I would call it more of a rip off than an "informal voluntary arrangement" whatever that is supposed to be! Exercise caution, as I feel that you could end up very disappointed with the end result.
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
I'm so incensed I'm going to phone them up, get some "advice" and an information pack and send it off to the OFT. I'm fed up with the poor service we receive...and it's our own selves who make us vulnerable targets because we keep our IVAs secret. I'm not blaming anyone BTW...I'm in the closet too about mine.
I don't agree there. Makes no difference whether you are open about your IVA or not, it's a matter of public record whether we like it or not.
David Mond from Cleardebt has been successful in the past dealing with these companies.
However, they spring up again under a different name shortly afterwards.
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
*website removed* , is the website of credit consolidation service , based on aldershot hampshire, also i paid them £175 up front to prepare my financial statements , and i have to go and see them on comming friday to pay £300 first instalment of my £2575 ,and he asked me to sign on contract which i signed for it, now my mind is become mindless, what about the company called pay plan for iva , does anyone got any idea about pay plan ,and should i need to pay upfront to set up my iva to any companies in advance.
Pay Plan are a proper IVA companyand some of the posters on here use them so hopefully someone will be along to give you a first hand review. Discuss CCS with Pay Plan and one or two other firms (I use Vardan Nuttall) as they will be able to sort this out. Do not pay anything on Friday, you can cancel the appointment even.
I do recommend that you visit www.iva.com for a list of companies and speak to a couple of them.
I would not be touching CCS with a barge pole.
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
I have just looked at the website and I think the advice offered on there is shocking!
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
but for the iva to start do i need to pay anything at all , i mean upfront fees , and i had been told by ccs that iva contribution will not go towards creditors fully as big chunk will be kept by the iva companies, what i am worried about that i signed one paper work on behalf of their services , what will happens if i say no to them on friday as they said that my financial report will be made on that day, please be advised me i am in trouble or i am fine, thanks
You can say no to anyone at anytime prior to an IVA being set up.
Cancel your meeting on Friday and speak to a different company as already advised.
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
I would personally advise you to at least speak to 2 or 3 other companies and make an informed decision by Tuesday of what you want to do, thereby giving yourself enough time to cancel your meeting for Friday if you feel you want to. At the end of the day it's your choice of whom to act for you and we can only advise you not tell you what to do but we do have your best interest at heart. The forum has members in all types of debt solutions and each one is suited to them.
Have a think today and talk to a couple or 3 companies tomorrow (that is what I would do). x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
i signed one paper work on ccs office which i was agreed for their service , it was payment schedule of £2575 in which i already paid £175 , can i cancel this agreement without any trouble being face in future by this ccs company , i just spoke to one of pay plan adviser , they said i can cancel this programme,
which is the best company for iva , or which i can trust , there are many companies around, all of them just shows dream, and after iva finished of 5 years is anyone got wiped off their remaining debts as they said on iva , does it really works , i mean after 5 years they clear all of your debts, thanks
