Richard Gardiner

B Acc (Hons) FCCA



  • Richard is Head of our corporate recovery and debt solutions department. He manages a large team of managers and support staff who offer the complete spectrum of personal and business debt solutions available under Scottish legislation.

Specialist Area

  • Richard is a licensed Insolvency Practitioner.
  • Richard is a specialist in all areas of debt resolution and regularly delivers presentations on the subject.
  • As well as offering advice on all debt options for individuals (including the Scottish Government’s Debt Arrangement Scheme – DAS), he has considerable experience in both corporate recovery and corporate insolvency. His experience includes –
  • Judicial factories
    • Miners’ welfare clubs
    • Handling complex property portfolios
    • Successful implementation of CVAs
    • Business DAS