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We take a unique approach to challenging and complex insolvency matters. We represent both debtors and creditors, businesses and individuals.

Business and personal insolvency solutions

Insolvency & Law (I&L) is an award-winning consultancy firm providing bespoke insolvency solutions for UK businesses and individuals. We empower creditors and debtors such as company directors and other individuals who feel detached and disenfranchised from insolvency and debt-related procedures due to a lack of specialist advice. Why we work for creditors and debtors

Over 10 years of experience serving debtors and creditors has afforded us invaluable knowledge of UK insolvency law, debt, and the relevant regulatory framework, which we utilise for the benefit of our clients. Whether you’re a company director trying to protect yourself from adverse proceedings, a supplier looking to get paid from overdue invoices, or an individual struggling to avoid financial ruin; our unique comprehension of debt and insolvency ensures that we’re always able to provide sympathy, impartial guidance, and cost-effective solutions. Debt and insolvency services tailored to your requirements

Whatever your predicament or circumstance, I&L can assist before and during insolvency and debt-related procedures such as Winding Up Petitions; Debt Purchase / Assignment; Compulsory Liquidation; Creditors’ Voluntary Liquidation (CVL); Company Voluntary Arrangements (CVAs); Administration; Bankruptcy; Individual Voluntary Arrangements (IVAs) and Creditors’ Meetings. We also help directors prepare for Liquidation, alternative procedures of company demise, and Compulsory Interviews with the Official Receiver. Moreover, we can supervise all of the other complex issues that will require attention to avoid potentially adverse claims against you. Insolvency is very serious and you will need expert advice, support and guidance. We help directors to wind up companies, and assist creditors seeking greater control in liquidations. Call 020 7504 1300 now for free and confidential advice…

Contact us now on 0207 504 1300 for Free advice, or visit: www.insolvencyandlaw.co.uk

Our professional services include-
Personal and Corporate Insolvency;

• Personal and Corporate Insolvency;
• Statutory Demands
• Individual Voluntary Arrangements (IVAs),
• Bankruptcy
• Winding up Petitions
• Liquidations
• Company Voluntary Arrangements (CVAs),
• Administrations
• Attending creditors meetings
• Taking action against directors of insolvent companies

30/10/2026

📖 What Can We Learn from The £500 Million Loan Note Scam?

When a loan note investment fails, many investors ask the same questions.

* What happened?
* Could the warning signs have been recognised earlier?
* What protection was actually in place?
* What options are available now?

These are some of the themes explored in The £500 Million Loan Note Scam: Who Profits When Investors Lose?

The book examines three failed UK loan note schemes and explores how investors can better understand the structure of these investments, the risks involved and the importance of asking the right questions.

Whether you’re an investor trying to understand what happened or simply want to learn more about loan note investments, it provides valuable insight into a complex area that many people know very little about.

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Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has encountered difficulties and you’d like to better understand your position or potential recovery options, we’d be pleased to help.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

26/10/2026

📈 Higher Returns Often Mean Higher Risk. But Do You Understand Why?

When reviewing any investment opportunity, it’s natural to focus on the potential returns.

However, one of the most important questions is often:

“What risks am I taking in return for those returns?”

Understanding risk isn’t about avoiding investment. It’s about making informed decisions and understanding how an investment is structured.

Here are five questions worth asking.

✅ 1. How is the return being generated?

Understanding where the returns come from can help provide context around the investment model.

✅ 2. What security arrangements exist?

If security is mentioned, understand what has actually been provided and how it was intended to operate.

✅ 3. What information is available?

Read the available documentation carefully and understand what it says, rather than relying on summaries or assumptions.

✅ 4. Do I understand the risks involved?

Every investment carries risk. Taking time to understand those risks is an important part of making informed financial decisions.

✅ 5. If something went wrong, would I know where to turn?

Knowing where to seek specialist guidance if an investment encounters difficulties can be just as important as understanding the investment itself.

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Speak with a Recovery Specialist

We do not provide investment advice.

However, if your loan note investment has encountered difficulties and you’d like to better understand your position or potential recovery options, our team is here to help.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

23/10/2026

❓ 5 Questions Every Loan Note Investor Should Be Asking

If your loan note investment has stopped making payments, it’s easy to focus on what might happen next.

But before jumping to conclusions, it’s worth asking a few important questions.

Understanding the answers may help you build a clearer picture of your position.

