Review from Bowen (234 views)
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|Review of: Debt Lifeboat|
|Review date: 20 June 2012|
|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: 1 days|
|Weeks to IVA proposal after decision made: 2 weeks|
|Weeks to IVA accepted/rejected after decision made: 5 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||9 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|
|Over several years from 1998 to 2005 my debt began to grow. this was mainly due to 15 year relationship coming to an end and having a good paying job that changed. My debt was at Â£70k and I need help. By 2006 my I considered all options and then I read about IVAs.|
|My interaction with the company:|
|One phone call changed my situation and enabled me to make a decision that would enable me to meet my monthly payments within my means.|
|Why I gave the ratings I did:|
|The team at lifeboat were always professional and always returned calls and letters quickly. No questions however small was an issue.|
|One thing they did - which really impressed me:|
|During the last year of my IVA I lost my job and Lifeboat worked through this with me and managed to close the IVA a few months early. This was great news when I was so close to completing the agreement.|
|One thing they did - which I felt could be improved:|
|I am now back in work and have learnt to keep to a budget and only spent what I have. Ive also only use debt cards and will never use credit cards again. My Â£70,000 with multy creditors was reduced and they received a dividend of Â£17,500 (24p on the pound) thats a writeoff of Â£53,000 of debt. No way I could ever hoped of repay this amount.|
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