Clearstart

james32_uk

Anyone ever used them for an IVA? Seem very competent on the phone. Any body had any experiences good or bad?

sanfrancisco

Do you have to pay them a fee? Ask them what % of your monthly payment will go toward debt and what % toward them? If they are cagey stay away.

Have you spoken to payplan or cccs. They are free and will not charge you a penny.

james32_uk

sanfrancisco wrote:

Do you have to pay them a fee? Ask them what % of your monthly payment will go toward debt and what % toward them? If they are cagey stay away.

Have you spoken to payplan or cccs. They are free and will not charge you a penny.

No fee until IVA has been secured. Then up to £8k :eek: to come from my monthly payments. (IVAs are always charged. CCCS dont do them and Payplan charge from £4k to £8k). Chap seemed VERY knowledgeable and says they only take on dead-cert IVA applications and have a 98% success rate.

Tried Payplan and they didnt seem to know what they were talking about.

sparkle84

There is no such thing as a dead cert IVA the proposal is made and the creditors vote it is up to them. I am would in fact be very suspicious of anyone who offered my a dead cert it isn't up to them - how much do you owe, all your surplus income will be taken in an IVA there is no flexibility at all, you will have to hand over rental agreement, payslips, they will ask for your P60 each year to check on bonuses or pay increases. I would think very carefully before signing up to one - have you read your other thread??

By the way Payplan do know what they are talking about they do a lot of IVAs through Shaws