Review from David (3120 views)
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|Review of: IVA Advice Company|
|Review date: 31 August 2007|
|Insolvency Practitioner who handled case: Melanie R 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: 2 days|
|Weeks to IVA proposal after decision made: 14 weeks|
|Weeks to IVA accepted/rejected after decision made: 18 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|
|Due to health reasons (heart) I had to switch to an office based career which resulted in my earnings being halved.My wife and I could no longer manage our debts of £45k and mortgage.On the plus side we had some equity in our home but not sufficient to settle our debts in full.|
|My interaction with the company:|
|The IVA Advice Bureau were the second company we had spoken to. I immediately felt comfortable discussing our situation.They gave us an detailed brief of all the options open to us. Because we had minimal cash available from our salaries Melanie Giles (our I.P.) suggested a one-off full and final settlement of £27k funded by a mortgage.At every stage we were kept informed. Our questions were always answered speedily and with clarity.|
|Why I gave the ratings I did:|
|Our situation was dealt with professionally and with courtesy. We were kept informed at all stages and at no point were we made to feel embarassed by our financial mistakes.|
|One thing they did - which really impressed me:|
|Melanies dedication to her career. There are few professional people who will respond to your e-mails past 9pm. Melanie seems to live in her office!|
|One thing they did - which I felt could be improved:|
|Nothing...........<br> Thanks to Melanie, Sarah Rafique (our chief point of contact), Tina Shortland and Angela Shaw.<br> A special big thank you also to the guy who set-up our mortgage, Anthony Parsons. He was thorough and patient when I was impatient,polite when I was abrupt and was there with the answers when we needed him. A really nice guy.|
|Things we have learned from our experiences?<br> 1/ Never have anything on credit-ever.<br> 2/ Never give up hope and never have self-pity.<br> 3/ Never under estimate your finances- always expect the expected.If you start to rob Peter to pay Paul- you need help! <br> We are in our fifties and now look to a brighter future but with a keener eye on the wallet & purse strings!|
Community Comments of this review
|4 out of 5||4 out of 5||06 January 2010|
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