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Informal arrangements

Cash flow problems can affect both individuals and businesses from time to time. That’s when taking some good financial management advice can help you get back on track as soon as possible.

Where HW Fisher can help is to review your financial situation and negotiate with your creditors to review and reduce your monthly payments to a more affordable level. This is termed an ‘Informal Arrangement’. This type of debt-management solution has the advantage of being flexible, so that if your circumstances improve, then the terms of the arrangement are easy to amend.

PAYE and VAT problems
We are experienced in dealing with creditors like HM Revenue & Customs on matters such as outstanding VAT, PAYE and National Insurance payments and self-assessment liabilities. Our approach is to negotiate affordable payment arrangements within realistic timeframes, giving individuals and businesses valuable breathing space, and the opportunity to get their finances on a sounder footing.

Can you help me with debt management?
Debt management plans are part of our range of services designed to help people who are struggling to pay their debts.

They operate outside formal insolvency procedures and are a formalised arrangement, but not a legally-binding agreement, between an individual who is facing financial difficulties and their unsecured creditors. As such, their content can vary, but their aim and purpose is to allow people to pay off their debts in full by extending the repayment period. There is no limit on the amount of debt that can be included, or the length of time the arrangement can last.

Key Contact

Key Contact

Brian Johnson


T +44 (0)20 7380 4989

E Brian Johnson