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| My circumstances: |
I am a Reprographics Operator who has a small family with 2 Daughters and was £24500 in debt to 6 creditors and were all Credit Cards.
I was Robbing Peter to Pay Paul,doing shedloads of extra work and overtime just to keep creditors happy and ply them with loads of INTEREST!!! which was the CRIPPLER!!!
in my situation.
I don,t have a mortgage or assets as such and after reading and studying DEBT SOLUTIONS i considered an IVA to be my best route as i didnt want to go Bankrupt.
I AM NOW PAYING £345 per month which is manageable and have made some cut backs on my mobile phone and SKY TV.
Its amazing how much money you chuck away on STUFF YOU DONT REALLY WATCH OR NEED!! |
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| My interaction with
the company: |
I used this website as my shop around as i had already made my mind up after long thought that an IVA is my best route forward.I advise others who are taking this route to do the same.
The companies and IP that stood out the most was Philip Gill & Co and the IVA Advice Bureau and in particular Melanie Giles who seems to be doing a Torvill & Dean scoring perfect scores on all the reviews.
This was my way forward and Tina,Angela,Melanie and Sarah were all FANTASTIC!! in getting my proposal through.
There was a very slight modification but it is a million times better than before and lets hope that i can bring it all to a succesful conclusion which is what it is all about and is what we as a family deserve as well as our creditors |
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| Why I gave the ratings I did: |
| I gave them 10 out 10 as they were always there and know that it is a VERY STRESSFUL SITUATION!!!Applying and doing an IVA is not easy and is definately not the way as portrayed on TV. |
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| One thing they did - which really
impressed me: |
Listened to all my Worries and Questions and were always answering my E-Mails and Blogs on the IVA.CO.UK Forum as well at any hour.
CRIKEY!! do they go to bed.
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| One thing they did - which I felt could be improved: |
I cant fault them with anything really and feel that even though some HOME TRUTHS!! hurt as Melanie Giles
stated ,some things during my proposal stage really HIT HOME!!! it is things that needed to be said and i am glad that they did and couldt have asked for anything more. |
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| Other points |
I am currently paying £345 per month which is roughly 63p
and am writing off roughly 37% of a debt of £24500. |
