Creditfix: who they are and what to do if your IVA is with them
Have an IVA with Creditfix, or a letter from them? Here is who they are, what to do if you are struggling, and where to go if something goes wrong.
Applies to: England, Wales & Northern Ireland (trust deeds in Scotland)
What to do now
- If you have an IVA with them and are struggling, contact them before you miss a payment.
- Check the alternatives to an IVA before agreeing to one.
- Free, impartial advice is available from charities such as StepChange and National Debtline.
At a glance
| What it does | IVA, Protected Trust Deed |
|---|---|
| Company | Creditfix Limited (incorporated in Ireland, no. 432293; registered at Companies House as overseas company FC042217) |
| Based in | Glasgow (UK establishment); company registered in Lucan, Co. Dublin, Ireland |
| Group | Its website says it is part of the UK Debt Expert group. It names UK Debt Expert Limited as the advice provider for England, Wales and Northern Ireland, and Carrington Dean Group Limited for Scotland. |
| Insolvency practitioners | Its website says its named insolvency practitioners are authorised to act as insolvency practitioners in the UK by the Insolvency Practitioners Association (IPA). |
| Website | www.creditfix.co.uk |
Who Creditfix are
Creditfix is a volume provider of IVAs and Scottish trust deeds, run from offices in Glasgow. Its website says it is part of the UK Debt Expert group. Insolvency Service statistics list it among the six largest IVA providers in England and Wales in 2025, with 3,741 new IVAs (5.2%), and as the third largest in 2024.
If you already have an IVA with Creditfix
- Struggling with a payment? Tell your supervisor straight away. Most IVAs allow a payment break or a reduced payment if your circumstances change. IVA payment breaks.
- Missed payments? Missing payments can lead to your IVA failing. Act before it gets to that. Missed an IVA payment.
- Annual review coming up? You will be asked about your income and spending each year. What happens at an annual review.
- Money coming in? A windfall, inheritance or pay rise may have to go into the IVA. IVA windfalls.
- Thinking of ending it? There are routes out, including switching to another solution. Switching from an IVA.
How to complain about Creditfix
Its complaints procedure has two stages. A manager aims to resolve the complaint within 3 working days. If that fails, it goes to the Compliance Team, which aims to give a final response within 8 weeks. Complaints can be made online, by phone or by post to Complaints, Creditfix Limited, 4 West Regent Street, Glasgow G2 1RW. If you are unhappy with the final response, Creditfix directs you to the Insolvency Service Complaints Gateway.
If you are unhappy with how an insolvency practitioner has acted, you can complain to the Insolvency Service Complaints Gateway, which passes complaints to the practitioner’s licensing body.
If you are thinking about an IVA
An IVA is a legally binding agreement to pay part of what you owe over usually five or six years. It suits some people and not others, and the provider is paid from your payments. Before you agree to one with any firm, read how IVA companies make money and compare the alternatives to an IVA. Free advice is always available.
Independent page. My Debt Cleared is not connected with Creditfix. We do not review or rate firms. Details were checked against the firm’s own website and official records on 21 October 2026.
You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.
Common questions
Is Creditfix a debt charity?
No. Creditfix is a commercial firm. Free debt advice is available from charities such as StepChange and National Debtline.
What should I do if I can't pay my Creditfix IVA?
Contact Creditfix straight away and ask about a payment break or a reduced payment. Missing payments without telling them can lead to the IVA failing.
How do I complain about Creditfix?
Use Creditfix's own complaints procedure first. If you are unhappy with how an insolvency practitioner acted, you can complain to the Insolvency Service Complaints Gateway.