Glideflo Pro pricing
Recover the tax your customers are owed.Then review the plan.
Glideflo Pro runs a fully managed HMRC tax recovery programme across the debt management plans you administer: qualification, outreach in your name, identity checks, document processing, signature and submission through our HMRC registered tax partner. The tax partner, not the firm, charges the customer a published claim fee, a published share of that fee is paid to the firm, and every recovery triggers the plan review your rules already require, so a customer who was struggling has money they did not know existed and a plan that reflects it. Your advisers do nothing operationally, and you see every penny of what it costs, because we price it the only way we price anything: our delivery cost, passed through at published rates, plus a published mark-up.
For your diligence
Glideflo is a product of FSG Global Ltd, registered in England and Wales, company 14060302. We pay the Real Living Wage of £13.45 an hour. Carrier rates for SMS and email are published by suppliers and can be verified independently, and the build-up of every figure on this site is set out openly on the Rate card page. Nothing here is bespoke to any reader: the rates and the margin schedule are the same for every client.
Where the money goes
HMRC pays the refund. Out of it comes one published claim fee, charged by our HMRC registered tax partner under a nomination the customer signs once and can withdraw. The firm charges the customer nothing. A published share of the tax partner's fee is paid to the firm, as an introducer commission on each won claim, as a flat services fee for the outreach run in your name, or as a credit against the customer's own plan fees, whichever your compliance team prefers. Everything else is paid to the customer, because in a debt management plan it is their money, and the plan review that follows is where it does its work: paid into the plan to shorten it, put to creditors as a settlement offer, or kept, as the customer and their adviser decide. Nobody on your team files a form.
The programme itself is priced exactly like every Glideflo service: every email, text, connected minute, identity check and signature at the rate we actually pay, published on the rate card, with our mark-up printed next to it. There are no credits, seats or bundles, because a credit is not a thing a compliance committee can price check.
Run your own book through the model and see. Every figure is illustrative and every assumption is on the page.
What the service does
Find and engage
The platform qualifies every customer against each claim type, then runs the outreach itself in your name, email, text and UK based telephone agents, on a cadence of fifteen dated rounds that only ever contacts the customers who have not yet signed up. Quiet hours, one-click STOP and vulnerable customer routing apply to every message.
File and submit
Identity checks before anything moves, AI document processing, electronic signature and submission through our HMRC registered tax partner, who carries compliance sign off on every claim that goes in.
Prove and pay
Every action is timestamped into a six year audit vault, every won claim is reported per case with the split shown, so the customer's recovery and the firm's share of the fee are evidenced for your Consumer Duty file and for the FCA, in a dashboard you can open any hour of any day.
How a won claim splits
HMRC pays the refund. The claim fee comes out of it, and the balance is paid to the customer. There is no trust and no arrangement to claim it into: in a debt management plan the money is the customer's, and what happens next is the plan review.
The claim fee is the tax partner's. They contract with the customer, carry compliance sign off on every claim that goes in, which is what makes the whole thing filable, and keep 25% plus VAT of the fee, an effective rate of 30%. The remaining 70% is paid to the firm. The firm deducts nothing and charges the customer nothing.
Every fee figure anywhere on this page is already net of the tax partner's share. Move the fee rate slider on the Service page and this splits with it. The payment to the firm is disclosed to the customer before they sign, as CONC 8.7.4R requires, and on the dashboard and in every export.
Written for the firm's obligations
Under CONC 8.8.1R a firm administering a debt management plan must maintain contact with the customer, regularly monitor and review their financial position, and adapt the plan when their circumstances materially change. A tax refund the customer did not know they could claim is exactly that change, and a customer cannot tell you about money they do not know exists. The Consumer Duty asks you to avoid foreseeable harm and to support customers in pursuing their financial objectives, and FG21/1 expects staff and processes built around vulnerability. This programme is that review, run across the whole book, in your name, inside controls you can evidence.
There is no rule that says a debt management firm must pursue tax refunds for its customers, and we do not pretend there is. What there is, is a stack of obligations that make the recovery easy to justify and hard to argue against. The Providers page sets out each source, what it says, and how the firm's share of the fee is disclosed and assessed for fair value.
