Review from tawny (26024 views)

< Prev Next >
  • Review of: The Debt People
  • Review date: 05 January 2007
  • Insolvency Practitioner who handled case: Not Known
  • I proceeded as far along as: Accepted IVA
  • The solution I opted for in the end: IVA
  • Speed of response
  • No of days to make a decision after I spoke to IVA company: 4 days
  • Weeks to IVA proposal after decision made: 2 weeks
  • Weeks to IVA accepted/rejected after decision made: 6 weeks
  • IVA Company Ratings
    • Their debt solutions expertise:
      5 out of 10
    • Their customer service:
      4 out of 10
    • Their speed of response:
      7 out of 10
    • Overall Company Rating:
      7 out of 10
  • Insolvency Practitioner Ratings
    • The quality of IVA proposal:
      3 out of 10
    • Overall Insolvency Practitioner Rating:
      6 out of 10
  • My circumstances:
  • i was recommended to them from churchwood finance. <br/> I wasnt told i wouldnt be able to move companies if i wasnt happy with their services and my papers were not returned
  • My interaction with the company:
  • they were very good and quick at getting my iva set up but i felt they were working for my creditors
  • Why I gave the ratings I did:
  • on my first review i was most displeased with them. <br/> 3 payslips sent to them got letter to say everything was ok to them asking me to ask employer for copies of payslips from the previous year. to 12 months payslips and 12 months bank statements.
  • One thing they did - which really impressed me:
  • the speed inwhich they got me my iva
  • One thing they did - which I felt could be improved:
  • they could have worked out my proposal before they agreed for me to give up half my overtime. And they could have warned me that i wasnt allowed a mortgage. And didnt say i could not later try for a loan to pay off the remainder i only have one road if i want to pay off my iva with a consolidation loan in order for me to get a mortgage 
  • Other points
  • still paying it off

Community Comments of this review

  • Quality?
  • Genuine?
  • Date
  • 1 out of 5
  • 1 out of 5
  • 01 March 2010
  • Comments: This aint right people
  • Quality?
  • Genuine?
  • Date
  • 4 out of 5
  • 4 out of 5
  • 21 March 2009
  • Comments: Maybe you should speak with you IP about the re-mortgage, as there is nothing stopping you paying your IVA of early by way of re-mortgage, and infact your creditors would probably like to see the money early instead of waiting five years, however given you are in an IVA you will find it hard to get a mortgage in the current market, and you would probablly need around 70% LTV if it is at all possible.
  • Quality?
  • Genuine?
  • Date
  • 4 out of 5
  • 5 out of 5
  • 17 March 2009
  • Quality?
  • Genuine?
  • Date
  • 3 out of 5
  • 3 out of 5
  • 30 May 2007
  • Comments: If your an IVA you couldn't afford a mortgage as a key condition of IVAs is that you pay as much as you can (all your surplas income)to your creditors after all their still agreeing to write off most of the remaining debt. If you IP wasn't drafting your proposal with the creditors in mind it probably wouldn't get accepted

Comment this review

Attention IVA community: Please help us police the quality of the reviews being posted:

  • How informative was this review?
    • Not useful
    • Bit vague
    • ok
    • Informative
    • Very Informative
  • How genuine does this review look?
    • This is Spam
    • Doubtful
    • Don't know
    • Probably Genuine
    • Definitely Genuine
  • Your comments: (optional)
  • Please leave your name and email(will not be displayed):
  • Name: (optional)
  • Email: (optional)
  • Please Enter the Text in the image below:
  • (Your IP address will be recorded but not displayed)

Submit a review urgently need your IVA and IP reviews so that we can provide a more accurate representatation of who is doing a good job and who needs to improve. Your reviews will help other people in your situation find the best IVA Firm or IP to talk to. will send prizes of gift vouchers to the authors of the best reviews.

We are looking for 3 types of reviews:

  • Free advice/consultation from an IVA Firm

Was it impartial? Did they have clear expertise?

  • IVA proposals

Was it successful? Were you happy with the service?

  • IVAs in progress

How are they handling your case? Is the IVA progressing ok?
Click here to submit a Review

IVA Calculator

  • Find out if an IVA can help you?
  • See how much debt you can write off.

Reviewer quotes

  • The Debt People
  • What really impressed us, was the way that we were treated as individuals. Our case was worked aroun...

    Review from Ann - Marie, 07-Dec-2007

Search for IP/IVA Firm

  • Search:
  • (search is fuzzy - part of name is fine)

Last 10 Reviews

  • Name
  • Rating
  • Age
See all 6139 reviews

Last 5 comments(for Reviews)

  • Name
  • Quality
  • Genuine?
  • I have problems with ppi claims paid into my iva freeman jon es does not inform you as to the way t...
  • i9 am with freeman jones and have been for 3 years at first they were good now three years down the ...
  • Wait until they get to year 3 and NTF are never off the phone trying to increase their payments. It ...
  • I must agree with some of the comments I spoke to FJ this morning only to be told that my relashions...
  • Please accept my apologies for the service you have received. I would like to look into the problems...
See all 1475 comments

Best Reviews

  • Rating
  • Author

Popular Reviews

Insolvency Advice Articles

Click on one of the headings below to read a range of articles on insolvency:

Reviews on is rated 3.9 on a scale of 5 based on on
Latest review:
A useful site that is free to use and full of useful... - by , 01/03/2008
5/ 5stars

Good Points

Very informative with lots of useful information. A lot of reviews on firms that really help understand their customer service and ability. The reviews appear to be genuine as they offer interesting insights. Didn't really use the the map but looks impressive!

Bad Points

The site is a bit cluttered and sometimes hard to navigate around.

General Comments

A useful site that is free to use and full of useful information about IVAs. If you are thinking of doing an IVA then this is a must use site.