Take back control of your finances today with Vanguard.

Lower repayments

Lower monthly repayments.


From legal action from creditors.

Frozen interest

Frozen interest and charges.

Stop creditor calls

No more calls from your creditors.


Help is just a few steps away.

We're here to help you, so we've simplified our process to make it easy for you to get all the help and information you need to take back control of your finances.


Contact us

You can call us on 0800 019 8383 or fill in your to request a call back from one of our friendly advisors who will talk through your options and your finances to work out how much you can afford to pay back each month.


Inform your creditors

Your creditors will receive a copy of the approved IVA which will detail how much you are able to pay. The creditors will vote on whether to accept the proposal, it will be approved if at least 75% vote in favour of the IVA.


Agree your IVA proposal

A member of our IVA team will work with you, supervised by an Insolvency Practitioner. A proposal will be drafted on your behalf for you to check and agree to and then once you’re happy, we’ll contact your creditors.


Your IVA is approved

Once the IVA is approved you will receive a copy of the report confirming this, including details of any modifications which you may have agreed to. We will then arrange with you to start your new repayments.


We keep in touch with you throughout

You are not alone one your IVA is approved. We will keep in touch with you over the next five years to check everything is going well and you can contact us at any time during your agreement.


Please make sure you keep us up to date if your financial circumstances change, especially if your repayments could be affected. If you are prevented from complying with your IVA by circumstances outside of your control, we may be able to reach an acceptable agreement with your creditors.


You may need to seek a remortgage

Homeowners may be required to seek a re-mortgage in the 5th year of the IVA to release equity available for the benefit of creditors.


This will be subject to strict criteria that ensures releasing equity does not result in an adverse affect on your circumstances beyond the completion of the IVA.


The first 15% of any available equity is automatically excluded and you will only be requested to seek a remortgage if you have £5,000 over and above this.


Find out the right choice for you.

Call us today to speak with one of our advisors who can help you understand your options and find out the right choice for you. We're here to help on 0800 019 8383 .

Opening times

Monday - Thursday: 8:00am - 6:00pm Friday: 8:00am - 5:30pm

Saturday: 9:00am - 2:00pm

Sunday: Closed

Vanguard Insolvency Practitioners Limited, Registered address National House, 80-82 Wellington Road North, Stockport, Cheshire SK4 1HW

Company Registered in England and Wales Number 09610770 - Data Protection ZA 131723

Peter Jackson is authorised to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Data protection registration number ZA103596

The Money Advice Service is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here. The Insolvency Service, an independent government agency, has produced a guidance leaflet on dealing with your creditors. If you would like a copy, click here.

The Association of Business Recovery Professionals, known as R3, produce a booklet called “Is a Voluntary Arrangement Right for Me?”.  If you would like a copy, click here.

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