Who we are
The team behind the platform
We are the team that recovered close to a billion pounds for claimants at We Fight Any Claim, and we run a lean Australian claims operation on this same platform from the UK today. Glideflo is a product of FSG Global Limited.
We are a technology company serving regulated firms. The book is the firm's client relationship, never our opportunity, and the customer remains on their plan with you throughout. We do not buy claims and we do not compete for claimants.
Why the price is public
Your compliance committee will run these numbers through their own tools before the second meeting. We would rather they did. Every rate on this page is published, versioned and defensible, because in this market the vendor whose numbers check out is the one a committee can sign off.
The same rate card prices our re-engagement service, and spend on either counts toward your position on the mark-up ladder.
Ready to benchmark the book?
Bring the size of your live book and your view of its contact data. We will run it through the model with you, show you the first-500 plan, and send the three documents.
Design your programme
Every round
| Round | Day | Week | Touch | Rate | Sign-ups | Still to reach | Emails | Texts | Invoiced |
|---|
The response curve falls because the pool empties, not because contacts go cold. Every round only contacts the customers who have not yet signed up, so the still to reach column shrinks as your book converts and your outreach spend falls away with it. The rate column shows the share of your whole book expected to sign up in each round. Count live plans in the book; leave out plans that have closed or lapsed, where the servicing relationship has ended.
Our communication strategy is calibrated on real world outreach campaigns run on this platform, timed to maximise customer touch points within PECR and the other relevant guidelines. Every message goes out in the firm's name, about the customer's plan. A customer signs a single authority once, and is told before they do what the fee is and that they could claim from HMRC themselves for free. Every claim type they qualify for then runs off that one signature. The invoiced column applies your effective mark-up to the delivery cost of each round. Where a group administers plans through more than one authorised firm, programmes run per firm, with consolidated reporting.
Every month
| Month | Sign-ups | Claims opened | Submitted | In queue | Invoiced | Fees landing | Fees to date | Net position |
|---|
Estimated claims, win rates and fee income are illustrative, not a guarantee. Outcomes depend on the quality, completeness and consent of the data you provide, and on HMRC processing. The invoiced column includes our margin, applied in line with the mark-up ladder on the Your price page. All figures exclude VAT.
What you get, and how you get it
Live dashboard
Watch the programme as it runs. Qualification, outreach, claims and fees appear in your dashboard in real time, with drill down to any single customer.
Full export
Download everything. Each case exports with its documents, signatures, submission record and audit certificate, one at a time or in bulk. Your data stays yours.
Straight into your system
Standard connectors and webhooks are included, so cases and settlements can flow directly into your CRM and accounts. Anything bespoke is passed through at cost, like everything else.
Compare the three cadences
| Cadence | Reach ceiling | Sign-ups | Claims won | Delivery cost | Margin | Your invoice | Per won claim |
|---|
How you pay
Monthly in advance
Each month is quoted before it starts and runs once it is funded. You are never exposed beyond what you have already approved, and neither are we. Priced at the published mark-up.
Quarterly in advance
Fund the coming quarter in one payment and we take two points off the mark-up in every tranche.
Phase up front
Pay the phase in full up front and we take five points off the mark-up in every tranche. The mark-up never falls below twenty five percent.
If a month is not funded the programme pauses, and a pause of more than thirty days closes the phase out. Any unspent balance is repayable at any time, less a £100 administration fee.
Your invoice
Your invoice
Where our margin sits
On this configuration, of the delivery cost only exists once a customer actually engages and a claim is opened. The identity check, signature, document processing and archive lines are charged per claim, so if engagement comes in below the model those costs are never incurred and the invoice falls with them.
Payment schedule
| Payment | Due | Covers | Amount | Running total |
|---|
How the price is built
We pass through cost
Every email, text message, connected minute, identity check, signature and megabyte of archive is charged at what it actually costs us to deliver. Those rates are published on the rate card, and you can verify most of them independently.
We add our margin
We add a published mark-up on top of that cost. It starts at 60% and falls to 30% as your spend with us grows, and spend on re-engagement moves you down it too. It is a schedule rather than a negotiation, and it is the same for every client.
That is the invoice
Your invoice carries two lines: what the service cost to deliver, and what we added. There is nothing else on it, no set-up fee, no platform fee, no licence and no credits.
