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I just wanted to drop you all an email to express my thanks and gratitude not only for your professional service provided by the whole team. But more importantly the personal support your whole team has provided. Always professional, available and more importantly sympathetic to the dire situation my business is in.

In your provision of your knowledge for the whole CVA process. It has given me a great confidence boost in what is a very perilous time personally. Knowing that I have made the right choice in opting for the CVA and moving the business forward to recovery.

I know often there are some not very kind remarks levied to your field of business. But certainly my personal experience couldn’t be more different and I really cannot commend or thank your team enough. If you ever get a client who needs some feedback about the whole CVA process and KSA. I would be more than happy to oblige.

Dear Keith

I just wanted to drop you a line to say a massive thank you to you and your team for successfully getting us through our CVA.

Whilst we still face many challenges we have at least the opportunity to salvage a successful business from this process, which would not have been the case without the CVA.

You whole team were magnificent and always incredibly helpful.

No doubt, I will be in touch soon as we continue to work through this process.Once again, thank you for your help and support during this process.


‘’Thank you so much for today’s meeting.
You’ve been an amazing help to us and we appreciate your time and honesty.
I will keep up to date with you and will most certainly be recommending your company to anyone I speak to, who sounds like they will need you.
Have a great weekend.
Thanks again ‘’



‘’Just wanted to say a massive thank you for everything you have done to help us these last 7 months! You have listened to me crying down the phone so many times and have always reassured us!!
Will miss catching up with you almost daily!!! Can’t thank KSA enough!! Hope to speak soon’’



‘’As you may be aware by now we managed to settle the petition debt with HMRC at the last minute and the case was summarily dismissed on the adjournment date.
I’d like to express my gratefulness to the KSA team which supported us through these trying moments. Their dedication and professionalism were without question as we chased every option. I’m very grateful for the advise and professional help.
I’d like to particularly thank Stuart, the case handler, who walked alongside us preparing the various CVAs and liaising with the IPs on the various options available. Stuart, we are very grateful for this.
It’s a useful service you offer and hope other companies benefit in likewise manner as we did.
Many thanks ‘’


‘’ You did really save my life/family, without you I would now be bankrupt and have no family home! I’d be 46 years old and skint (and no motorbike)! You gave me and my staff a fighting chance and you really did deliver everything you promised to us! I am happy to be a referee for KSA Group. ‘’


‘’Hi Marie/Malcolm,
I just wanted to confirm that I have spoken with HMRC and they have confirmed the outstanding balance for 2013/14 has been paid in full. Thank you so much for your efforts, HMRC have not been easy to deal with and in hindsight if they had just accepted a payment plan it would have saved me a lot of stress and the extra expense. KSA’s involvement bought me the extra time I needed to get the outstanding money paid, so thank you. I hope to never be in this position again and will work hard to make my business a success, I wish you both well. ‘’


‘’I would like to thank you with all your help over the months with the CVA, you have guided us through everything and at the stressful times kept me calm and taken all the strain out of what was happening.
I wish you well and all the best for the future. ‘’


‘’I wanted to drop you a quick note to let you know that today I have sent a final payment to Eric Walls and the creditors fund, which now completes the CVA process for the company.
The company is now in a very different place to when you, Hugh and then Eirlys helped us so much to get through the first few months before the CVA was approved. Having read through some of the testimonials on your website I can only endorse the comments about your team and the fantastic way they listen, help, sort out and restructure the business.’’


‘’I am sure I am not alone in saying that most company owners and directors are pretty battle scarred before they get in touch with you but there is always a willingness to continue the fight for survival. We have, after all, created a business with loyal staff that have mortgages to pay. However, when we sit down and go through a five year plan there is a nagging doubt of whether I can pull the business through the process. What was particularly helpful to me in those early days was the complete lack of judgemental comment and instead, very helpful comments on how to turn around a business and get it back to prosperity. The majority of my company income comes from advertising in our trade journals and PR retainers, the first areas that get cut in tough times. So, even though Eirlys was able to successfully keep our creditors and trade suppliers on side, top line growth was always going to be a problem.
I believe we came through the five years by making some major decisions that caused a number of problems in the first place. Our offices were far too big and costly, we had too many staff, and we had been overly loyal to some suppliers such as printers who had been charging too much for their services. Throughout the five years we have not experienced any problems with suppliers, apart from our bankers (with whom we had taken out a business loan that was backed by our houses). This bank has been hopeless and completely useless throughout and I can’t wait to get rid of them.
My thanks again to you and the KSA team, we would not be here today without your help, thank you so much.
Kind regards’’


