What We Do For You
Independent, Non-Advisory Guidance to Help You Make Informed Decisions
At Portland & Grey, we provide individuals with clear, factual information about personal debt and estate planning options available in England and Wales. Our role is to support people in understanding general processes and administrative requirements. We do not offer legal advice, debt advice, or financial advice, and we are not regulated by the Financial Conduct Authority (FCA).
Our information is based on publicly available sources and the Standard Financial Statement (Money & Pensions Service) framework, ensuring clarity and consistency across budgeting formats.
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Understanding Debt – A Neutral Overview
Debt can affect anyone, and often arises from:
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Changes in employment or income
Illness or bereavement
Relationship breakdown
Credit over-commitment or unexpected expenses
Portland & Grey helps individuals explore general options available to them. Where formal debt advice is required, we strongly recommend contacting Citizens Advice, a regulated and impartial provider.
What We Can Support You With
We offer factual, administrative support around the following options:
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Breathing Space (Debt Respite Scheme)
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Debt Management Plans (via third parties)
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Debt Relief Orders (DROs)
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Individual Voluntary Arrangements (IVAs)
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Bankruptcy
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Administration Orders
We explain how these processes work in general terms. We do not assess suitability, make recommendations, or handle client funds.
Our Principles:
No Advice – we do not provide financial or legal advice.
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Full Transparency - our role is administrative only.
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Independent Choices – you stay in control of all decisions.
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Clear Signposting – we refer individuals to Citizens Advice for regulated support where appropriate.
If you need formal debt advice or help assessing your situation, please contact Citizens Advice directly:
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Legal & Regulatory Notice:
Portland & Grey is not authorised by the Financial Conduct Authority (FCA) and does not provide regulated financial services. Our role is to assist with documentation, understanding public guidance, and administrative support only. We encourage all individuals to seek regulated advice from Citizens Advice or other FCA authorised organisations if unsure about their financial position.
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