Review from Danieln (1067 views)

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Review of: IVA Advice Company
Review date: 12 January 2010
Insolvency Practitioner who handled case: Melanie Giles
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: 5 weeks
Weeks to IVA accepted/rejected after decision made: 3 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:
My wife and I had accumulated approximatly £46k of debt some joint and some individual over 9 creditors. Following the birth of our first child in April 2009 and living on a single wage we struggled to meet minimum payments and found ourselves living on even more credit. We had no equity available due to negative equity.
My interaction with the company:
I initially contacted CCCS in mid 2009 and was setup on a DMP however the run time for this was 12 years (assuming no interest or other charges incurred) and I was still experiencing problems with a few creditors. CCCS said at the time said an IVA was no suitable due to a car loan my wife had, as it was quite new. We proceeded with the DMP not knowing what to do and in an attempt to try and resolve but I soon look for alternative. I checked the reviews on this site and decided to call the IVA advice bureau, I was very pleased with the service and their knowledge, each person I spoke to along the way was helpful and could always answer my questions.
Why I gave the ratings I did:
I rated them 10 as each time I contacted them they always replied promptly and set our minds at ease, acted very professional and we didnt feel like we were being judged.
One thing they did - which really impressed me:
Always able to provide an answer to questions and also their speed of responses to any questions I had emailed over.
One thing they did - which I felt could be improved:
 
Other points
We have now made our first payment, next due next week and both feel much much happier with life. Yes we have another 5 years, but it would have been much longer had we not contacted the IVA advice bureau and stuck with our initial choice.<br> <br> Dividend was 28p, writeoff was approx £28600

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Reviewer quotes

  • IVA Advice Company
Tamsyn my administrator was on top of all my paperwork straight away and kept me up to date with all...
Review from under par, 06-Sep-2010
The speed in which they activated the IVA. We attended a meeting with the practioner on Good Friday...
Review from blackhole, 21-Jun-2007
Melanie was always ready to advise, often late at night, essential given current operational tempo.
Review from Army Officer, 08-Jun-2007
Always followed through with what they had told me.
Review from legaleagle, 06-Jan-2011
Knowledge of how to make iva work for me and not shoehorn me into a one size fits all approach. Admi...
Review from Gj, 19-Jul-2012

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