“I have worked with Keith on a number of CVA cases during the past few years. Keith works with the client’s best interest at the fore – he is extremely knowledgable and his expertise and success rate in turn around situations is without question. Keith has the support of a very skilled and professional team who have enjoyed a very high success rate with CVAs. I have enjoyed first hand experience of a company being rescued at the ’11th’ hour by Keith and his team to offer them the opportunity to survive and ultimately prosper.”

‘’As we have now finalised the CVA for ********************* Limited I just wanted to drop a mail to say thank you to all of you and your extended team for all your support in the last 6 months.
I especially wanted to thank Marie. I am sure she has been pulling her hair out with me at several points during the process but she has remained very supportive and professional throughout. It has been a very difficult time for me but I have learnt a lot during this process, but in a nice way I hope I will never have to use this service from KSA Group ever again!!! I would highly recommend KSA Group to anyone in the future that may require this type of service. – South East based Training Collage.’’

“Having tried and failed to negotiate a time to pay agreement with HMRC, we got in touch with KSA group in order to discuss our options on restructuring the debt we had. As a Managing Director responsible for the livelihoods of a group of people I’d spent years working with, this period was fraught with stress, worry and uncertainty. Finding the right partner to help us get back on our feet was singularly the most important decision in our Company’s history- and undoubtably by selecting KSA one we got right. Their experience and depth of knowledge of the CVA process was apparent from our first formal meeting, and they were able to deftly guide us through the process. Their people were responsive to our queries, empathetic with the situation we were in, and critically able to develop a document for presentation to creditors that undoubtedly made the difference between failure and success.
On a personal note, being able to trust your advisors to ‘handle it’ allows you to focus on the business- critical to getting out of the situation. I know first hand the emotional turmoil and stress caused by the threat to your business, and if you are reading this and fancy a pint with someone who has been there and come through it, get in touch with KSA Group and I’d happily meet up for a chat.”


‘’Many thanks for your e-mail on Monday.
Yes it’s been a battle but we got there! I can’t thank you ALL enough for the professional way in which we have been handled throughout the whole process. You have kept us level headed while the whole world seems to be coming apart. As discussed with Wayne, I would be more than happy to speak to any potential customers that you may have, or assist in any other way.
Please pass my thanks onto all concerned. When we do visit Scotland, as promised, I will buy you that pint!
Once again many thanks. Best regards….. ‘’

‘’I am writing to thank yourself and everyone involved in being successful in getting the CVA through yesterday. Everyone involved has been brilliant and it was a great relief to me yesterday to get it out the way, so that I can now concentrate on work and get on with making the company successful again along with the rest of the staff here. Hopefully we will be able to do the same soon with our mechanical side. I didn’t want to point out any one individual for special praise as it has been a great team effort, but I feel I must give a special thank you to Carol who has gone above the call of duty and suffered as much stress as myself and also gave most of her Christmas holiday up for the cause.
My upmost gratitude to you all.’’

‘’Marie – please accept my extremely grateful thanks for your considerable contribution to a successful outcome. Your patience, understanding and forbearance were all invaluable – at times we must have driven you to despair !! Marie, thank you once again and for the effort made by your colleagues – very much appreciated – CVA approved 11/06/2013’’


‘’Thank you so much and to everyone at KSA. Now I can get on with my life and have the chance to take my company back to where it belongs. Thank you so very, very much for all your work.
Kind Regards, Jane ‘’


