Review from andrewgoodman121 (24864 views)

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  • Winner : Gold Review
  • Review date: 13 February 2008
  • 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: 3 days
  • Weeks to IVA proposal after decision made: 4 weeks
  • Weeks to IVA accepted/rejected after decision made: 12 weeks
  • IVA Company Ratings
    • Their debt solutions expertise:
      10 out of 10
    • Their customer service:
      10 out of 10
    • Their speed of response:
      10 out of 10
    • Overall Company Rating:
      10 out of 10
  • Insolvency Practitioner Ratings
    • The quality of IVA proposal:
      10 out of 10
    • Overall Insolvency Practitioner Rating:
      10 out of 10
  • My circumstances:
  • I am a Reprographics Operator who has a small family with 2 Daughters and was £24500 in debt to 6 creditors and were all Credit Cards.<br/> I was Robbing Peter to Pay Paul,doing shedloads of extra work and overtime just to keep creditors happy and ply them with loads of INTEREST!!! which was the CRIPPLER!!!<br/> in my situation.<br/> I don,t have a mortgage or assets as such and after reading and studying DEBT SOLUTIONS i considered an IVA to be my best route as i didnt want to go Bankrupt.<br/> I AM NOW PAYING £345 per month which is manageable and have made some cut backs on my mobile phone and SKY TV.<br/> Its amazing how much money you chuck away on STUFF YOU DONT REALLY WATCH OR NEED!!
  • My interaction with the company:
  • I used this website as my shop around as i had already made my mind up after long thought that an IVA is my best route forward.I advise others who are taking this route to do the same.<br/> The companies and IP that stood out the most was Philip Gill & Co and the IVA Advice Bureau and in particular Melanie Giles who seems to be doing a Torvill & Dean scoring perfect scores on all the reviews.<br/> This was my way forward and Tina,Angela,Melanie and Sarah were all FANTASTIC!! in getting my proposal through.<br/> There was a very slight modification but it is a million times better than before and lets hope that i can bring it all to a succesful conclusion which is what it is all about and is what we as a family deserve as well as our creditors
  • Why I gave the ratings I did:
  • I gave them 10 out 10 as they were always there and know that it is a VERY STRESSFUL SITUATION!!!Applying and doing an IVA is not easy and is definately not the way as portrayed on TV.
  • One thing they did - which really impressed me:
  • Listened to all my Worries and Questions and were always answering my E-Mails and Blogs on the IVA.CO.UK Forum as well at any hour.<br/> CRIKEY!! do they go to bed.<br/>
  • One thing they did - which I felt could be improved:
  • I cant fault them with anything really and feel that even though some HOME TRUTHS!! hurt as Melanie Giles<br/> stated ,some things during my proposal stage really HIT HOME!!! it is things that needed to be said and i am glad that they did and couldt have asked for anything more. 
  • Other points
  • I am currently paying £345 per month which is roughly 63p<br/> and am writing off roughly 37% of a debt of £24500.

Community Comments of this review

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  • Date
  • 3 out of 5
  • 3 out of 5
  • 23 June 2011

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Reviewer quotes

  • IVA Advice Company
  • Personal attention. It was like bringing your problem to a known and trusted friend.

    Review from Ian Simpson, 27-Jul-2010

  • Face to face meeting between Melanie and i. Actually doing the proposal there and then and coming a...

    Review from buttercup, 10-Apr-2008

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  • 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...
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