I have gone though gopher money to get a iva first payment due the 29th, but I'm not receiving my phone call from Harrington Brooks till the 3rd so have no idea if i have even been accepted.
Are they any good. Please help
Have you had paperwork to sign? You should have had a date for a creditor meeting.
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
If the meeting is the 3rd then your payment should not be due until either on the date or within 28 days of acceptance.
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
It is possible that they wanted the first payment on hand so you hit the ground running. Alternatively, some introducers take that "first payment" as a fee and it never gets to the IVA.
Best to check which way Gopher is going, otherwise you could find yourself missing a payment come the end of the term.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
The other thing to establish is that, if you pay the first one beforehand, if the application is rejected that the payment will be sent back to you.
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
Apparently it is a refel fee and if i fail they are going to set up a debt management which i difnt want as don't think I could afford.
Does any one know if gopher and Harrington Brooks are good company's to go with.
They both have a fca
The other company I have spoken with it says there fca has lapsed what does this mean? Would they still be a safe alternitvy. As no upfront fee untill IVA in place
The fact that they are charging YOU the referral fee is, for me, reason enough to kiss them goodbye !
Have a word with Vincent Bond, who do what Gopher will do, and pass you to one of their panel of firms for no upfront charge to you. Or speak to McCambridge Duffy who are an insolvency firm who handle their own IVAs.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Agree with Foggy - Vincent Bond are a good company so you need to check out other ones as well.
Do not pay a referral fee!
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
Yes - if you have not had a creditor meeting then you can pull out at any time and I strongly suggest that you do!
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 FCA oversee those giving financial advice and, currently, are revoking a lot of licences ( including some big players). Some are under notice and are letting their licence lapse rather than renew it. Others have just had enough of the industry as it stands.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014