‘’I just wanted to write to you to say a sincere thanks for the work that you have done for us. Without doubt, we would have gone bust if it wasn’t for your advice, actions, guidance and experience. As a result of the CVA being approved we now can continue to trade in a new form of business. Your help has ensured the continued employment of 16 people, whom should all be very grateful to you. We still have the actual hive down to do, which is being discussed internally and with the bank at the moment, but there is definitely a strong sense that the whole process is coming to a close. The good news is that January and February look to be fairly high profit months for us – a real return to form which was seriously lacking last year. I think this has something to do with the fact that I’m back earning again rather than ‘rescuing’ the business, but mainly because of a general surge in our client base spending money. We hope we can keep this up, but now know that with our tight costs control and reduction in fixed costs it’s not a major issue any more if work just ‘dribbles’ in the door. Either way, our business model is very different but much more robust and will remain that way.
So from ******, thanks for all your hard work and for ultimately saving our business. ‘’

‘’Just a quick note to say a big thank you to all the staff at KSA, our CVA was passed today by creditors voting in an overwhelming number including HMRC to accept the proposal as prepared by KSA.
The road to reach today’s conclusion has been bumpy, but at each stage your team has supported and guided us through the issues and we have reached a very satisfactory outcome to the benefit of customers, staff, all creditors and shareholders.
Please pass on my sincere thanks to everyone at KSA. ‘’


I just wanted to thank you all for your assistance with the CVA preparation. With 100% of creditors voting in favour this is a testament to your experience and process in putting these together.
The last few weeks has been a nerve wracking time and timing has been close to the wire, but the end result means that we are now well positioned to execute our plans going forward to the benefit of all. In deciding to go with KSA we had numerous other providers who were either cheaper or pushing a pre-pack route. You have delivered what you set out and certainly a much better outcome than administration. Marie, a special thanks for your efficient and calm handling of all the issues that have arisen, and Andrew – your “mother of all spreadsheets” will now double as our operating budget for next year. Finally, if you ever have any prospective clients who require a reference, I would be happy to talk with them.’’


‘’ I just wanted to drop you a quick line as we start the fifth and final year of our CVA. I can’t believe just how quickly the time has gone, which is clearly a sign of old age or we are enjoying the business again. We have had some good years in 2010,11, 12 and 2013, always making the CVA payments and the Bank Loan as well.
This February I did ask Eric Walls if we could extend the CVA payment period to eighteen months for Year 5 which he agreed to which has helped a lot with the cash flow, so now only 12 payments to go. The company is now very different, staff levels are reduced down to seven and we moved to offices in Andover, so a much reduced turnover but a significant surplus. We still have a bit to go, but I would say the concept of a CVA has allowed us to continue in business, the relationship with those creditors who we still deal with has been good. So my thanks again for your wonderful guidance in the three months leading to the official CVA starting in July 2009, we were at a very scary place emotionally having endured about a year of things going from bad to worse , so I am so grateful for your wonderful support and the KSA team. Hugh Gabriel, who was our first point of contact spent a couple of hours going through all the options in a clear concise way, which then allowed us to make the right decision.
I hope you have a wonderful Christmas and New Year, Kindest Wishes…’’


‘’Having worked hard to build up a business which had been restructured and re-branded in 2013, we realised that the debts that it had built up over 2012 were in danger of destroying it. Our business was moving into profit and yet pressure from our 2 main creditors (HMRC and Council) were literally days away from bringing it all to an end.
I met with Derek from KSA and knew immediately that something could be done, not only this but the dept of knowledge that he had put me at ease. We immediately engaged KSA to put forward a CVA proposal to our creditors which was accepted by 100% of those who voted (inc. HMRC and Council) last week. KSA have worked tirelessly to halt action from all creditors to allow us to put together our plan. If you are reading this, you will know how stressful and worrying creditor pressure can be and the associated worry of losing your business and ultimately failing. If your business is viable then KSA will leave no stone un-turned in finding a solution, they are well known to a lot of bodies in the UK, including HMRC who halted action for over 3 months to allow us to work on our CVA proposal. This is just a short note to thank everyone involved, special thanks must go to Derek and Eric and extra special thanks to Eirlys who pulled everything together and probably was pulling her hair out at times with us! Thank you so much for allowing us the chance to now trade through 2014 and beyond and fulfill the full potential of what we know we are capable of.
Ken Rowand – Rowand Fine Wine & Delicatessens Ltd ‘’

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