Debt Movement will not charge you for the provision of debt advice. Our expert guides will discuss the debt solution options available to you based on your circumstances and will help you decide on the solution that best suits your needs. Debt Movement will charge fees for proposing and administering IVAs, outlined below.
If we are unable to assist with an IVA, we will refer your details to an authorised third party and depending on your chosen solution and subject to acceptance by your creditors, fees may be charged by the service provider. Upon successful referral of your case Debt Movement may receive a referral fee from the service provider.

How much are IVA fees?

Debt Movement will only charge fees if your IVA is approved by creditors and everything will be clearly outlined in your proposal, but don’t worry, these fees will be taken from your normal monthly contributions, so you won’t have to pay anything extra.

In an IVA there are three types of fees typically charged:

1. Nominee Fee
This fee is for all the preparatory work undertaken to assist you in putting forward an IVA proposal to creditors and includes an assessment of your financial situation, preparing the IVA proposal on your behalf, liaising with creditors regarding the decision process including any negotiations if necessary.

2. Supervisor Fee
This fee is for the ongoing supervision and administration of your IVA once it has been approved and includes collecting and distributing your monthly payments, dealing with any queries that arise during the IVA, liaising with your creditors, preparing annual progress and closure reports in line with legislation and any other administration as required.

3. Disbursements
These are costs incurred directly in connection with the administration of your IVA that are paid by your Insolvency Practitioner to third party companies and generally include postage, software licences, insurances, and registrations that are required as part of the IVA.

Debt Movement operate under a fixed fee policy where all proposals are put forward to creditors requesting total fees and costs of £3 650. All fees must be approved by your creditors and in some circumstances, creditors may vote to change the basis of our fees.

Provision of Services

The following information is provided in accordance with the Provisions of Service Regulations 2009.

Debt Movement UK Limited is registered in England and Wales Registration Number 11947848.

The Registered Office is 3rd Floor, Marsland House, Marsland Road, Sale, Cheshire, M33 3AQ.

Licensing Body

Our Insolvency Practitioner is licensed to act in the UK by the Insolvency Practitioners Association and is bound by the rules of their professional body, including any that relate specifically to insolvency. These rules can be found here.


In addition, our Insolvency Practitioner is bound by the Statements of Insolvency Practice (SIPs), details of which can be found here and the Insolvency Code of Ethics which can be found here.


Debt Movement UK Limited Complaints Policy can be found here.


Where an IVA is being administered by Debt Movement and it has been identified that a payment has been received in error or an overpayment has been made, this will be reviewed by Debt Movement and refunded where appropriate. Refunds, once authorised, will be processed within 5 working days.

If you believe you are entitled to a refund, please email providing your reference number and the reason you believe you are entitled to a refund.