Adam had you paid two payments up front and never had a creditor's meeting do you think you would have had your money back? I doubt it,but at least when you paid your first payment you had a date for the meeting and a legal document signed and sent to creditors.
The vast majority of companies who charge, do so on top of the IVA. It is a fee for 'introducing' them to an IP, something people are quite capable of doing themselves.
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
The vast majority of companies who charge, do so on top of the IVA. It is a fee for 'introducing' them to an IP, something people are quite capable of doing themselves.
im a bit worried now as they did ask for my bank details (my bank i dont have an overdraft with) i havent give them yet, i am concerned they will take these two payments of 600 and then i fail my iva i havent got his sort of money to spare at the mo, i was on the phone for over an hour by the time this came up in the conversation i was very stressed and tired, havent signed anything yet though would i best cancelling this the courier is coming on tuesday night, i probably need to speak to them tomorrow
I think they will probably take this money before they 'introduce' you to their sister firm.
Give one of the professionals on here who post - Melanie Giles, David Mond, Michael Peoples, Size5 or Andy Davie. They all come recommened by posters on here.
Click on the expert link on the left hand side of the page and you will find all their details and will be able to contact them.
Personally, I would stop the process with BE - I think that if your IVA is not approved, then you would lose this money. The companies above, as far as I am aware, don't charge upfront fees, and if you can't get an IVA it costs nothing.
Give a couple of others a ring. It will cost you nothing.
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
kallis3 wrote:
I think they will probably take this money before they 'introduce' you to their sister firm.
Give one of the professionals on here who post - Melanie Giles, David Mond, Michael Peoples, Size5 or Andy Davie. They all come recommened by posters on here.
Click on the expert link on the left hand side of the page and you will find all their details and will be able to contact them.
Personally, I would stop the process with BE - I think that if your
IVA is not approved, then you would lose this money. The companies above, as far as I am aware, don't charge upfront fees, and if you can't get an IVA it costs nothing.
Give a couple of others a ring. It will cost you nothing.
thank you for your advice may do this, when i first phoned them up i did ask what the fees were and they said none, i was confused a the end. me and my husband are struggling because he has been on strike no fault of his own and all his overtime has been stopped so we have been unable to pay certain creditors on time, his wages are up and down, so there is a chance we would be refused an iva but we do have a lot of outgoings too. i have not signed anything so will ring can cancel tomorrow, so glad i read this forum today and the small print about my charges, we cant spare 600 pounds at the moment.
I am sure that when you ring up tomorrow they will try and persuade you to stay with them. Phone one of the others and you will receive excellent advice.
We are here as well for advice and any support you may need.
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
Do please get advice from one of the IP's recommened on here. You will regret it if you dont,believe me.
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thanks i have written to melanie giles
will cancel courier tomorrow wish i had sought advice first as we defo wont have the funds for the admin fee upfront
hubby only just getting first proper wage this week and we owe poll tax etc after being on strike, i hope we get sorted though, thanks for support
Making contact with Mel and her team will probably be the best decision you have made in the past several years. Take my word for it,you wont look back!!
Good luck,and be strong with the other firm coz they dont give a hoot and just want your money!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Good luck with Melanie's team - you will find that you are in safe hands 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
