Bell & Company Reviews 68

TrustScore 4.5 out of 5

4.6

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Rated 5 out of 5 stars

I used Bell and Company as I need some financial advice and assistance. Although the process takes some time, the results are worth it. My case manager was Micaela Cruz, and she was brilliant in no... See more

Rated 5 out of 5 stars

From the minute I contacted Bell & Co they have been on our side. Absolutely amazing company, if you have any business debt that is overwhelming you then talk to this company. They are fantastic at... See more

Rated 5 out of 5 stars

We were in a very difficult and stressful situation after our business was forced into liquidation leaving us with several personal guarantees against business loans. We were at risk of losing our ho... See more

Company replied

Rated 5 out of 5 stars

I needed someone in my corner during a difficult voluntary liquidation of a company for which I was a director. Bell & Co came in, negotiated on my behalf and took all the stress and strain away from... See more

Company replied

Company details

  1. Debt Relief Service

Written by the company

At Bell & Company, we’re here to help you manage your debt issues, so if you’ve overstretched your capacity and now find yourself facing potential insolvency, call us now for impartial advice on how to resolve your debt problems.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

68 reviews

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Replied to 100% of negative reviews

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Rated 5 out of 5 stars

From the minute I contacted Bell & Co…

From the minute I contacted Bell & Co they have been on our side. Absolutely amazing company, if you have any business debt that is overwhelming you then talk to this company. They are fantastic at what they do, they listen, do what they say they will do & check in on you. We were so lucky to have Rory on our side, such a great man. Supported us all the way through & got such an amazing result for us.
Thank you Rory, from the bottom of our hearts. You have made it possible for us to sleep well again & saved us so much money & helped us to keep our home.
Nigel & Mandy Kaines

November 19, 2025
Unprompted review
Rated 5 out of 5 stars

Financial assistance

I used Bell and Company as I need some financial advice and assistance. Although the process takes some time, the results are worth it. My case manager was Micaela Cruz, and she was brilliant in not only securing a great result but also in providing information and advice along the way. Thank you Micaela for sorting everything out!

April 10, 2026
Unprompted review
Rated 5 out of 5 stars

Excellent service and support

I contacted Bell and Co after frustration at bad service from another company. From the get go Bell and Company reassured me and within a week I was in contact with Micaela Cruz who handled my case from the beginning to the end when I was discharged from bankruptcy. Throughout the whole process Micaela was always there for me, guiding and explaining the process as well as offering me vital support on all matters of bankruptcy and was invaluable about helping me through professional registration and getting my life back on track. In a very personal process Micaela was my voice of reason. Always avaikable and quick to respond. I especially liked that after every communication from her I had to confirm receipt of the mail. This meant there were no “missing” emails or breaks in communication as had happened previously with other companies Although I only dealt with Micaela I think the way Bell and Co have set up their company promotes good communication, trust and professionalism no matter who you deal with and I would recommend them wholeheartedly to anyone in the same position. Thanks Micaela and Bell and Co

April 1, 2026
Unprompted review
Rated 5 out of 5 stars

Just what I needed

The company offered me exactly what I needed at the time I needed it most.
My financial difficulties were getting worse and, on top of that, personal issues were increasing. Bell & Company worked through my financial position in a very methodical way and once the had the required info took the lead in negotiating with the different companies. I was kept up to date with discussions and consulted when financial arrangements were to be discussed. With Bell managing my financial difficulties, and removing a huge amount of stress, I was able to focus on personal issues. In this case a problem shared resulted in it being far more than halved, it gave me breathing room and time to focus on my wider family.
Once all had been agreed and signed off I was less impacted financially than I feared and able to draw a line under the matter and move on.
Bell & Company guided me through a very dark time, thank you.

December 31, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Martyn,

Thank you for taking the time to share your positive experience with Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Understanding our situation

We were in a very difficult and stressful situation after our business was forced into liquidation leaving us with several personal guarantees against business loans. We were at risk of losing our house after 40 years. We approached Bell & Co to negotiate on our behalf. Micaela Cruz was very supportive and helpful and far more experienced in negotiating with unsympathetic lenders than we could have been. we are very grateful to her and the team for finally being free of pressures. Thank you!

March 25, 2026
Unprompted review
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Reply from Bell & Company

Dear Linda,

Thank you for taking the time to share your positive experience with Micaela at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

A genuine life changing experience

I lived for too long under the crippling shadow of an enormous personal debt following the winding up of my business post-covid. Bell & Company reached out and I took what would be the best decision I could have, to place the whole thing in their hands to deal with. Bell & Company negotiated a full and final settlement on my behalf that was within my reach, and as a result I am now for the first time in my adult life, completely debt free. I could not recommend their professionalism and compassion highly enough.

March 6, 2026
Unprompted review
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Reply from Bell & Company

Dear TS,

Thank you for taking the time to share your positive experience with Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Helped navigate a difficult liquidation

I needed someone in my corner during a difficult voluntary liquidation of a company for which I was a director. Bell & Co came in, negotiated on my behalf and took all the stress and strain away from me. A good outcome was achieved given the situation. I would recommend their no nonsense approach. Thanks Liam and Ionagh for all your help.