Mark-up ladder
| Tranche | Invoiced spend from | Invoiced spend to | Mark-up | Cost priced here | Margin |
|---|
Where the money goes
Your return
Invoice against fees
The submission queue
On this configuration
Why there is a ceiling
We submit no more than five thousand claims to HMRC in any one month, across every claim type. That is an operational limit we hold ourselves to, because volume filed carelessly is how a book gets flagged rather than paid.
Claims are prepared as fast as your book converts. If preparation runs ahead of the ceiling the surplus waits in a queue and goes in the following month, oldest first, shared proportionately across claim types, so nothing is lost and everything arrives a little later.
One claim, worked end to end
The outreach share allocates the whole cost of contacting your book, including the customers who never respond, across the claims that open. Every other line is charged only when the claim itself exists. Values shown are the calibrated averages used throughout this model.
Settlement interest, the claim your book over-indexes on
Why plan books
People on a debt management plan have typically carried more finance than the general population, and a share of them settled a motor finance agreement in the last four tax years. Where tax was deducted from the interest element of that settlement, it is usually reclaimable, and the customer almost never knows.
Marriage Allowance and pension relief follow the same pattern in this population: single-income households and workplace pensions that have never been claimed against. The incidence is higher than average, not dramatically so, and the model's defaults are set conservatively.
What the customer sees
A message from their plan provider, in the firm's name, about their plan, inside quiet hours, with one-click STOP. No cash offer, no unfamiliar sender, no pressure. If a customer is flagged as vulnerable, they are routed to a slower, human-led cadence or excluded, as you instruct.
Illustrative, honestly
Every projection on this page is a model, not a promise. Engagement, win rates and claim values are calibrated from our operating experience and published sources, and the model is built so you can move every assumption yourself and watch the consequences. Nothing here guarantees an HMRC outcome, and your own results will depend on the quality and consent of your data. We publish the workings precisely so that your compliance team can pull them apart.
Why we publish this
Carrier rates for text and email are published openly, wages in South Wales are a matter of public record, and employer national insurance and pension contributions are set by government. You could rebuild most of this table yourself.
There is therefore no advantage in hiding any of it, and a real advantage in not pretending. We would far rather discuss whether our costs are right than argue about whether our price is fair. If you believe any line here is wrong, bring us a supplier quote and we will happily compare.
We pay the Real Living Wage of £13.45 an hour rather than the statutory minimum of £12.71. That adds slightly to the cost of every minute, and we believe it is the right way to run a contact centre.
Rate card
What we pay, passed through at cost
These rates reflect our current supplier costs, so final pricing may be adjusted if those underlying costs change. We will give you advance notice in the unlikely event this happens prior to the next stated review period. SMS rates are per message of up to 160 characters, and our templates are built to fit a single message. This is the same rate card that prices our re-engagement service.
How the agent minute is built
Delivery assumptions
What these assumptions mean
You are charged for connected minutes only. Dialling time, voicemail and wrap-up are absorbed in the utilisation figure, which is why the minute rate is set where it is. Each call round dials only the customers who have not yet signed up, at the connect rate your book quality implies, and nobody is dialled again once they have answered.
Outreach volumes fall round by round because every round contacts only the customers still to reach. Claim handling is separate and is charged per opened claim at the published usage for that claim type, so a Pension Relief claim carries more work than a settlement interest claim and is priced accordingly.
Identity checks, postage, document processing and archive are charged per opened claim, never per customer, so a customer who never signs up never generates those costs. Submission to HMRC is capped at five thousand claims a month across all claim types.
The small print that matters
Compliance carried properly
Every claim is submitted through our HMRC registered tax partner, who carries sign off. Outreach runs inside PECR and UK GDPR with quiet hours, permanent opt-outs and vulnerable customer routing built in, and the full service is documented for the FCA, with the Consumer Duty outcomes evidenced per case.
Contracted cleanly
The binding suite is three documents: this commercial schedule, a service agreement and a data processing agreement. We act as processor, you remain controller, and your book cannot be used for anything except your own programme.
Run to service levels
The platform is operated to a 99.5% uptime service level with defined response times, and every case, document and call recording is retained in the audit vault for six years. We file no more than five thousand claims to HMRC in any one month, across every claim type.
