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, working closely with sister company TIPTech, brings its industry leading Debt Adviser Support Portal into our suite of solutions.

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.

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Tom Reeves
Head of Operations

Tom is an accomplished operations leader with over 15 years’ in regulated industries, including debt, personal insolvency and financial services. His extensive experience includes design and delivery of efficient operational frameworks, ensuring compliance, and building sustainable business infrastructures that support organisational growth and performance.

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Mel Bath
Opertions Manager - Advice Sector

Mel has 17 years experience working in the free debt sector. Initially starting out as a front-line debt advisor Mel has worked under several different funded contracts. During her time as an adviser Mel obtained her MIMA Certification and her DRO Approved Intermediary status. Mel then moved to 2nd Tier Services helping debt advisers deal with their complex casework.

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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.

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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.

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Andrew Kennedy
Head of Business Development

Andrew has over 30 years’ experience across the UK debt advice, insolvency and creditor sectors, with a background that includes time at KPMG, Grant Thornton and a range of specialist insolvency and outsourcing firms. He has a long track record of bringing creditors, advisers and insolvency practitioners together to improve journeys for customers in financial difficulty and to support robust, auditable decision-making.