Hi Guys this is my first post, I am in need of some help and after reading this forum you all seem very compastionate and knowlegeable.
Can anyone reccomend someone to speak to in reards to an IVA please, I have spoke to Vincent Bond and they seem good but I do not have a yardstick to guage them by and there are so many companies out there I am just getting bogged down on who to speak to.
I am also wondering if anyone knows if me and my partner can get a combined IVA we have significant debt and if so when it is paid off will it affect my Scottish wifes ability to emigrate to Canada and my ability to sponsor her and my childeren as I have dual Nationality .
If you have been happy with the advice given by Vincent Bond, and unhappy with other companies then I would go with your instict. They are a very reputable company, who I gather work with a number of different IP firms and will find the right professional to help you put forward your proposals.
Do make sure that you understand all of the options available to you, and that the choice you make is based upon a lot of thinking and research on your part.
Mutually interlocking arrangements may be suitable for you, but are not essential, and I cannot see that emigrating to Canada will be affected by your IVA - indeed I have two clients who have just emigrated to Canada and they seem to be doing OK.
I did not go with the first company I took advice from as things didn't feel right, take advice from another firm and make sure you explore all options before making a decision.
Good Luck
PS - Melanie Giles is fab and I would not hesitate to recommend her x
Be positive & look after yourself, there are more important things in life than debts....
Hey Guys thanks so far, please the more info the better and the more people can help with info or experiences the more comfortable I will feel, Melanie seems to be getting great reviews, I just want to make sure that I et the best advice possible
I have to agree with other posters and recommend Melanie.There are
lots of forum members with Mel's team for their IVA and the service they have recieved has been fantastic.
I am not with Melanies team as i didnt find this forum until after my proposal had been drafted. But i wish i had found it sooner as i had had lots of help and advise from melanie and other proffesional on this site, a lot more helpful than my company to be honest.So i echo what other people have daid about Melanies team really.
Why don't you visit www.iva.com and see reviews on other practitioners - then speak to 2 or 3. Intermediaries sometimes give a dispationate view - but not always- go direct to an IP - ask the questions then make your decision. All IP's are mandated to give appropriate advice. Sometimes it does differ.
Last edited by David Mond on Tue Nov 04, 2008 11:28 pm, edited 1 time in total.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
I don't think it would affect it at all. Although you pay for the insurance by instalments (if that is what you choose to do), this is not seen as credit - as your failure to pay one instalment would effectively void the insurance cover.
Perhaps John Tegg, as an insurance expert, could help here?
Your car insurance is an ongoing expense. Your creditors would not expect you to have the money to pay for a whole year's insurance in one go and so it is normally possible for you to pay for it monthly. The same would be said of utility bills and household and contents insurance.
A clause should be written into your proposals to accommodate this form of credit.
Kind regards, Elizabeth Pywowarczuk, Insolvency Practitioner.
If you would like me to advise you about an IVA and if appropriate propose one for you, please visit my website at www.liberta.uk.com
