I have gone though gopher money to get an IVA

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G.64

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Post by G.64 » Fri Jul 15, 2016 11:33 am
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
 
 

kallis3

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Post by kallis3 » Fri Jul 15, 2016 11:47 am
Hi and welcome

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
 
 

Lisa Thomas

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Post by Lisa Thomas » Fri Jul 15, 2016 12:49 pm
Is the meeting set for the 3rd?

If so then that will be why you won't know until then as creditors can vote up to and during the meeting.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

kallis3

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Post by kallis3 » Fri Jul 15, 2016 1:10 pm
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
 
 

Foggy

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Post by Foggy » Fri Jul 15, 2016 1:32 pm
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
 
 

kallis3

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Post by kallis3 » Fri Jul 15, 2016 1:51 pm
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
 
 

G.64

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Post by G.64 » Sun Jul 17, 2016 6:34 pm
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

Thank u for all your help
 
 

Foggy

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Post by Foggy » Sun Jul 17, 2016 7:13 pm
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
 
 

kallis3

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Post by kallis3 » Sun Jul 17, 2016 7:15 pm
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
 
 

G.64

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Post by G.64 » Sun Jul 17, 2016 8:01 pm
Do you know what it means when on the fca page it says under staus lapesed ?

Thank you I will also look at thoese you have mentioned
 
 

G.64

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Post by G.64 » Sun Jul 17, 2016 8:05 pm
I have signed a letter of authority can I still pull out?
 
 

kallis3

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Post by kallis3 » Sun Jul 17, 2016 8:10 pm
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
 
 

Foggy

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Post by Foggy » Sun Jul 17, 2016 8:12 pm
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
 
 

G.64

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Post by G.64 » Sun Jul 17, 2016 8:19 pm
Right so I shouldn't go with the person who's fca has lapsed? And don't go with gopher cuz of the up ring fees.

Help!!! I've already stoped paying my debits I. There advice so need to find some one that can start my case asap. Does any have links
Please
 
 

Foggy

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Post by Foggy » Sun Jul 17, 2016 8:42 pm
For Vincent Bond click at the top of the page, for McCambridge Duffy look here:

http://www.iva.co.uk/forum/pop_profile. ... ay&id=8021
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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