How the referral process works

To make the process clear and seamless, here’s exactly what happens when you refer a client to us.

Once engaged, we work alongside you as part of your advisory process to ensure clarity, control and commercially sound decision-making.

We regularly support contractor accountants where clients are exiting contracts or winding down companies, including MVL-driven exits.

Our role in the process is to:

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Assess the insolvency position and key risks.

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Explain all available options, including restructuring, CVLs and MVLs.

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Support implementation of formal processes where required.

Referring a client to an Insolvency Practitioner

“At Umbrella.UK Insolvency, we work closely with an informal network of accountants, IFAs, solicitors and finance brokers to find the best solution for their clients.”

Tom Fox | Head of Insolvency Services

Read referral case studies
Get in touch


We keep the process straightforward and transparent

Introduction

You introduce the client via email or phone. We’ll acknowledge immediately and take initial details.

Initial review (within 24 hours)

We assess the position and identify key considerations and:

  • Identify urgency
  • Consider potential options
  • Arrange a consultation

You are kept informed from the outset.

Initial free consultation

We meet with you and your client (jointly where possible – in person if local or by video call if not local) to:

  • Understand the full financial position
  • Explain all available options clearly
  • Set expectations (including directors’ duties and risks)

Options may include:

  • Business rescue or restructuring
  • Company Voluntary Arrangement (CVA)
  • Administration
  • Creditors’ Voluntary Liquidation (CVL)
Strategy options and next steps

We outline available routes and agree a way forward. Following the consultation:

  • A clear strategy is agreed with the client
  • We discuss next steps with you
  • We proceed only once the client is fully informed

We take a collaborative approach – no decisions are made in isolation.

Strategy and ongoing support – communication

We keep you informed at agreed stages throughout. If a formal process is required:

  • We handle the appointment and process management
  • You assist with financial information (as needed)
  • We provide regular updates at agreed intervals

Referring a client to an Insolvency Practitioner

The timeline

Helpful resources for referrers

See our client meeting preparation checklist
See our document checklist for referrers
See our client meeting preparation checklist

What our clients tell us

Excellent service from Sarah and the team. Efficient and made everything easy and so professional. Thank you so much - would highly recommend umbrella.UK Insolvency

Charlotte B

5 Stars
Clear and efficiently managed service. Nice job thanks Tom & Sarah at Umbrella.UK Insolvency.

Doug Q

5 Stars
Tom Fox has been very professional, informative and helpful during what has been a difficult time. He’s been at the end of the phone when needed and has provided clarity and kept structure at all times in something I didn't really understand at the start of my process. I would absolutely recommend Umbrella.UK Insolvency!

Julia T

5 Stars
Umbrella.UK Insolvency helped liquidate our limited company in a very straightforward way. The team were very helpful.

Martin F

5 Stars
I would highly recommend using this service. Tom &Sarah were professional and made my MVL painless. The advice they gave me was explained in such way a novice like myself could understand. Many thanks to the team.

Martin J

5 Stars
Tom was incredibly helpful as I prepared to liquidate a couple of companies - clear advice, a respectful approach to both myself as director and the creditors, and a reasonable fee structure vs many of the national IP's I spoke to whilst researching who to work with.

Mike S

5 Stars
When I recently needed to liquidate a company, I was so lucky to have found Thomas Fox and Sarah McClean to achieve this for me. They explained the whole process to me in a way that I could understand and guided me through what I had to sign and when this needed to be done in a friendly manner. I would not hesitate to recommend them.

Tanya C

5 Stars
Both Tom Fox and Sarah McClean made they very best to make the liquidation process as smooth as possible. I liked that they laid out the plan for next 2 years upfront and explained it in plain English. Very helpful at all stages from beginning to final closure. Best Insolvency Practitioners ever!

Lukasz

5 Stars
Great service provided by Tom and Sarah. They acted quickly to support my liquidation and provided expert guidance throughout. I really felt like they continually went the extra mile and they were very patient in explaining stuff with me too. Highly recommend…a highly personalised service! Thank you

Craig S

5 Stars
I recently needed to liquidate a company and after doing some research I came across Umbrella. Within minutes of talking to them on the phone I knew I had chosen the right company. They handled everything for me, I simply had to sign the various forms they sent me. I dealt with Sarah McClean there who was absolutely brilliant. Nothing was too much trouble for her, she was super efficient, kept me informed at every step in the process and came across as a lovely person when I spoke to her on the phone. I would have no hesitation recommending Umbrella for your liquation needs.

I Francis

5 Stars
Tom Fox was incredibly helpful as I prepared to liquidate a couple of companies - clear advice, a respectful approach to both myself as director and the creditors, and a reasonable fee structure vs many of the national IP's I spoke to whilst researching who to work with.

Mike S

5 Stars
I engaged Umbrella accountants to oversee a Members Voluntary Liquidation for the small consultancy business I've been running. The team talked me through the MVL process, steps and requirements. The paperwork involved was well explained and straightforward, with the initial disbursement of funds handled very quickly and professionally under tight deadlines.

Brendan N

5 Stars
I extend my appreciation of your professional efficiency in handling my company business and herewith say thank you.

Maxine R

5 Stars
Umbrella.UK Insolvency guided me as sole Director of my small limited company, and the shareholders, through every step of a Members Voluntary Liquidation in a very efficient manner. The steps required were clearly laid out and proactively managed by their licensed practitioner. From first meeting through to an interim distribution of funds to shareholders took only a few days in our case. Thereafter, Umbrella will be managing all of the downstream actions required to complete the process with HMRC and Companies House, through to the final discharge of the company.

Alex O

5 Stars
I'd just like to thank Tom for your help with the closure of my company. You have been highly efficient and very professional throughout. Thank you.

Tony D

5 Stars
First of all, I would like to say a BIG Thank You for all of your assistance over the past year. I would not be in the positive state of recovery without Umbrella Insolvency. Your care and assistance at the application stage last summer, along with the advice throughout the year, has been great. I would not hesitate to tell anyone in my negative situation where to turn to.

Mr TM

5 Stars
Before I came to Umbrella.UK Insolvency I was in a bad place mentally due to debt because I believed I would be in my current situation for a long time to come. Umbrella.UK Insolvency walked me through my options and helped me pick the best one. I am genuinely amazed at what they managed to do for me and can now afford to live comfortably, and without the constant worry of debt looming over me.

MT

5 Stars
I engaged Tom to arrange an IVA for me after I ran into financial difficulties as a result of the closure of my company. He introduced me to Sarah and both of them as a team worked tirelessly through Lockdown to get the best outcome for me and my family. Both Sarah and Tom were patient, thorough and incredibly compassionate for our situation. They attained the best outcome for us and I couldn't speak more highly of them. Thank you to you both, Amazing work.

DH

5 Stars
Thank you very much for your assistance in a successful proposal. We are ever so grateful as this is a chance to transform our lives; or rather you have given us a second chance to have our lives in order. Thank you for your patience and perseverance throughout that you showed.

NP

5 Stars

Get free business closure, rescue or debt advice today*

Our friendly and experienced insolvency team is here to help you find the right way forward. Whether your business is facing financial pressure, creditor or HMRC issues, or you’re considering closing your company, we’ll provide clear, confidential guidance and practical support every step of the way.

Call 01625 546 240 now or request a callback from a Licensed Insolvency Practitioner below.*




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    Main Office: 01625 546 240
    E-mail: contact@umbrella.UK
    Fax: 01625 522 572

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    Bollin House
    Bollin Link

    Wilmslow
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    SK9 1DP

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