Built for customers the FCA asks you to treat with additional care
This page is for the people who have to sign the programme off. Your customers are, by definition, people your regulator expects you to protect, and most of them meet the FCA's definition of vulnerable. Every contact in this programme is issued on your behalf, in your name, about their plan, inside controls you can show a supervisor.
Your rules already require the review
| Source | What it says | What that means here |
|---|---|---|
| CONC 8.8.1R Debt management plans |
A firm must maintain contact with the customer, regularly monitor and review their financial position and circumstances, and adapt the plan when those circumstances change materially. | A refund the customer did not know about is a material change. Surfacing it, and reviewing the plan when it lands, is the rule working as written. |
| CONC 8.3.2R Advice requirements |
Advice must have regard to the best interests of the customer and be appropriate to their individual circumstances, based on a sufficiently full assessment of their financial position. | A customer with money they are owed and do not know about is being advised on the wrong position. The programme closes that gap across the whole book, with the outcome evidenced per case. |
| CONC 8.7.4R Charging |
Any commission or incentive payment the firm will receive must be disclosed to the customer in good time before they enter into a contract. | The firm's share of the fee is a commission whatever the invoice calls it, and it is treated as one: disclosed to the customer before they sign the authority, alongside the fact that they can claim from HMRC themselves for free. |
| Consumer Duty PRIN 2A, from 31 July 2023 |
Firms must act to deliver good outcomes for retail customers, including fair value, customer understanding and customer support, and must avoid causing foreseeable harm. | The claim fee needs a fair value assessment in your file. We give you the delivery cost, the tax partner's share and the split per claim, so that assessment is arithmetic rather than argument. |
| CONC 8.2.7R and FG21/1 Vulnerable customers |
Firms must establish and implement procedures to identify vulnerable customers and deal with them appropriately. | Every contact in this programme runs inside routing and controls you can evidence: flags you hold pass through to us, and flagged customers are routed to a slower, human-led cadence or excluded, as you instruct. |
| HMRC Standard for Agents, mandatory adviser registration from 1 April 2026 |
Income tax refunds cannot be assigned, only nominated, and the customer can withdraw a nomination. Repayment agents must be registered with HMRC, and from April 2026 every tax adviser dealing with HMRC must be. | Every claim goes in through our registered tax partner under a nomination the customer signs once and can withdraw. Nothing is assigned, and nothing is filed by anyone HMRC has not registered. |
We are not lawyers and this is not legal advice. Your compliance team will want to check how a payment to the firm out of a customer's refund sits with your fair value assessment and your fee disclosures. The dashboard and every export disclose it either way.
One lane, because the money is the customer's
The recovery is the customer's money
The refund is paid to the customer net of the claim fee, and the plan review under CONC 8.8.1R decides what it does: shortens the plan, funds a settlement offer to creditors, or stays with the customer. The firm's share of the fee is shown on the dashboard. This is the programme the model is built on.
The servicing relationship has ended
Once a plan has closed or lapsed there is no plan to review and no servicing message to write. We do not put those customers in the model, and we do not pretend a message to a former customer is anything other than marketing under PECR. If you hold a large closed book, talk to us and we will walk through what is permitted properly.
For providers
What we need from you
A data extract of the book, for which we share the field specification, your vulnerability flags, your approval of the templates that go out in your name, and a named contact for the round-by-round sign off. Nothing else.
How it starts, and how it stops
The first five hundred cases run end to end while your compliance team watches, so you see real eligibility, real vulnerability handling and real complaint rates before the rest of the book moves. There is no set-up fee. Stopping is as simple as not funding the next month.
What you get for your Consumer Duty file
A live dashboard, per-case reporting that shows the recovery, the tax partner's share, the firm's share of the fee and the amount paid to the customer, and exportable audit certificates for every signature, ready for outcomes monitoring and board reports.
What happens at the end
Every submission, certificate and recovery record exports in bulk. Customer data is returned or securely deleted on your instruction, and the vault record is retained for six years, so the outcome stays evidenced whoever administers the plan next.
Discussing a programme on your book?
We are happy to walk your compliance team through the model, share the compliance pack and the Data Processing Agreement, and price a programme on the book as it stands.