❓ 1. What has the company actually said?

Separate official updates from rumours or speculation. Read company announcements and correspondence carefully.

❓ 2. What documents do I already have?

Gather your investment agreement, payment records, company updates and any correspondence relating to your investment.

❓ 3. Do I understand the security arrangements?

Every loan note is different. Understanding how security was intended to operate can be an important part of understanding your position.

❓ 4. Have I recorded what’s happened so far?

Creating a simple timeline of payments, delays, announcements and correspondence can help organise the facts.

❓ 5. Do I fully understand my position?

Sometimes the biggest uncertainty isn’t what has happened, it’s understanding what it actually means for you.

⸻

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has encountered difficulties and you’d like to better understand your position, we’d be pleased to help.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

19/10/2026

📂 5 Documents Every Loan Note Investor Should Keep

If your loan note investment has encountered difficulties, one of the most valuable things you can do is preserve your paperwork.

Having the right documents available can help you better understand your investment and any potential recovery matters.

Here are five documents worth keeping in a safe place.

✅ 1. Your Loan Note Certificate or Investment Agreement

This helps confirm the nature of your investment and the terms that applied when you invested.

✅ 2. Payment Records

Keep copies of interest payments received, bank statements and any repayment history.

✅ 3. Company Updates

Save emails, newsletters, investor announcements and letters sent by the company or any appointed office holders.

✅ 4. Promotional Material

Brochures, presentations, websites and investment literature may provide useful background information.

✅ 5. Notes of Conversations

If you’ve spoken with representatives, advisers or anyone connected with your investment, make a note of when the conversation took place and what was discussed.

⸻

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has stopped making payments or you’re looking to better understand your position, we’d be pleased to help.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

16/10/2026

🚩 5 Warning Signs That Should Prompt You to Take a Closer Look

Not every loan note investment that experiences one of these issues will fail.

However, if several warning signs begin to appear together, it may be worth taking the time to better understand your position and preserve your records.

🚩 1. Interest payments are delayed or stop altogether

A missed payment doesn’t automatically tell the whole story, but it’s often the first sign investors notice.

🚩 2. Company updates become less frequent

If regular communication slows down or important questions remain unanswered, it’s sensible to keep a record of developments.

🚩 3. Information becomes more difficult to obtain

Annual accounts, financial information or company announcements may become harder to access or interpret.

🚩 4. The company’s explanation keeps changing

If the reasons given for delays or difficulties change repeatedly over time, it can be helpful to keep a timeline of communications.

🚩 5. You’re relying on rumours rather than facts

Social media groups and online forums can be useful for sharing experiences, but they shouldn’t replace reviewing official documents and understanding the facts of your own matter.

⸻

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has helped investors understand complex recovery matters.

If your loan note investment has stopped making payments or you’re concerned about developments, speaking with a specialist may help you better understand your position and the information available.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

12/10/2026

⏳ Why Timing Can Matter in Investment Recovery

When a loan note investment encounters difficulties, many investors understandably hope that the situation will resolve itself.

Every matter is different, but waiting too long before understanding your position can sometimes mean important information becomes more difficult to obtain.

Here are five reasons why acting early can be valuable.

✅ 1. Information may still be readily available

Company announcements, financial information and other documentation may be easier to obtain whilst events are still unfolding.

✅ 2. Your records are likely to be complete

The earlier you begin reviewing your investment, the easier it is to gather agreements, payment schedules and correspondence.

✅ 3. You have more time to understand your position

Understanding what has happened doesn’t mean taking immediate action. It simply allows you to make informed decisions.

✅ 4. You can ask the right questions

Understanding the structure of the investment, security arrangements and the information available can help you build a clearer picture.

✅ 5. Early guidance can provide greater clarity

Speaking with an experienced recovery specialist early can help you understand your position, the available information and the potential options relevant to your circumstances.

⸻

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has stopped making payments or you’re concerned about the company behind your investment, we’d be pleased to help you understand your position.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

10/10/2026

One questionnaire records one investor’s experience.

When numerous investors independently describe relying on similar reassurances, however, broader patterns may begin to emerge.

Investor Reliance Questionnaire responses have referred to professional involvement, governance arrangements, legal structures and language suggesting that investments were secured or carefully managed.

These patterns do not determine liability or prove that any particular representation was made. They may nevertheless provide valuable insight into what gave investors confidence and influenced their decisions.

