Glideflo Pro pricing
Recover the tax your consumers are owed.Into the arrangement, not out of it.
Glideflo Pro runs a fully managed HMRC tax recovery programme across the arrangements you supervise: qualification, outreach in your name, identity checks, document processing, signature and submission through our HMRC registered tax partner. Every recovery is paid into the arrangement after a published claim fee, so the dividend to creditors rises and the consumer's balance falls. Your caseworkers 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, shared between our HMRC registered tax partner and the practice. Everything else is claimed into the arrangement as an after-acquired asset, where it increases the dividend to creditors and reduces what the consumer still owes. Nobody on your team files a form, and no consumer is asked for money.
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 consumer 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 consumers who have not yet signed up. Quiet hours, one-click STOP and vulnerable consumer 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 after-acquired asset and the practice's retained fee are evidenced for creditors and your RPB, 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 claimed into the arrangement as an after-acquired asset under the standard terms, where it raises the dividend and lowers the consumer's outstanding balance.
Out of the claim fee, our HMRC registered tax partner takes 25% plus VAT, an effective rate of 30%. They are the ones who carry compliance sign off on every claim that goes in, which is what makes the whole thing filable. That share is deducted at source, so it never appears on an invoice and never reaches the practice.
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 retained fee is disclosed on the dashboard and in every export, so creditors see it too.
Written for the supervisor's obligations
Under Part 6 of the IVA Protocol standard terms the supervisor may claim any after-acquired asset over £500 into the arrangement, and under Part 3 the consumer must disclose such assets as soon as they reasonably can. A tax rebate the consumer did not know they could claim is exactly that class of asset, and a consumer cannot disclose an asset they do not know exists. The Protocol's vulnerability paragraphs and the IPA's October 2024 guidance expect regular contact, portfolio case reviews and staff trained to support vulnerable consumers. 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 supervisor must pursue tax rebates, 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 Supervisors page sets out each source, what it says, and how a retained fee on an after-acquired asset is disclosed to creditors.
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 practice's client relationship, never our opportunity, and the consumer remains in their arrangement 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 the same 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 trial 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 consumers 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 arrangements and completed arrangements on R3 terms in the book; leave out arrangements completed on Protocol terms, where the trust has ended.
Our communication strategy is calibrated on real world outreach campaigns run on this platform, timed to maximise consumer touch points within PECR and the other relevant guidelines. Every message goes out in the practice's name, about the consumer's arrangement. A consumer signs a single authority once. 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 book is supervised by more than one licensed practitioner, programmes run per practitioner, 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 consumer.
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 consumer 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, across this service and re-engagement alike. 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. On a trial there is a third, the £2,500 concierge, once. Beyond that there is nothing else on it, 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. Nothing is lost. It arrives later.
One claim, worked end to end
The outreach share allocates the whole cost of contacting your book, including the consumers 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 arrangements
People who entered an arrangement 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 consumer 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 consumer sees
A message from their supervisor, in the practice's name, about their arrangement, inside quiet hours, with one-click STOP. No cash offer, no unfamiliar sender, no pressure. If a consumer 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 consumers 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 consumers 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 consumer, so a consumer 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 your recognised professional body and, where it applies, the IPA's Volume Provider Regulation scheme.
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 consumers the Protocol asks you to treat with additional care
This page is for the people who have to sign the programme off. Your consumers are, by definition, people your regulator expects you to protect. Every contact in this programme is issued on your behalf, in your name, about their arrangement, inside controls you can show an inspector.
Your terms already contemplate it
| Source | What it says | What that means here |
|---|---|---|
| IVA Protocol 2025 Standard Terms, Part 6 |
The Supervisor may claim as an asset of the arrangement any after-acquired asset over £500. Once claimed, it is an asset of the arrangement. | A tax rebate the consumer did not know they could claim is exactly this class of asset. You are surfacing an asset the terms already anticipate, not inventing a new income stream. |
| Standard Terms, Part 3 | The consumer must give the Supervisor such information about their assets and affairs as they reasonably require, and report after-acquired assets as soon as reasonably possible. | Identifying the asset on the consumer's behalf is the reasonable-supervisor reading of the clause. |
| IVA Protocol 2025, paragraphs 24 to 26 | Supervisors follow their regulator's vulnerability guidance and make appropriate arrangements for a vulnerable consumer's needs. | Every contact in this programme runs inside routing and controls you can evidence: flags you hold pass through to us, and flagged consumers are routed to a slower, human-led cadence or excluded, as you instruct. |
| IPA regulatory guidance, 17 October 2024 |
Expects regular debtor contact, portfolio case reviews and staff trained to support vulnerable debtors. | Case reviews are where eligibility is spotted. This programme does that review across the whole book, in your name, with the outcome evidenced per case. |
| SIP 3.1, revised from 1 March 2023 | The standard for how an insolvency practitioner acts throughout an arrangement, in the interests of both the consumer and the creditors. | A recovery that raises the dividend and lowers the balance serves both at once. |
We are not lawyers and this is not legal advice. Your compliance team will want to check how a retained fee on an after-acquired asset sits with your proposal terms. The dashboard and every export disclose it to creditors either way.
Two lanes, because the law draws two lines
The recovery is an after-acquired asset
The supervisor claims it into the arrangement under Part 6 of the standard terms. The consumer's balance falls, the creditors' dividend rises, and the practice's retained fee is shown on the dashboard. This is the programme the model is built on.
The trust survives the completion certificate
Green v Wright [2017] EWCA Civ 111 held that on R3 terms the arrangement's trust continues after completion, so a refund arising from a right that existed at commencement remains an asset the supervisor can realise. Count these arrangements in the book on the Service page.
The Protocol standard terms extinguish the trust on the completion certificate, so a later recovery belongs to the former consumer personally. We do not put those cases in the model, and we do not pretend they work the same way. If you hold a large closed Protocol book, talk to us and we will walk through the options properly.
For supervisors
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
A trial of ten thousand consumers, with 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. Stopping is as simple as not funding the next month.
What you get for creditor reports
A live dashboard, per-case reporting that shows the recovery, the tax partner's share, the practice's retained fee and the amount paid into the arrangement, and exportable audit certificates for every signature, ready for annual reports and creditor questions.
What happens at the end
Every submission, certificate and recovery record exports in bulk. Consumer data is returned or securely deleted on your instruction, and the vault record is retained for six years, so the asset stays evidenced whoever supervises the arrangement 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.