January 20, 2026
Unprompted review
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Reply from Bell & Company

Dear Tom,

Thank you for taking the time to share your positive experience with Liam and Ionagh at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Personal Guarantees Are Negotiable

I came to Bell and Company with an unaffordable personal liability after my business hit difficulties. I gave them a budget for a full and final settlement which although still a substantial sum was a fraction of my overall debt. They negotiated with the lender and managed to negotiate to within £70 of my overall budget. I can’t thank Joe and Phil from Bell and Company enough.

December 3, 2025
Unprompted review
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Reply from Bell & Company

Dear DM,

Thank you for taking the time to share your positive experience with Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 1 out of 5 stars

Nice people but took £3500 from me…

Nice people but took £3500 from me would not give it back and on;y interested in helping people WITH money to pay people so if you do not have money they are not suitable.

I wasn't made aware of this and as soon as they realised I had no other funds to pay the next instalment I never heard from them again so before discussing with them be aware of the costs just to speak with them

October 8, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Hi Lee,

For accuracy, we need to correct a number of statements in your review.

At no point are clients charged “just to speak with us.” Before any appointment, we carry out extensive work entirely at our own cost, including due diligence, internal case assessment, legal and financial searches, and the development of an initial strategy. This work is presented during a consultation provided completely free of charge, allowing clients to decide whether to proceed with full visibility of costs and options.

In your case, this included a significant amount of time from our Associate Director, who conducted multiple calls and discussions prior to appointment.

Following this, a formal service agreement was agreed and signed, clearly setting out the scope of work, fees, and payment structure. As a one-off concession, and at your request, we agreed to split the fee into two instalments rather than requiring payment in full upfront, which is our standard position.

Work commenced only after the first instalment was received. The second instalment was not paid. We made multiple attempts to contact you to discuss next steps and provide an opportunity to explain the situation. Without payment of agreed fees, we were unable to continue work. This is standard practice across service-led firms and does not constitute a failure to engage or “disappearing.”

The suggestion that we are “only interested in helping people with money” is incorrect. We regularly provide substantial unpaid work at the outset and make reasonable accommodations where possible. However, professional services cannot be provided on an unpaid basis, and continuing to act where contractual terms are not honoured would be neither commercially viable nor professionally responsible.

We acted fully in accordance with the signed agreement and our professional obligations throughout.

Bell & Company

Rated 5 out of 5 stars

A Major Win During a Difficult Journey

Working with Rory McGimpsey and the team at Bell & Company has been a genuinely positive experience. They’ve been supporting us as we work through the legacy debt from closing our old agency, and their guidance has been steady, clear, and reliable throughout.

We’re still navigating several outstanding debts, but Rory and his team have already secured a major win with one of our creditors, a result that has taken real pressure off us and given us the space to keep moving forward. Their approach is strategic and confident, and they communicate in a way that makes difficult situations feel manageable.

This latest outcome gives us real confidence in the rest of the process. They’re experts at what they do, they stay in your corner, and they don’t lose momentum.

If you’re dealing with complex debt issues, I’d strongly recommend speaking to Bell & Company. Their support has made a big difference for us.

December 5, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Dave,

Thank you for taking the time to share your positive experience with Rory & the rest of our specialist team at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

A brilliant experience!

My experience with Bell & Co and in particular Micaela Cruz was simply brilliant, smooth, worry free and patient.
From the outset everything was explained to me clearly and this communication continued throughout the journey. Micaela always remained calm, patient, informative and confident which was perfect as this sorts of traits kept me calm and reassured during a slightly stressful period as you could maybe imagine when dealing with outstanding debt and huge corporations who try and tie you up in knots, but bringing Bell & Co on board to help me navigate my situation was one of the best decisions I have made. Debt settled, and settled very well, monkey off my shoulder, back to living life a little lighter and happier.

Thank you guys!

Tom

December 4, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Thomas,

Thank you for taking the time to share your positive experience with Micaela at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Exceptional & Professional Company.

I reached out to Bell & Co as i was being chased by Barclays Bank over a personal guarantee that I had signed for a Ltd company I was part of 20 years ago. Despite several assurances that I was no longer liable for the PG I was still being chased for the liabilty. This was passed onto a debt recovery company which is why I contacted Bell & Co. My case was handled by Micaela Cruz. After our initial consultation and passing over all correspondance Micaela gave me her honest opinion on how Bell & Co could help me and the best & worst case scenarios. I felt that she was honest with me from the offset, Micaela kept me informed throughout in a profesional & compasionate manner, Any queries I had were replied to promptly explaining what the next steps were. Initially I had hoped that the liability demanded could be reduced BUT to my utter amazement and joy the liability & PG was completely cancelled and the amount demanded was reduced to zero !!
Thank you Micaela, You are a credit to the company.
I have no hesitation in recommending Bell & Co. I cannot speak highly enough for the service I received.

