I live in scotland, is it true i can't have an iva

[booboo]

Thanks Oliver,
Can you tell me what i'll need to have when i ring your company? Will i need to pay Thomas Charles and Martin Aitken? How much will these be?
Thanks again
booboo

[Oliver]

No need for thanks, it's a pleasure to help.

All you'll need initially is information on your circumstances.

If you do wish to proceed with proposing a Trust Deed through Thomas Charles you will need to produce a detailed income/ expenditure budget and a statement of your financial affairs, which you will be completed with you by our Debt Advisers. You will then need to supply us with proof of your income, and statements from all your creditors.

The IP will be paid out of the money you produce for your creditors, so you will not have to physically pay them anything. There may be a fee payable to Thomas Charles for the work the Debt Adviser does on your behalf, but this will never be more than any disposable income you currently have and you will be able to discuss this further with your Debt Adviser. Furthermore, this will only be payable if your Trust Deed is accepted. Most importantly all initial conversations with your Debt Adviser are completely free and no money is payable until you have agreed for Thomas Charles to act on your behalf.

I am unaware if M. Aitken will charge a fee if you go direct to them for initially setting up the Trust Deed.



Best Regards
Oliver

Thomas Charles Ltd: Experts in all things IVA
www.thomascharles.com

[booboo]

Thanks again Oliver, you have no idea how much worry you've taken from me at this moment. Will it be okay to phone someone in your office tomorrow, do i need to ask for a special department? I usually shred my statements and wage slips but i have my most recent wage slip and a few statements from creditors. I also have my most recent bank statement. I have a few credit card bills that need to be paid in the next 2 weeks, should i just go ahead and pay these?
Thanks
Booboo

[Oliver]

No problem I am really glad I have managed to help.

You can phone the office anytime tomorrow between 9am and 7pm and someone will be able to help you. You won't need to ask for a specific department. Speak with a Debt Adviser tomorrow and they will be able to advise you when you can stop paying your creditors. The documents you have sound fine but please don't shred anymore, ha ha. You can even choose the Debt Adviser you would like to use as they all have profiles on our website which also include feedback and ratings from their previous clients.





Best Regards
Oliver

Thomas Charles Ltd: Experts in all things IVA
www.thomascharles.com

[booboo]

Hiya Oliver,
I've spoken with Steve Rees from your office this morning. We had a chat and we're going to get the ball rolling this afternoon. He is very helpful and not judgemental. Thanks again for all your advice yesterday, i'll let you know how i get on.
Thanks
Booboo

[Oliver]

It was a pleasure and you are more than welcome.

Steve is an excellent adviser so I'm glad that you are in safe hands.

All the best for the future and keep focusing on the light at the end of the tunnel that your debt solution will supply.

Kind Regards

Oliver

[admin]

Hi Everyone, This forum is non solicitation - ie it is about giving good advice and not selling services. This thread treads a delicate line between advice and solicitation.

Experts who want to win IVA business: Lets be clear - please only give advice, if someone wants to get hold of your organisation then they can do it from the contact details in your signature. I would expect that giving good advice would be the best advertisement for your organisation.

Good luck booboo.