IVA Review: easthopek on Blair Endersby Limited (799 views)

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Review of: Blair Endersby Limited

Review date: 09 July 2008

Insolvency Practitioner who handled case:

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:	1 out of 10
Their customer service:	1 out of 10
Their speed of response:	1 out of 10
Overall Company Rating:	1 out of 10

Insolvency Practitioner Ratings
The quality of IVA proposal:	1 out of 10
Overall Insolvency Practitioner Rating:	1 out of 10

My circumstances:

I had just left my husband and unfortunately signed everything over to him just to get out, he left me with some joint debt but I took it on (stupid I here you say) unless you are going through a separation you have no idea! Any way by the time I realised the trouble I was in my debt had escultated to £34,000 and I was on my own, I have a good job so thought I could handle it but the payments became too much so looked into going down the IVA route. Worse mistake of my life. I contacted Blair and asked them to go through the details, as you can appreciate I was not probably in the right frame of mind and if I had been thinking clearly would maybe have looked into a different way of dealing with this debt.<br> <br> They explained to the best of my knowledge the details of the IVA - which to date I now know NOT everything was explained and the finer details of their fee of £9,500 was slightly missed out and the fact that they would take their payment first before deciding to pay my creditors. Anyway as I was about to join the IVA I lost my job which I informed the IVA immediately and which I have done over the past 2 and half years I have had this, letting them know ever step of the way if my circumstances changed or if I came into a bit of money I paid them half. They informed me that it could go ahead and it was agreed that I pay £550. I then got a new job and was then able to pay £650 which was the figure originally agreed with my creditors. Because of the job I do I do get quite a bit of overtime, and Blair noticed this and requested 50% of that too, something they failed to mention at the beginning of the IVA. I then decided to contact Blair asking for explanations to this, and as usual which you agree if you have an IVA, you get no response or you get a response from a ramdom person that answers the phone who has not more qualifications than my pet cat! and I get more sense out of her. I have written in the past two years more letters than I can think but never a response or one that answers any of my questions. They have now told me that I may fail my IVA because I am in arrears by £2500 which they failed to let me know when I was making the payments of £650, and they want this paid within the next 6 months which is not going to happen. They also dropped a bombshell by telling me that my total debt is £48,000 because I owe them £9,500 and they have to take their fee before my creditors receive any of the debt (what can I say) they have me over a barrel if I pull out I loose my £6,000 already paid and my creditors will have only received £4,000 in two years. I am now paying an amount of £900 for the next 3 years, they reckon I will be short by £4,000 of the whole debt. They told me at the beginning that I pay this over 5 years and at the end the rest will be written off, but because I do a lot of overtime they see I am earning more and can pay the debt off in full (which I am not moaning about, after all I got the debt, I should pay it) but they also state that if and when i pay the full debt the creditors could then ask for up to 8% of the full amount of interest accrued. I am lost for words with this company. I never get a straight answer, no one knows what they are doing, and I am not sure they are even paying my creditors I have no faith in them whatsoever. <br> <br> Also my insolvency practitioner is supposedly Nick Morgan I have spoken to him twice in 2 years not bad really. Also I was told by way of the other dogs bodies on their call centre, that "he was doing me a favour calling he didnt have to tell me the information" WHAT THE HELL AM I PAYING £9500 FOR THEN!!!!! ok I have had my moan

My interaction with the company:

They were helpful at the beginning and then they took my money and now couldnt really give a monkeys about my situation, I am just another person in debt

Why I gave the ratings I did:

I rated them 1 because there wasnt the option of 0 I have never been so let down by a company and rude members of staff

One thing they did - which really impressed me:

I am still waiting for it to happen will let you know if it does - maybe if they said sorry we made a complete cock up of your IVA we will pay it for you, now I would be well impressed

One thing they did - which I felt could be improved:

They need to teach there staff customer relation skills - as I do not think one of them has a brain cell to understand the meaning of the word diplomacy

Other points

My situation is worse than before I went into the IVA - and as far as writing off the amounts I cant ever see that happening I am going to have to pay this whole thing - doesnt pay to work yourself into the ground they take it from you anyway and expect you to live on £50 a week which includes everything

Quality?	Genuine?	Date
5 out of 5	3 out of 5	07 November 2009
Quality?	Genuine?	Date
3 out of 5	3 out of 5	05 September 2009
Comment: Give please. Marriage is the only adventure open to the cowardly. I am from Albania and know bad English, please tell me right I wrote the following sentence: "Hair replacement salons, marketed in a woman of ready perceptions, her crush was convened that she would be made if he levied much give the unit of the v-pet size illness." With best wishes :o, Selina.

Quality?	Genuine?	Date
3 out of 5	3 out of 5	15 August 2009
Comment: Hello everyone. We are what we repeatedly do. I am from Sweden and now teach English, give true I wrote the following sentence: "Roth company, pc is a full service cpa firm based in des moines serving clients throughout iowa." Regards :P Thorpe.

Quality?	Genuine?	Date
5 out of 5	5 out of 5	21 July 2008

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Review from easthopek (799 views)

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