Legal Notice

You assume total responsibility and risk for any use you make of the RNF Business Advisory Limited website. While we take care in the research, preparation and accuracy of this website and its facilities, RNF Business Advisory Limited provides the site for general guidance and information only. RNF Business Advisory Limited does not make any express or implied warranties, representations or endorsements whatsoever with regard to any service or product mentioned on the site or on the internet generally, and RNF Business Advisory Limited shall not be liable for any cost or damage arising either directly or indirectly from any such usage or transaction. In particular, you should note that information on this site is written in general terms and should not be relied upon or used as a substitute for professional advice with respect to a specific set of circumstances.


RNF Business Advisory Limited (Number 8762119) and RNF Debt Advisory Limited (Number 8762058) are a limited companies whose registered offices are at Ground Floor, Unit 501, Centennial Park, Centennial Avenue, Borehamwood, Hertfordshire, WD6 3FG.

Please note any business conducted with the company is with RNF Business Advisory Limited or RNF Debt Advisory Limited only and not with any one person individually.

Information Required Under The Provision Of Services Regulations 2009

In accordance with the disclosure requirements of the Services Regulations 2009 our professional indemnity insurer is CNA Hardy who may be contacted at 20 Fenchurch Street, London, EC3M 3BY.  This professional indemnity insurance provides worldwide coverage, excluding professional business carried out from an office in the United States of America or Canada, and excludes any action for a claim bought in any court in the United States of America or Canada.

Complaints procedure

RNF Business Advisory Limited and RNF Debt Advisory Limited provide a high level of professional care and quality of service. However, if there are situations where you feel that you need to complain about the service you have received, you should set out your complaint in writing to the resident partner in the office with which you are dealing. If you feel that you have not received a satisfactory response to your complaint then you should contact Ms F Connor at our London City office who will review your complaint and our response.

Most disputes can be resolved amicably either through the provision of further information or following negotiations. However, in the event that you have exhausted our complaints procedure and you are not satisfied that your complaint has been resolved or dealt with appropriately, you may complain to the regulatory body that licences the insolvency practitioner concerned. Any such complaints should be addressed to The Insolvency Service, IP Complaints, 3rd Floor, 1 City Walk, Leeds, LS11 9DA, and you can make a submission using an on-line form available at; or you can email: ; or you may phone 0845 602 9848 – calls are charged at between 1p and 10.5p per minute from a land line, or for mobiles, between 12p and 41p per minute if you’re calling from the UK.

If the matter does not relate to a formal insolvency procedure but about the conduct of one of insolvency practitioners, and you remain unsatisfied with the response to your complaint then you may complain to the Insolvency Practitioners Association at Valiant House 4-10 Heneage Lane London EC3A 5DQ; tel: 020 7623 5108; email:; website

If the matter relates to a formal insolvency procedure, and you remain unsatisfied with the response to your complaint then, from 5 June 2013, you may complain through a common Complaints Gateway hosted by the Insolvency Service. Complaints to the single Complaints Gateway can be made either by:

  • calling the Insolvency Service Enquiry Line on 0845 602 9848 (Monday to Friday 8am to 5pm),
  • email through the Insolvency Service website, or
  • completing the online complaints form and posting it to: IP Complaints, Insolvency Service, 3rd Floor, 1 City Walk, Leeds, LS11 9DA.

For more details, please visit:

Should your complaint fall under the terms of our consumer credit licence or relate to matters that fall within the rules of the Financial Services Authority, then you have a right to complain to the Financial Ombudsman Service (FOS) in the event that we have not dealt satisfactorily with your complaint within a period of 8 weeks. The FOS may be contacted at

The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall
E14 9SR
tel: 0845 080 1800

Our complaints procedures do not affect any right of legal action you may have against RNF Business Advisory Limited and RNF Debt Advisory Limited.

Working with you

We will work with you to explore your situation in detail and provide clear, jargon-free, honest advice. Rest assured, anything discussed with us remains confidential.

All initial consultations are free of charge and without obligation.

When you need help

Call Ruth on 01622 764 612
Call Ruth on 020 7253 7171

Customer Pledge

Provide honest straight forward advice
Treat everything you share with us in confidence
Ensure that matters are finalised and brought to closure
Always treat you with understanding and empathy
Communicate these clearly and keep you updated regularly
Find solutions to resolve your debt issues
Ensure our fees remain competitive and fair
View Customer Pledge


"I would like to re-iterate my thanks to Ruth and her staff for putting my finances back on track, so efficiently and effectively. As a now retired person, I hesitate to imagine my financial outlook had you not successfully orchestrated my IVA."

Mr S

"The most important thing about Ruth's approach is she is professional, not pompous. She is sympathetic to clients who have problems, listening and finding solutions..."

Mr M. Referring Accountant

"I found Ruth and her team to be patient and approachable as they were always at the other end of the phone to answer any questions that we may have thereby providing us with comforting assurances as much as possible. They were also frank and candid in telling us where they did not have an answer."

Mr L Company Director

"Ruth and her team helped me through a difficult time in a caring and supportive way. I know I can always go to Ruth for advice and guidance which will be given impartially and fairly for all parties concerned. This is very much an open, clear and professional relationship which I appreciate."


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