Watch:
https://www.youtube.com/watch?v=Q_xK3drbqDE

Read the related Insolvency & Law article:
https://insolvencyandlaw.co.uk/professional-partners-and-risk-mitigation-language/

If you hold 79th Group loan notes and have not completed a questionnaire, email [email protected].

Disclaimer: Insolvency & Law Ltd is not a firm of solicitors or licensed insolvency practitioners and does not conduct regulated legal or financial activities. This post is for general information and public-interest reporting only and does not constitute legal, financial or investment advice. Independent advice should be obtained where appropriate.

09/10/2026

🔍 Myth or Fact?

“My investment had a Security Trustee, so my money was automatically protected.”

❌ Myth

Many investors assume that the appointment of a Security Trustee guarantees that their investment is fully protected.

In reality, every loan note arrangement is different.

The existence of a Security Trustee doesn’t automatically answer important questions such as:

* What security was actually granted?
* Was it properly created and documented?
* What assets, if any, were secured?
* What powers did the Security Trustee have?
* What actions have been taken since problems arose?

Understanding the answers to these questions can be an important part of assessing your position.

⸻

5 Things Worth Understanding

✅ 1. Every security arrangement is different

The wording of the legal documents can vary significantly between loan note schemes.

✅ 2. Don’t assume security equals recovery

Security may exist, but understanding its scope, value and enforceability requires careful consideration.

✅ 3. Read the documentation carefully

Loan Note Instruments, Trust Deeds and Security Documents often explain how the arrangements were intended to operate.

✅ 4. Keep all correspondence

Letters, updates and notices may help build a clearer picture of what has happened over time.

✅ 5. Seek specialist guidance

If you’re unsure what protection was intended to exist or what your documents mean, understanding your position early can help you make informed decisions.

⸻

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has encountered difficulties and you’d like to better understand your position, we’d be pleased to speak with you.

📞 020 7504 1300

📧 [email protected]

🌐 insolvencyandlaw.co.uk

https://-

05/10/2026

💷 Has Your Loan Note Investment Stopped Making Payments?

When interest payments stop, it’s natural to feel uncertain about what to do next.

Whilst every matter is different, taking sensible early steps can help you better understand your position.

Here are five things worth doing.

✅ 1. Keep every document

Retain your loan note certificate, investment agreement, promotional material, emails, payment schedules and any correspondence you’ve received. These documents may become important in understanding your position.

✅ 2. Don’t ignore updates

Continue monitoring communications from the company, administrators (if appointed), trustees or any professional advisers involved.

✅ 3. Keep a record of events

Create a timeline of what has happened, including when payments stopped, any announcements made and any correspondence you’ve received.

✅ 4. Be cautious about assumptions

Whether it’s security arrangements, recovery prospects or updates shared online, every matter is different. It’s important to understand the facts before drawing conclusions.

✅ 5. Seek specialist guidance early

The earlier you begin understanding your position, particularly whilst a company is still trading, the more information may be available to review and the better informed you’ll be about your potential options.

**********************************************

Speak with a Recovery Specialist

For almost 18 years, Insolvency & Law has specialised in helping investors understand complex recovery matters.

If your loan note investment has stopped making payments and you’d like to understand your position, we’re here to help.

📞 Call us on 020 7504 1300

📧 Email: [email protected]

🌐 Visit: insolvencyandlaw.co.uk

https://-

05/10/2026

A professional may have been associated with an investment—but what did their involvement actually mean?

Understanding this requires more than recognising a familiar name. Investors may need to consider who appointed the professional, who they were acting for, what work they performed and whether their responsibilities extended directly to investors.

Professional involvement can provide reassurance, but it does not guarantee that an investment is safe or remove the need to understand the underlying risks.

Our video examines why the scope and limits of each professional role matter. The accompanying Insolvency & Law article considers the questions investors should ask before relying on professional involvement.

Watch:
https://www.youtube.com/watch?v=AIlgeuQu8zQ

Read:
https://insolvencyandlaw.co.uk/why-professional-names-matter-in-investment-decisions/

79th Group questionnaire enquiries:
[email protected]

Disclaimer: Insolvency & Law Ltd is not a firm of solicitors or licensed insolvency practitioners and does not conduct regulated legal or financial activities. This post is for general information and public-interest reporting only and does not constitute legal, financial or investment advice. Independent advice should be obtained where appropriate.

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Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.insolvencyandlaw.co.uk/

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