Adcroft Hilton Ltd

Adcroft Hilton Ltd Adcroft Hilton are Business Recovery and Licensed Insolvency Practitioners. Free advice for individuals and companies.

Adcroft Hilton has been established for more than 20 years. The firm is a member of the Insolvency Practitioners Association and is driven by a management team with over 60 years’ experience supporting individuals and businesses through financial difficulties. A small, strong team of experienced practitioners ensure that advice is delivered with professionalism, sensitivity and understanding. Acce

ss to a selection of trusted external agencies allows the team to provide practical and effective solutions to a wide range of financial problems. Adcroft Hilton works extensively with individuals and businesses across England and Wales and has offices in Blackpool and Carlisle. Wherever you are based, we can ensure an advisor is available to discuss your needs with you.

270,000 new CCJs were registered in Q1 of this year, up 17.5% on last year. If one of those landed on your doormat, do n...
11/06/2026

270,000 new CCJs were registered in Q1 of this year, up 17.5% on last year. If one of those landed on your doormat, do not put it to one side.

A CCJ stays on your credit file for 6 years and can affect your ability to borrow, rent, or access credit. But there are options, and they depend on how quickly you act.

Repay within a month and it can be removed entirely. After that, you can still apply to vary the terms, access breathing space, or challenge it if it was issued in error.

If you are not sure what to do next, we can help you work out the right approach.

A BBC expert has warned more than 270,000 people in England, Wales and Northern Ireland

Thames Water is in the High Court this week seeking approval for its £3bn restructuring plan. Over 75% of creditors are ...
10/06/2026

Thames Water is in the High Court this week seeking approval for its £3bn restructuring plan. Over 75% of creditors are on board, though a group of lower-ranked creditors is pushing back, arguing the terms favour those higher up the creditor chain.

In any insolvency or restructuring, your position in the creditor hierarchy has a direct impact on what you recover and when.

If you have questions about where you stand as a creditor, or what your options look like if a customer or counterparty is in financial difficulty, we are here to help.

Thames Water has urged the High Court to accept its £3bn restructuring plan in a bid to avoid renationalisation.

Good news for small businesses under financial pressure. The government has announced £4 million in additional funding t...
09/06/2026

Good news for small businesses under financial pressure. The government has announced £4 million in additional funding to expand business debt advice services, supporting 16,000 more small businesses and sole traders over the next 3 years.

Business Debtline has already helped over 50,000 people, with 90% seeing their debts reduce or stabilise. If you are struggling, free expert support is available.

If your situation has moved beyond debt advice into more complex territory, we are here for that conversation.

The UK government has announced £4 million of additional funding over three years to expand business debt advice services through the Money and Pensions Service, supporting a further 16,000 small businesses, sole traders and self-employed individuals as demand for tailored financial distress suppor...

Construction insolvencies made up 17% of all corporate failures in 2025, and the sector is still contracting going into ...
08/06/2026

Construction insolvencies made up 17% of all corporate failures in 2025, and the sector is still contracting going into 2026.

If you are a subcontractor or supplier working with main contractors, now is exactly the right time to understand your protections, not after something goes wrong.

We have put together a practical guide covering what warning signs to watch for, how to protect your materials, your payments, and your business, and what to do if a customer goes under.

If you supply goods or labour into construction projects, you have probably already noticed that the ground feels less solid than it did even a few months ago. The UK Construction PMI dropped to 39.7 in April, which is firmly in contraction territory and the steepest fall in some time, whilst constr...

Which? has tested seven everyday essentials and found that the cheaper option outperformed the expensive branded version...
06/06/2026

Which? has tested seven everyday essentials and found that the cheaper option outperformed the expensive branded version in every single case, with total savings of around £600 if you make all seven swaps.

For most people that is an interesting read. For anyone who is currently struggling financially and trying to get a grip on where their money is going, it is a genuinely useful one. When you are working with very little, cutting unnecessary spending on brand names rather than actual quality is one of the few areas where you can reclaim some breathing room without sacrificing anything meaningful.

