Review from tawny (13680 views)
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| 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 |
| Comment: This aint right people | ||
| Quality? | Genuine? | Date |
| 4 out of 5 | 4 out of 5 | 21 March 2009 |
| Comment: 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 |
| Comment: 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 | ||
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Reviewer quotes
- The Debt People
|
the speed inwhich they got me my iva
Review from tawny, 05-Jan-2007 |
|
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 |
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