About Us

Since its inception in 2012 CD Fairfield has grown into one of the UK’s leading Non- Statutory and Statutory property and personal debt specialists. We are individually placed to represent our clients in all aspects of property debt from misselling, review, restructuring, refinancing through non-statutory negotiations (write downs), to statutory resolutions (IVA’s, administrations, bankruptcy) all in-house. We operate under the regulatory framework of both the FCA and CARB, this gives our clients the highest possible degree of protection and comfort.

Every client receives a bespoke, personally tailored service and proposal that meet their specific needs and the criteria of their lender, unlike many of our competitors who use templates.

CD Fairfield has developed strong insight and relationships with all the main UK lenders, due to our transparency and consistent approach.

As of January 2020, across our range of services, Negative Equity UK, Negative Equity NI, Get Help With Debt, Landlord Debt Advisory, CD Fairfield Insolvency, we have represented thousands of clients and negotiated over £126 million in property debt.

We offer a range of services, with a track record of successful outcomes that is unmatched in our sector. We offer all potential new clients a free initial consultation to review their options.

Senior Management Team

Phil Davison

Phil Davison

Managing Director

Phil has a 20 year plus career in the property sector. His career began working for homeless charities, moving on to social housing and housing management, and then eventually working as an LPA Receiver Managing Agent for many of the UK and NI high-street banks.

“Since Tom and I set up CD Fairfield in 2012, the company has grown rapidly. We have managed to develop internally by recruiting well and putting a lot of effort into our systems and training, and externally by creating partnerships with referring stakeholders”.

Phil’s ambition is that the company will continue to grow, improve and increase its level of service to its clients.

Tom Cardwell

Tom Cardwell


CD Fairfield Co-founder and Director Tom Cardwell has a decade of experience working in regulated financial roles. He is a qualified mortgage advisor having completed the Certificate in Mortgage Advice and Practice.

Tom takes an operational role in the company, meeting with clients to assess their circumstances and help to plan the best course of action to address their problems, taking them through the whole process from their initial enquiry to the successful resolution of their case.

“The key thing is that we are in the business of giving the client the best result based on their circumstances. That is why we take so much time with the client.”

Jim Edmonds

Jim Edmonds

Non-Executive Director

Jim Edmonds is a shareholder and non-executive director at CD Fairfield.

In addition to his work at CD Fairfield, Jim is also a founding partner at FEB Chartered Accountants, which has been supporting and advising small and medium businesses in Northern Ireland for 20 years. He brings his 20 year‘s experience in business development to CD Fairfield where he offers advice on how to implement the company’s plans for growth.

"CD Fairfield have become a real force in the local market and are now taking their much needed solutions to the UK. This is a business with a bright future bringing real help to people in difficult times and I am very happy to play a part in its success."

Paul Hannigan

Paul Hannigan

Non-Executive Director

Paul is a non-executive director at CD Fairfield having become involved in 2016. In 1989 he qualified as a chartered accountant having trained at KPMG, before moving on to work as a financial director and later managing director and executive director of several companies including SISK Healthcare and Cardiac Services.

As a non-executive director, Paul brings more than 30 years of experience in business to the company, which he uses to offer counsel on how best to grow the company.

“I like the people at CD Fairfield and enjoy the work sharing the benefits of my experience after more than 30 years in business."

Edward Richard Walsh

Edward Richard Walsh

Insolvency Practitioner

Ed joined CD Fairfield in 2015 with more than three decades experience working in corporate and personal insolvency across the United Kingdom, the Republic of Ireland and Northern Ireland. In 1992 he passed the Joint Insolvency Examination Board exams to become a licensed insolvency practitioner.

His job, as Insolvency Practitioner, is to take the formal appointments in the Individual Voluntary Arrangements (IVA) that CD Fairfield assists its clients in drafting in order to deal with their debts, where informal arrangements cannot achieve that purpose.

“I enjoy knowing that I am helping to relieve huge financial burdens from the client and giving them a chance to put their life back on track.”

Help with debt
Negative Equity UK

Corporate Responsibility

We’ve got big ambitions but we’re local at heart.

Still a young company, we’ve enjoyed success over the last few years that has exceeded even our big ambitions. But we’ll never get too big for our boots.

As a local company and a responsible employer, we’re conscious of our corporate and social responsibilities, so we work ethically and transparently and use sustainable practices wherever possible:

  • We avoid risk-taking in favour of a thought out, strategic approach to everything we do in order to build our business steadily and sustainably.
  • We are an ethical company happy to pay our taxes, supporting and enabling the society in which we live and work.
  • We look after our people, motivating them with good pay and benefits packages, supporting their professional development wherever we can.
  • We support the communities in which we live and work with a particular focus on helping young people, sport and local charities

Still a young company, we’ve enjoyed success over the last few years that has exceeded even our big ambitions. But we’ll never get too big for our boots.

Glenavon FC Academy

Glenavon F.C.

We’re sponsoring Glenavon FC Academy over 4 years, aiming to encourage and enable young people in sport. Glenavon Academy, Northern Ireland’s premier youth football academy, is very active in cross community projects and it primary goal is to get local kids fit and to break down social barriers between communities.

Autism Ireland

Autism Ireland

This year, we’ve made Autism Action Ireland our charity of the year. Tina Wallace used to work with the team at CD Fairfield and we are delighted to be able to help support a cause close to her heart. We presented Tina and her husband Paddy with a donation and our team will be fundraising throughout the coming year.

Mount Charles

Pro Bono Work

As debt representatives and counsellors, we often see people who are facing severe difficulties. In many of these cases, we’ll provide help on a pro bono basis to help people with no other options to escape their property problems.

NoIreland International Crime Fiction


We recently sponsored Noireland, Ireland’s first three day crime fiction festival, organised by No Alibis independent bookshop. We supported Noireland in organising a series of creative writing workshops with leading crime writers to develop a new generation of local authors and screenwriters. More than 2000 people attended the festival, with more planned for the future.

Contact us

Get in touch

CD Fairfield Capital – Head Office
Unit 2, Channel Wharf
21 Old Channel Road
Belfast, BT3 9DE

Phone: +44 (0) 28 9023 6074

CD Fairfield Capital – Manchester
Centurion House
129 Deansgate
Manchester,  M3 3WR

Phone: 016 1631 2727

© Copyright - CD Fairfield Capital Ltd, Registered in Northern Ireland, is authorised and regulated by the Financial Conduct Authority, FCA Number 688199 - Company registration number NI601487. Registered office: CD Fairfield Capital Ltd, Unit 2 Channel Wharf, 21 Old Channel Rd, Belfast, Co. Antrim, BT3 9DE.