iva debtline, are they trying to scam us ?

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kallis3

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Post by kallis3 » Thu Jun 23, 2011 9:01 am
It must well if they can afford to live and work from there!
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.
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lem

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Post by lem » Thu Jun 23, 2011 9:24 am
Well I haven't had any such letters as yet although I guess its early days for us, but I like to think of myself as quite clued up anyway and if I had wanted to go down the bankruptcy route, I would have, we chose IVA because my husband can't go bankrupt anyway or he would lose his job and we have a house and a car to protect, granted we have little equity at the moment but as now the OR can wait 3 years to see if your equity increases before they decide to seize your house I just wouldn't have wanted to take that risk. Plus, we would still have had to pay over all our disposable income for the next 3 years anyway.

I don't agree with the statement that as long as bankrupt assist companies are transparent with their pricing then that's fine, most people when they are in dire straits are just desperate for a lifeline, I personally know how much it costs to go bankrupt, but many people don't and would just take what someone says to them as gospel without really researching it, how is someone to know if what they are being charged is the going rate or not?, when you're desperate for a way out, people will just grab the first thing that comes along and I think some of these companies know this, at the end of the day, they are not there to help people, they are there to make money and have seen a gap in the market to do so
 
 

kallis3

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Post by kallis3 » Thu Jun 23, 2011 10:18 am
There are some reputable BR assist companies out there and a few people need help with paperwork, going to court etc. However you can find these out yourself.

I certainly would not be having anything to do with a firm who has written to me and has no idea of my circumstances but is just out to fleece me.
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
 
 

4kidsnocash

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Post by 4kidsnocash » Mon Dec 05, 2011 12:01 pm
hi, not posted for a while but we too have had one of these letters this morning in fact,
I must admit I was curious as to what they meant by we could be debt free in 6 months (very appealing) but as ever this was the first place I came to to see if there was anything about this company.

After reading all the posts and digesting what the other posters have to say me thinks the bin is the best place for these letters,

Can I just say how valuable all the posts are on here,without you guys i am sure there would be a lot of other people out there like me who would not have had a clue where to start, so a big thanks
Alas, I am dying beyond my means.
Oscar Wilde
 
 

Broke of London

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Post by Broke of London » Mon Dec 05, 2011 12:26 pm
Or you could file it next to the loo for emergencies! LOL!!
 
 

kallis3

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Post by kallis3 » Mon Dec 05, 2011 12:41 pm
These companies should be avoided at all costs - they are just out to make money from 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
 
 

plasticdaft

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Post by plasticdaft » Mon Dec 05, 2011 1:21 pm
A wise move checking what the online masses think,its rare that anything coming through the post telling you all your problems are over is even worth using for BoL's suggestion!!

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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