Who are swift financial solutions, are they any good and what connection do they have with Harrington Brooks? Can I just go to Harrington Brooks direct? Why are they asking for a fact finding payment? Is this necessary?
I have just searched for Swift financial solutions and they seem to offer loans etc. If they are charging you a fee you may want to seek advice from a company that will not charge you for your 1st inital call.
None of the companies on IVA.co.uk will charge you for inital advice
PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
I agree with Kelly. If this firm are not actually insolvency practitioners there is little they can do with the 'facts'. Go direct to an IP firm and pay nothing until your IVA is approved.
I had swift trying to charge me the £375 fact finding fee . Asked for a reimbursement of the £145 I've paid so far as I have now gone with Knightsbridge
I know this post is a little old but seems very relevant to the experience I have had, they greatly inflated my expenditure and adjusted my living circumstances to fit the claim, upon closer inspection of the documentation, they list the first payment of 501£ which just so happens to be the same amount as the IVA, but this is a finders fee....and will not pay anything off my IVA at all!
I have mailed them telling them I wish to use the "14 days right to cancel" and that I will not be paying them the £501 finders fee, I will of course be ringing them in the morning to check this has been done.
I would be extremely weary of this company, and fully read everything they send you or ask you to sign.
You are right to withdraw ... no one should be paying a fee like this. There are IVA companues out there that will not charge until the iva has been approved and then their fees are imcluded within the agreement. Don't be forced into something.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Amazing - they say also nothing about what they actually do on their web site.
Avoid like the plague.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Some basic checks on the internet do not give me a great deal of confidence, and as the others have said, if an IVA is right for you then there is no need to make any payments other than those agreed between debtor and creditors at creditors meeting i.e. do not pay in advance.
Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
Sometimes someone picks up on an old post and then brings it forward because it has relevance to what they want to say.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Thanks for the replies, I did indeed cancel successfully the following morning and also complained to the head of compliance.
Additionally I then decided to deal with my creditors myself and am pleased to report with a phone call to my 2 largest creditors (Lloyds and Barclaycard) that I was able to negotiate freezing interest and charges and reducing payments to almost 0 with both, so have in fact avoided the need to progress with an IVA at all.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
