange can assess your full situation and advise on all options including IVAs, without charging you anything.
If you are considering using Creditfix, compare their terms with those of free IVA services available through charities. The same outcome — a formal IVA with your creditors — can be arranged without paying commercial fees in some cases.
Creditfix is authorised to act as an insolvency practitioner and is regulated by the relevant professional bodies. Free debt advice is available from StepChange on 0800 138 1111 and PayPlan at payplan.com.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Creditfix Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Individual Voluntary Arrangements (IVA); Debt management plans; Scottish Trust Deeds; Sequestration; Bankruptcy; Free debt advice (via UK Debt Expert)
Trading names and group notes
SC560074 is the Creditfix Investments Limited holding company in Scotland. The operating entity Creditfix Limited is registered in Northern Ireland (NI061971). UK Debt Expert is the FCA-authorised advice brand.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.9
Approx. 31,000-43,000 reviews
Other review sources
Very high Trustpilot volume. Praised for fast IVA setup and helpful staff. Complaints about delays in closure certificates and IVA completion process.
Overall public sentiment
Mostly positive with very high Trustpilot volume and rating of 4.9. Some complaints about IVA completion delays and communication issues regarding annual reviews.
Review sources
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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