Hi
I wonder why an IVA was not advised. It may be that her equity is more than her unsecured debts ?
She could move to an IVA now if that is the best solution for her
Regards
My experience with CCCS is that they give all options - in my case a DMP would take 26 years. They then VERY carefully explain the BR and IVA option and it is ALWAYS the individual concerned who make the final decision. In my case an IVA was obvious. I suggest (Choice 1), that your client 'forgot' the various conversation's they will have had with CCCS and the options given and the several letters they then send pointing out all the options and at every stage an opportunity to change your mind. For me they were brilliant and I cannot recommend them highly enough. A charity that does not take any upfront fees and are always polie, professinal and available.
I started off with CCCS and I must say their advice to me was 'spot on', they provided me with a comprehensive personal 'debt remedy', they advised that the best solution for me was an IVA but they did offer a DMP as an alternative solution which in my case would have taken 14 years and 2 months to pay back, I was advised this was not an ideal solution unless I was in a position to increase my payments in the future to reduce the repayment terms.
At the end of the 'debt remedy' was the option IVA (recommended solution) or DMP (alternative solution), I opted for the IVA and was contacted within 7 days by Grant Thornton, the rest is history I am almost half way through an IVA and I cannot fault the service given by Grant Thornton, I know they get some bad publicity on the Forum at times but, 'speak as you find' up to now they have been great.
I do think the CCCS expenses guidelines are ridiculously low (that's a seperate argument) but as far as advice and aftercare service goes CCCS and Grant Thornton are A+
IVA COMPLETED ON THE 17th MARCH, FINAL I&E COMPLETED 26th APRIL, COMPLETION CERTIFICATE ARRIVED 2nd AUGUST
When I finally accepted I had a problem with debt, the CAB put me in touch with CCCS, they were completely helpful from beginning to end, they explained about IVA's, BR and DMP's, they advised for an IVA but did say that if it wasn't accepted an DMP was available, I like northumbrian69 was conatcted by Grant Thornton very quickly and after a couple of meetings with them were happy with what they were offering for my IVA, it was approved back in Feb 06, I have nothing but good things to say about my treatment form both CCCS and Grant Thornton also, as northumbrian69 say's it is ultimatly an individual decision with what debt plan you go with, but I found CCCs did go through all the options with me, and I'm eternally grateful as they helped me when I was at my very lowest.
Full & Final accepted, last payment is due on the 31st July 2009
So why doesn't she change to an IVA now - and more importantly, why haven't CCCS suggested that to her? There may be good reasons for this, so be sure to find out all of the facts first.
