FAO Melanie Giles

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Adam Davies

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Post by Adam Davies » Tue Nov 16, 2010 11:32 pm
Hi
Melanie has asked me to unlock this so that she can respond
Regards
Andam Davies
 
 

Beans on Toast

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Post by Beans on Toast » Tue Nov 16, 2010 11:52 pm
The fact that Melanie hasn't responded up to now shows how much of a professional she really is. As many others have said, the advice she gives freely is in the main, to people already in IVA's with other IP's.

Everyone is entitled to their opinion, but you need to back up accusations with solid evidence, read some of the posts and you can see how genuine her advice is, then make your decision.

She is a very good friend to a lot of people on this forum and a respected expert, so enough with the wind ups please!
IVA completed April 2013
 
 

MelanieGiles

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Post by MelanieGiles » Wed Nov 17, 2010 12:01 am
Thank you Andy - I did spot the post earlier, but by the time I got round to responding it had disappeared.

To Cynical:-

You appear to assume much of my relationship with this forum and motivation to post, and of course I completely respect your opinion as I do of all posters on here - both those who work in the profession, and those who are perhaps more qualified to comment - those people who have suffered or are continuing to suffer from financial difficulties.

In my professional life, I engage much with a variety of media, regularly speak at professional and public conferences and am asked to partake in industry and government initiatives to better our profession which I am proud to be part of. You may deem this to be direct marketing, or even terms as tacky as "touting for business". I prefer to call it my desire to give something back to a profession which has given me so much over a long period of time - both in personal career development and knowledge of the debt arena affecting both personal and corporate insolvency cases.

Given that I assume you to work in this profession, perhaps and most likely for one of the firms who also engage in the provision of personal insolvency services, you will be well versed in the practices of how firms receive their work, which come from a variety of sources including direct lead purchase, direct advertising and referrals from intermediaries. My work comes from a number of sources, but does not include the first two - apart from my usual Yellow Pages ad.

You mention several times in your posts that you are concerned about advice being provided on this forum not being impartial. I simply do not understand what you mean by this, and to be frank I find it pretty insulting. Making such bold statements, and hiding behind a pseudonym, makes me question your credibility. I have never touted for business on this forum, and at times if my posts appear to be doing so I can assure you that I have had the occasional slap on the knuckles from Andy and the Admin team, as I assume that other professionals have.

The IVA cases that come to my firm as a result of my posting are miniscule, compared to the amount of time I spend in my own time posting to assist others - with over 75% of forum posts these days from people already in IVAs, providing absolutely no opportunity to market directly. If I was going to use this forum as a marketing tool, I would have given up a long time ago, and certainly would not be spending my evenings or weekends at the laptop!

Assuming you are in the same profession as me, perhaps at a senior level, you will know about current transparency required by the OFT with regard to the dislosure of work sources by IP practices and debt management companies alike. There are some aspects of this which are necessary, and some which may not be so needed, but it certainly will make interesting reading as some firms are required to show their colours.

Should you wish to reveal your real identity on the forum in order that we can all learn a little more about your motivation, then I will be delighted to engage with you further. You may prefer to take this off-line and e-mail me directly in which case our discussions can continue.

Finally, can I thank all of the other contributors to this post - especially my fellow professionals, some of whom I have had many a long chat about the spirit of this forum, and one which we will fiercely preserve well into the future.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Skint Neil

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Post by Skint Neil » Wed Nov 17, 2010 7:50 am
I am the origional poster and after reading Melanie's advice on other threads, in my opinion she was the person I wanted to approach for advice, she has not touted for business in any way, I NEEDED ADVICE.
All I can say to Synical is stop being so synical
Melanie thanks for everything and I will be in touch soon
Last edited by Skint Neil on Wed Nov 17, 2010 7:51 am, edited 1 time in total.
 
 

size5

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Post by size5 » Wed Nov 17, 2010 9:42 am
I have just come across this thread. Melanie certainly does not need me to vouch for her integrity, nor her motivation, although I am more than happy to do so, I can honestly say that in my view she stands as an inspiration to us all on this forum.

