Review from Ordinary_World (2610 views)
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|Review of: IVA Advice Company|
|Review date: 07 July 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: 3 days|
|Weeks to IVA proposal after decision made: 2 weeks|
|Weeks to IVA accepted/rejected after decision made: 3 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|
|We are two professionals who had joint debts of approx £116k that had accrued over a period of about 8 years. After a series of structural problems with a number of properties and the rising costs of nursery places, job relocation and bank charges we simply ended up in over our heads - we had £4300 net coming in and £5000+ going out! It took us some time to accept defeat and look for a solution to our problem. The banks were only too happy to offer us cheap loans via email/post and stupidly we were only too happy to accept (due to our circumstances). We have a property with some equity and wanted to hang on to the property so that the whole experience is transparent to the kids (otherwise we would have filed for BR).|
|My interaction with the company:|
|We found the http://www.iva.co.uk/ forum and Melanie Giles is an IP with extensive experience and a forum expert. If you are experiencing financial difficulties, we would strongly recommend you see Melanie in action and review the many threads to which she has contributed.|
|Why I gave the ratings I did:|
|I gave the excellent ratings for the following reasons:<br> - Customer care is excellent as it is friendly, personalised and response is very fast. When you have a personal query it is normally dealt with by the IP within the day (usually within the hour!). You can also speak to Melanie via the www.iva.co.uk/forum for non-case specific information. You do not feel like an item on a companys IVA conveyor belt! <br> - Advice is absolutely top notch and you are always in a position to make an informed choice.<br> - Melanie and team actually care.|
|One thing they did - which really impressed me:|
|Customer care and understanding.|
|One thing they did - which I felt could be improved:|
|IVA proposal sent to creditors 15th June 2007 offering dividend of 40p/£ for £116k debt<br> 19 creditors, Northern Rock had a 23% vote and voted No. However, they were out-voted.<br> IVA was accepted on 5th July 2007 with reasonable mods to provide a 47p/£ dividend.|
Community Comments of this review
|5 out of 5||5 out of 5||15 September 2009|
|Comment: Excellent review!! I wish Ordinary_world all the best in the IVA and I will be contacting Melanie asap!|
|5 out of 5||5 out of 5||17 October 2007|
|Comment: Very helpful! Good luck to ordinary_world in the IVA. I'm going to give Melanie a call as I'm also in over my head now.|
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