Thanks for the response - I can only speak for myself (and I'm not with Cleardebt) which is that I dislike being seen as a sales opportunity however well meaning the intent is.
I totally accept what you have stated about Cleardebt but you will see from other discussions on this board that there seems to be an increasing change in terms of the sales culture of some firms.
The less contact that I have with my IP the better and that is nothing personal - it is simply that the relationship is a necessary evil which at times leads to a lot of stress.
Like a lot of people I've spent time and effort stablising income and expenditure and at times making compromise decisions based on the fact that I do not have a lot of disposable money (which is the way that it should be).
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.
Foggy's reply was posted first and I totally echo what has been said in terms of being helpful and forthcoming.
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.
We operate the same way as David and for further clarification I attach below the relevant sections from the code of ethics.
400.60 During an insolvency appointment, accepting referral fees or commissions represents a significant threat to objectivity. Such fees or commissions should not therefore be accepted other than where to do so is for the benefit of the insolvent estate.
400.61 If such fees or commissions are accepted they should only be accepted for the benefit of the estate; not for the benefit of the Insolvency practitioner or the practice. - See more at: http://www.icaew.com/en/members/regulat ... QWAym.dpuf
As I have said before, we were with Cleardebt and I found them to be really professional, helpful and genuine. We were never offered a chance to save money, but I would have done if I could. Personally, I stayed away from comparing utilities as I was worried that I would fail a credit check if they did one. If I could have saved a little and returned more to creditors I would have thought that was great.
As long as it is done with consent like David says, I do not see an issue.
In addition, if the decent companies can take extra monies from increased payments whilst saving people money, good. Better that than increasing fees to 23% in my opinion.
It's like having a good accountant - worth their weight in gold.
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.
As a happy cleardebt customer, i can confirm what Mr Mond has said. I actually got a call around a year ago when they asked me if I had looked at switching utility providers to perhaps give me some extra contingency in my payments.
I just said I was not interested. That was it, no hard sell or pushy nature.
