I have never heard of them - please speak to someone else. I've looked at their website and there is not a lot of information on there.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Point of interest - are you based in England or Scotland?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
ok thank you for all your advice and I will be contacting another firm today to see what they say and try and get a DRO instead.. this sight is so good would recommend it to other people in my predicament
I am a big fan of IVA's, but it is simply not the right thing for you.
To enter an IVA you will need to produce evidence that you can afford a minimum of £70 per month for 5 years. Some firms may accept a lower payment, but I personally don't know of any. Your DLA, or PIP, cannot be used in the calculations of what you can afford. It will be listed and then offset in full, so it is as if you do not receive it. The process of evidencing a proposal and arranging a creditors meeting will take usually 6 to 8 weeks. Creditors can object, and my guess is that even if you went forward with that then they would not accept it on the grounds of unaffordability. Even, very unlikely, if they did accept it, why pay £4,200 over 5 years when you can pay £90 and have done with it? With the right paperwork and co-operation from yourself then a DRO could take 2 to 3 weeks. My own record is 1 day, but that is exceptional.
Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
You can speak to Viki Warbrooke at Vincent Bond or Size 5 who will help you with things.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Debt Navigator are a lead generator who will pass solely to Creditfix. They do not give advice, and if they do then they are not authorised by the FCA to do so, as far as I can tell.
Good job really, as you are clearly getting, ahem, inappropriate information re these penalty notices.
Good luck and regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
hi can you tell wether they would class dla as an income also my partner is getting carers allowance for caring for me and it goes into my bank when I show statements it will have all income showing dla/child tax credits/child benefit/ carera allowance and eesa of these will they take all of them into account as income
Fingers crossed that you get sorted soon - let us know how things go for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Agree with Size5 - hopefully you can get this sorted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