If you are in that position and need help understanding your options, we are always here for a confidential conversation.

Our expert tests can help you break free from brand loyalty – and opting for these picks over pricier rivals adds up to more than £600 in savings

The average UK wedding now costs just over £20,600 according to the latest figures, and more than half of couples end up...
05/06/2026

The average UK wedding now costs just over £20,600 according to the latest figures, and more than half of couples end up spending more than they planned. Wedding season has a way of doing that.

Which? has put together eleven tips from their own experts on keeping costs manageable, covering everything from venue choices and catering alternatives to second-hand outfits and DIY invitations. Some of it is common sense but a few of the ideas are genuinely clever.

Starting married life in significant debt is a serious commitment on top of everything else, so it is worth going in with your eyes open about what the day actually costs and where the savings are.

Would you consider paying thid?

From DIY invites to BYOB receptions, here’s how Which? experts kept wedding costs under control

If you or someone you know is struggling with energy debt or mounting household bills, it is worth knowing that grants a...
04/06/2026

If you or someone you know is struggling with energy debt or mounting household bills, it is worth knowing that grants and support schemes do exist and some of them can clear arrears completely.

Ofgem has just issued an official alert pointing people towards hardship funds, debt relief grants and emergency support from major energy suppliers including British Gas, EDF, E.ON Next, Octopus, OVO and Scottish Power. Citizens Advice notes that in some cases you can access support even if you are not a direct customer of the supplier offering it.
The advice from debt charities, and from us, is always the same: seek help early rather than letting arrears build to a point where the options narrow significantly.

The warning comes as many households continue to battle high living costs and rising arrears

Over 52,000 graduates responded to a Treasury Select Committee inquiry into student loans, and the findings paint a fair...
03/06/2026

Over 52,000 graduates responded to a Treasury Select Committee inquiry into student loans, and the findings paint a fairly clear picture of how many people feel they did not fully understand what they were signing up for.

More than 28,000 said they did not understand the terms before taking the loan out, and over 25,000 said they would not take it out again if given the choice. The core problem for many is that repayments do not keep pace with the interest being added, meaning balances continue to grow despite money going out every month.

A new report shows that tens of thousands of graduates didn't fully understand the terms of their loans when they took them out — 30-year-old Josh Hinh is one of them

The Cazoo story has another chapter. The High Court has extended the administration of the failed used car dealer until ...
02/06/2026

The Cazoo story has another chapter. The High Court has extended the administration of the failed used car dealer until May 2028, two years beyond when it was originally supposed to conclude.

Nearly £76 million is still owed to unsecured creditors, and there is no guarantee they will see any of it. The administrators, meanwhile, have already been paid close to £5 million for their work.

It is a case study in how complex and drawn out insolvency processes can be, particularly at scale, and a stark illustration of where unsecured creditors typically end up in these situations.

The remains of failed used car dealer Cazoo could remain in administration for another two years after the firm was granted an extension by the High

If you run a business and you've got HMRC debt sitting in a pile you're hoping will sort itself out, this one's for us t...
01/06/2026

If you run a business and you've got HMRC debt sitting in a pile you're hoping will sort itself out, this one's for us to be honest with you.

The post-pandemic leniency is over. Time to Pay is still available but the bar is higher, winding up petitions are happening faster than most directors expect, and HMRC now has more tools than ever to move liability from a company onto directors personally.

We've written a straightforward breakdown of what's changed in 2026 and what your actual options look like depending on your situation. Just a clear picture of where things stand and what to do about it. If you want to talk through your position confidentially, we're always here for that conversation.

For a few years after the pandemic, HMRC was, by its own historical standards, almost gentle. Time to Pay arrangements were granted relatively freely, enforcement action was measured, and businesses with genuine cashflow problems generally found a willing ear. That period is now firmly over, and any...

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