September 12, 2025
Unprompted review
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Reply from Bell & Company

Dear Merfyn,

Thank you for taking the time to share your positive experience with Micaela at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Very sticky situation

We were in a bad situation with our company and once we talked to Luke at Bell & Co he put us at ease. He assured us that they could negotiate with the banks to come to an agreement on a reduced settlement fee.
We could not sell our properties due to cladding issues and interest rates had increased but we could not increase our rental prices so we were leaking money.
Our biggest concern was the possibility that we could loose our own properties.
We ended up selling both properties at a massive loss but Luke negotiated a fantastic payment plan which we could afford.
If it wasn’t for Bell @ Co a very stressful situation could have easily spiralled out of control, but with their help and reassurance they managed to negotiate an affordable package which has been paid off in full.
So thank you Luke and Bell @ Co for your professionalism and expertise, would highly recommend them.

August 1, 2025
Unprompted review
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Reply from Bell & Company

Dear Mike,

Thank you for taking the time to share your positive experience with Luke at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Initially is was not but... Bell & Co did an amazing job !

Initially is was not sure about using this company as I had never heard of such a solution. The team took the time to explain how they can help and so I signed up. Immediately Luke Logan jumped into action and resolved a number of urgent issues. Luke was amazing with his help, support and advice and I would definitely recommended Bell & Company and also Luke .

November 3, 2025
Unprompted review
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Reply from Bell & Company

Dear Ian,

Thank you for taking the time to share your positive experience with Luke at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 4 out of 5 stars

I had a issue with one of my rental…

I had a issue with one of my rental properties and it was not sustainable to continue so I handed back to the bank. I spoke to Bell& Co and they agreed to take on my case. Luke was extremely helpful in liaising with the bank to get a great outcome for me. Would highly recommend them.

January 27, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Simon,

Thank you for taking the time to share your positive experience with Luke at Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

From the very beginning

From the very beginning, Micaela Cruz reassured me that my difficulties with HMRC and multiple debt issues were all manageable and solutions could be found, I was in despair at the situation I found myself in (real despair).
She worked tirelessly on my behalf and one by one all my dreadful problems were resolved through her expert knowledge and negotiating skills . A true 5 star rating for this fine Lady and outstanding Company.
Sincere thanks!
Regards Steve.

June 30, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Steve,

Thank you for taking the time to share your positive experience with Micaela. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Excellent & Professional Help

The response and empathy received from this company was excellent. Given a difficult and scary situation they offered sound advice and suggested a route to move forward. What appeared hopeless has turned into an opportunity for resolution. We heartily recommend them to anyone with debt related problems, whether retained going forward or for immediate help and advice. Also, nice people!

May 21, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Jeremy,

Thank you for taking the time to share your positive experience with Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

Excellent service during a very difficult journey

I seldom write reviews, but I felt the service and help I got from Bell and Company was outstanding. My wife and I had difficulties with a major banking institution and could not find a way of getting a release. We were ‘hamstrung’ in that we couldn’t service the debt or negotiate a way to restructure it. It was a constant worry and financial burden for over 15 years. We had medical worries and children at college and full time education. When we got in contact with Bell and company they helped us, reassured us and found us a way out. Luke Logan handled our case and could not have been better. He understood all the different aspects of our problem. He was empathetic and kind. He showed a keen grasp of our issues and problems immediately. A solution was reached and we were extremely happy with the terms. I cannot praise this company and Luke high enough.

April 3, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear Dara,

Thank you for taking the time to share your positive experience with Luke. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Bell & Company

Rated 5 out of 5 stars

I found myself in a very difficult…

I found myself in a very difficult financial situation compounded by serious health issues. Having closed my company due to serious ill health I found out some months later that I owed a six figure DLA. I don’t mind admitting going into a panic over the email and telephone call from company insolvency Practioners. I did a bit of research and reached out to Bell and Co. and from my first phone call to my last, a huge weight was lifted from my shoulders and I no longer didn’t felt alone in facing this extremely stressful situation. I would particularly like to thank Michael and Rory for standing side by side with and finding a fabulous resolution. When Rory told me what he had negotiated I was overcome with relief and joy at what had looked like a dire financial situation prior . Rory and the team negotiated a 93% reduction in DLA and for the first time I can say I was delighted to pay a professional fee. Bell and Co more than deserved their fee. A big thank you again and I would highly recommend Bell and Co to anyone facing similar stark financial situation I found myself in.

February 10, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear David,

Thank you for taking the time to share your positive experience with Michael, Rory & Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Domilia T
Bell & Company

Rated 5 out of 5 stars

I don’t normally write reviews but felt…

I don’t normally write reviews but felt compelled to after receiving such a positive experience and outcome.

Rory was professional, empathetic and most importantly tenacious in his negotiations with my creditors.

I urge anyone who requires an advocate, when faced with challenging financial circumstances, to contact Rory.

February 11, 2025
Unprompted review
Bell & Company logo

Reply from Bell & Company

Dear DP,

Thank you for taking the time to share your positive experience with Rory and Bell & Company. We understand that dealing with financial difficulties can be incredibly challenging, and we're glad to hear that our team were able to provide you with the help you needed to reach a favourable outcome.

Thank you for your kind words and for choosing Bell & Company.

Kind Regards,
Domilia T
Bell & Company

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