Trustfolio
Who we are

Trustfolio is a ‘debt-tech’ firm founded by some the brightest and best leaders from across the consumer credit, debt advice, collections, insolvency, and fintech sectors. We are uniquely placed to bring a deep understanding of the full lifecycle of personal debt from our different perspectives driven by a shared belief that tech should empower rather than replace those working in the sector for the ultimate good of the consumer-in-debt.

Trustfolio acquired TIPTrust (formerly The Insolvency Panel) in January 2022, bringing its industry leading Debt Adviser Support Portal into our suite of solutions, along with well-established data transfer software company Asperitas Technologies.

Social value

We are a commercial company with a social purpose. Trustfolio’s solutions are ultimately designed to improve outcomes for the consumer-in-debt and our social value credentials are passed on to our clients when they use our platforms. Having previously provided free access to client credit files through our Debt Adviser Support Portal, we continue to work to ensure that we can support debt advisers in saving time and money, giving them instant access to the most comprehensive data for the lowest cost possible. Likewise, our public sector creditor clients benefit from not only increased efficiencies but improved ability to identify and implement the best debt solutions for the benefit of all.

Our people


Lou Yates
Lou Yates
Co-Founder & CEO

Lou started her first business in the consumer debt management space in the early 2000s and has since worked across the debt management and personal insolvency sector as a consultant, active campaigner, and founder of several innovative start-ups.

wrapkit
Craig McDonnell
Co-Founder & COO

Craig is founder and MD of Asperitas Technologies, which was acquired by Trustfolio in 2021. He is an expert in cloud-based data transfer.

wrapkit
Lee Usher
Creditor Services Director

Lee has worked across the credit and debt advice landscape for both private sector companies and Government. He holds several Trustee, Ambassador and Co-Chair roles within the advice and creditor sectors.

wrapkit
Ryan Hayes
COO - Advice Sector

Ryan has more than 10 years’ experience in the money and debt advice sector, working in the social housing, community interest, and homelessness space.

wrapkit
Peter Wallwork
Non-Executive Director

Peter was formerly chief executive of Credit Services Association, the UK trade body for the collections and debt purchase sector, and is a long-standing Board member of the Money Advice Liaison Group (MALG). He is also a Non-Executive Director of Arvato Financial Solutions.

wrapkit
Sara de Tute
Non-Executive Director

Sara was a Commercial Litigation Solicitor at leading firms Eversheds and Irwin Mitchell before spending almost 20 years in senior legal and compliance roles within the debt collection sector. She is also an experienced Board Adviser.