However, I will directly agree with the point she makes about "returns" from our professional postings. As someone who posts as a forum expert, albeit with my efforts being put to shame by many, direct enquiries that I take as a result of this forum are very few. That does somewhat miss the point though. The question I would ask cynical is what is his or her alternative? Have no professionals on here to help at all? Just one chosen professional? Perhaps he or she would prefer professionals to post anonymously? Or would he or she rather have a number of people posting to try and help?

No professionals would be disastrous both for the future of the forum and the individuals who post on here with very genuine concerns. Perhaps we should walk away and leave them with no help or reassurance at all? One chosen professional? That could certainly be viewed in the light of his original point so that is no use. Professionals posting anonymously? I started on this forum anonymously and was happy to do so, still would be in fact. However, I was asked to post professionally by the forum, which in itself belies the insinuation that it is a "closed shop" for a chosen few. The problem with that though is that people would have no accountability for the advice/help given and how could they be sure that they had been addressed by a professional? That doesn't work really does it? A number of people to help and advise? That is what we have now and, for me at least, it works on many levels. Long may it continue, the forum isn't broke so I see no need to fix it.

Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself

Follow my tweets at http://twitter.com/debtmastersize5
 
 

Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Wed Nov 17, 2010 10:10 am
Can I just echo what Size5 has said. I started posting on this forum over a year ago and whilst i spend alot of time helping our own clients on here, i do try to provide advice to people with other IPs / companies. Why do we do this? Quite simple, it is to help one and other. Nothing more and nothing less. This forum is very unique and its value lies in the integrity and honesty that experts and posters alike share. You dont find may forums like this in other industries and we should all be proud of the work we do here.

I've read many of Melanie’s posts and had the pleasure of meeting her not too long ago (and will hopefully be cashing in on a rugby bet soon!) and I can whole heartily confirm that she is a professional with a desire to help people and to quote her own words "to give something back". Without people like her, Andy Davie, Michael Peoples, Size5, Liam James, Andrew, Helen, Jan and so on this forum would be a much poorer place.

Thanks
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
 
 

djgriffiths

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Post by djgriffiths » Wed Nov 17, 2010 10:19 am
Having viewed this forum for a while, and now actively decided to post the only constructive comments I have are:

1. On the terms and conditions, it does say that the firms posting on the forum may (I emphasize this word) receive a fee for work referred - even if this has not happened by implication the forum is therefore open to attack by posters like "cynical" who only view the hours of work put in by professional as a way of generating fees, and not in a kind gesture.

2. I believe that there needs to be a clearer distinction between a qualified professional like Melanie, and an expert to avoid even the slightest confusion. Melanie is as far as I know the only IP who regularly posts on here, (although I did see a "re-registered" the other day who was an IP who wanted to post). I myself am a qualified personal insolvency practitioner and am going to write to Andy to hopefully become an expert. Whilst I do not question the other forum experts knowledge, I am assuming that they are managers, debt advisers in firms and do not hold any formal qualification? If they do I stand corrected and apologize. As I said I do not devalue your opinion, I just take an objective view that this may cause confusion.

3. For a possible site improvement going forward, it may be easier to split down the queries raised into two categories, general queries where no case specific advice is given, and specific queries when facts and figures are involved. My advice in any case specific queries would be always to first speak to your own IP and then if you are unsure of the answer, or have reason to question it, then use the forum.
 
 

size5

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Post by size5 » Wed Nov 17, 2010 10:28 am
For the record, I am not an IP like Mel, or djg above, but I do hold a formal qualification, Cert DR, and believe that I was the first in the industry to pass it, although I do stand to be corrected on that. Not up there with the first man on the moon I grant you, but I am secretly really quite chuffed with it.

There IS a distinction here already, Mel is the only one that holds IP status, and previously David Mond and Ian Millington amongst others from a while ago. Notwithstanding that though, there is no substitute for experience and life skills, and I am sure that all my colleagues and friends on here who post as experts have a wealth of knowledge and experience that they are happy to share and pass on, regardless of formal qualification.

Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself

Follow my tweets at http://twitter.com/debtmastersize5
 
 

Adam Davies

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Post by Adam Davies » Wed Nov 17, 2010 10:29 am
Hi
Melanie is the only IP regularly posting and this is identified on her title next to her picture.
The other experts are a mixture of insolvency professionals and people that have direct experience of debt.

It is always best to speak with your own IP in the first instance but as we all know, and much of the reason for this forum, is that many people can't ever speak with their IP and never get past the front line staff of the company concerned.
Regards
Andam Davies
 
 

djgriffiths

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Post by djgriffiths » Wed Nov 17, 2010 10:33 am
Andy, what is your email address so I can write to you offline about becoming an IP on the forum. Will you need me to send copies of my qualifications?
 
 

Michael Peoples

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Post by Michael Peoples » Wed Nov 17, 2010 10:34 am
djgriffiths.

I am not an IP but I have worked in personal insolvency for 12 years and previously worked for HMRC and in financial services. I have never professed to being an IP but I am sure that I, like my fellow posters, have more experience of IVAs that the majority of IPs put together.

This is an IVA site and forum. The bulk of work that IPs do is corporate and most do very little or no IVA work. It is a little insulting to say that because we did not not sit the JIEB, we know less about IVAs that someone who has passed the exam but never even read an IVA.

This forum is dedicated to one small part of insolvency and that is the part we are so called 'experts' on. If you think that having a load of IPs on here would improve matters rather than the experienced IVA staff who post, I feel you are completely wrong. If you think that our advice is any less 'worthy' than yours because you hold a licence that is arrogant and condescending.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

djgriffiths

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Post by djgriffiths » Wed Nov 17, 2010 10:41 am
Michael, I did not mean to offend and I thought my post was clear that I do not treat any advice given my experts or IP's as any different.
I am well aware that many experts probably do know more that the IP's! T
To give you my background...
I have worked in Insolvency for the last 7 years. I started as a debt advisor at DFD, and was promoted to Review Team Manager working directly with the DFD IP's ensuring that all clients got the best advice. Whilst at DFD I passed the CPI exam.
I then worked for PEM in Cambridge on a mixture of corporate and personal cases including bankruptcies.
I then returned to DFD. I then moved to Debtmatters as Insolvency Manager looking after all sides of the IVA from initial advice to closing the case.
I have then worked at Kingsgate Insolvency until October this year as Technical Review, again working closely to the IP's, signing out proposals, chairing MOC's, checking annual reports, variations, dividends etc. I have then moved to my current role. In 2009 I passed the personal paper of the JIEB.
In all I have reviewed 10,000+ proposals, and overseen 5,000+ cases.

As stated I did not mean to cause offense and I hope you accept my apology.
 
 

Michael Peoples

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Post by Michael Peoples » Wed Nov 17, 2010 10:54 am
djg.
I accept you meant no offense and perhaps I was a bit prickly. However, I do feel this site does provide a valuable service and I personally am proud of my involvement. I give advice as best as I can without fear or favour and irrespective of whether the client is pre or post IVA. The more people who post the better and the more firms on here the better for all of our clients.

Lately it seems we have been under attack from a number of directions and it is frustrating to feel that the advice we give is devalued or somewhat suspect. We will never be right all the time but our intentions are to provide a service helpful to anyone considering an IVA or those currently in one.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

djgriffiths

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Post by djgriffiths » Wed Nov 17, 2010 10:57 am
Glad you accepted my apology!
I agree, I think all the experts do a fine job. I used to work with Declan and check his work so I know how good he is!

The forum does however seem to be under attack at the moment.

As I have mentioned in previous posts I am hoping to become an IP on the forum and offer any support and help I can.
 
 

Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Wed Nov 17, 2010 11:22 am
I can vouch for DJG. He is an absolute professional and his help and support will be invaluable.
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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