Review from DJH (1157 views)
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|Review of: IVA Advice Company|
|Review date: 30 July 2009|
|Insolvency Practitioner who handled case: Susan Clay|
|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: 14 days|
|Weeks to IVA proposal after decision made: 10 weeks|
|Weeks to IVA accepted/rejected after decision made: 12 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||9 out of 10|
|Their customer service:||10 out of 10|
|Their speed of response:||9 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:||9 out of 10|
|We are a married couple in our thirties, 90k of debt, with 30k of equity in our property. We are both educated, hardworking people but became too reliant on credit, and ended up robbing Peter to pay Paul. We found we began using credit due to the additional expense of having 3 children, and the loss of one income. We also carried on with our lifestyle as before, even though we had less money coming in.|
|My interaction with the company:|
|The IVA Bureau were always very helpful and knowledgeable. Our proposal took longer than usual due to a family debt which caused a few problems, but otherwise they were very quick off the mark, and keen to help. They discussed all the other options and I trusted their advice on all matters. We felt much better after talking to them, and realised that we were not the only people in this situation.|
|Why I gave the ratings I did:|
|Because their service was faultless, and I would not hesitate in recommending them to friends or family if the need arose. Many Thanks to Angela, Melanie, Tom and Sue for their help and advice.|
|One thing they did - which really impressed me:|
|They worked very hard at getting the monthly budget planner just right, in making sure that we had enough to live on, which is after all the most important part!|
|One thing they did - which I felt could be improved:|
|The administration at the beginning of the process seemed to take a lot of time.|
|We have only just begun our IVA, so time will tell. We are certainly looking forward to the future, and managing without credit. We hope to never have a credit card ever again, as long as we live! Our IVA was extended to 72 months at the Chairmans meeting, although we felt this was fair in the circumstances. Our dividend was agreed at 24p in the £, but we do have an equity clause, in year 5, so not sure how much they will get back from that. Hopefully we have learnt our lesson, and can move forward in the knowledge that we will be debt free at the end of the process.|
Community Comments of this review
|4 out of 5||4 out of 5||31 July 2009|
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