Review from Steve (845 views)
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|Review of: Debt Free Direct|
|Review date: 23 June 2010|
|Insolvency Practitioner who handled case: Nicola Teader|
|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: 1 days|
|Weeks to IVA proposal after decision made: 6 weeks|
|Weeks to IVA accepted/rejected after decision made: 12 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||8 out of 10|
|Their customer service:||7 out of 10|
|Their speed of response:||6 out of 10|
|Overall Company Rating:||8 out of 10|
|Insolvency Practitioner Ratings|
|The quality of IVA proposal:||9 out of 10|
|Overall Insolvency Practitioner Rating:||8 out of 10|
|I am a university lecturer who had built up debts of around £60k through various reasons, with no assets - an IVA was my only option apart from bankruptcy.|
|My interaction with the company:|
|I called them and went through my situation, and an IVA was recommended. It took quite a while to go through but it was very professionally produced and was accepted with no problems. Having paid the IVA for four years I am now entering the final year and it has proceeded with no problems, and I am looking forward to being debt free.|
|Why I gave the ratings I did:|
|I gave 8 out of 10 as they seemed professional and gave the right advice, and were helpful with queries. Only minor reasons not to give 10 were the speed of the original proposal and minor glitches in paperwork in annual reviews (see below)|
|One thing they did - which really impressed me:|
|Helpful on-the-spot advice and seemed to have very good knowledge.|
|One thing they did - which I felt could be improved:|
|In the annual review, I was always supplied with the original proposal figures to compare my new income/expenditure with - as my circumstances changed significantly, it would be more useful to have given the previous years. On one occasion I was sent someone elses figures. However these are not serious issues.|
|Only one year left of the IVA - all has proceeded fine. I will pay back most of what I owed, around 75% (of course, I would not have been able to do this without the IVA due to interest payments). Overall I am happy to recommend Debt Free Direct.|
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- Debt Free Direct
extended IVA as opposed to terminating when I accrued arrears
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