Welcome to Umbrella

Here to protect you on the rainy days and help you build a brighter future.

We offer a clear, non-judgemental and confidential service to individuals and businesses struggling with debt.

Free initial consultation to understand your situation and to discuss options available to you.

Debt solutions can help reduce payments and in some cases your overall debt.

Personal Debt Management Solutions

Umbrella.uk can quickly help you achieve peace of mind with a simple individual debt management solution. Let us stop the intimidating calls, write off some of your debt and arrange a single affordable monthly payment. Simply call us or fill in the form above to arrange a confidential appointment with a friendly experienced debt advisor.

Business debt

Is your business experiencing financial difficulty? Don't get caught in the rain, let Umbrella protect you and provide a clear, non-judgemental and confidential service.

What our customers are saying...

I would like to thank Sarah and her team for all the hard work they have put into helping me sort my finances out once and for all. Without this IVA I would still be struggling every month trying to make ends meet. I received nothing but an efficient polite service every time I spoke to a member of your team and I’m so very grateful. Thank you so much.

Natasha R (January 2017)

Thank you so much for your help with my IVA. As an ex-company Director my life took a downward spiral when creditors from my liquidated company called upon my personal guarantees. I had been treading water for months, ran up credit card debts and borrowed from family. When a creditor instigated bankruptcy proceedings against me I thought I was going to lose my house. I contacted Umbrella who stopped all the phone calls and threatening letters. Umbrella explained things in a way I could understand. They negotiated with creditors and my IVA went through, now I can sleep at night again and I kept my home. Thomas Fox was extremely knowledgeable and I truly thank him and his team.

Paul G (December 2016)

I would like to say a very big “Thank You” to your lady on the telephone this morning who helped me start getting my life sorted and debts managed. So thank you “Sarah” great help… thank you again.

L. Smart (October 2016)

Meet the Umbrella
Insolvency team

Nicholas Holmes


Andrew Kilmartin


Miles Grady BA Econ (Hons) ACA


0800 611 8888

Before establishing Umbrella Accountants, Miles worked for some of the largest multi-national financial institutions and help set up one of the country’s biggest debt solution businesses.

A Chartered Accountant by trade, he is a member of the Institute of Chartered Accountants in England and Wales (ICAEW) and has more than 25 years of accountancy experience.

In that time he has worked for companies including KPMG, TSB, Mazars and CIS. He also co-founded One Advice which provides debt resolution, personal insolvency and other financial services to customers UK-wide.

In 2009, Miles helped establish Umbrella Accountants. After a rapid period of growth the company delivers a huge range of accountancy services including IVA’s, cloud accountancy for businesses and accountancy support for contractors and freelancers. A commitment to offering high quality advice and excellent customer service has helped Umbrella Accountants win more than 1,200 accountancy customers.

Thomas Fox LLB MIPA

Licensed Insolvency Practitioner

0800 611 8888

To ensure the highest professional standards, insolvency related work must be carried out by a licensed insolvency practitioner. Overseeing Umbrella IVA, Thomas has more than 10 years of experience in personal and corporate insolvency practice. He is a member of the prestigious Insolvency Practitioners Association.

Before joining Umbrella to head up the insolvency department, Thomas spent more than five years at Leonard Curtis, a top ten national insolvency firm, working at close quarters with a wide range of stakeholders including banks, asset based lenders and accountants.

Thomas is widely praised for his analytical mind and sound judgement as well as his honesty and openness in what can be difficult circumstances. He always wants to achieve the best for his clients.

Sarah Longsdale CertDR

Insolvency Manager

0800 611 8888

Sarah is a hugely experienced debt counsellor with more than 15 years’ experience offering debt advice. Specialising in IVA advice, she holds an Advanced Certificate in Debt Resolution (CertDR) Level 3.

In 2014 she was awarded Advisor of the Year by the Debt Resolution Forum. She was a runner-up Debt Counsellor of the Year in the 2013 Credit Today Awards.

A people person, Sarah makes sure that all clients receive the best advice and are treated ethically. She is always available to customers who want to discuss their options or talk through their situation.