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> Find out more about consumer debt expert Andy Davie |
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Andy Davie, Debt Consultant |
• Qualified Senior Debt Consultant
• Shortlisted for Debt Counsellor of the year 2010 at the Credit Today Awards
• Published a book "Real life IVA stories"
• Interviewed senior debt industry professionals for IVA TV.
Andy is the site manager and spokesperson for the leading website IVA.co.uk. He has met and interviewed many leading figures from the insolvency industry as well as regularly hosting events for people in debt around the country.
Andy has recently published a book titled "Real life IVA stories" and has also appeared on BBC News to talk about debt.
Personal statement from Andy:
‘Having experienced first hand the effects that debt can have on both the individual and their families I know only too well how difficult it can be to break the cycle of increasing debt. I also realise that taking the first step to finding a solution can also be the hardest. I have a genuine desire to help people who are in debt and for them to realise that they are not alone’
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Feedback from Thomas Emmett on
20 January 2012:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Well our IVA was approved earlier this week, and what a relief. Andy was very easy to talk to, and reassuring that there was a solution. Now just 4 months later we have peace of mind, no more hassling from creditors and knowing that in 5 years time we will be debt free with a fresh start.
The hardest part was picking up the phone, after taking that first step its been really quite easy.
I 100% reccommend Andy!
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Feedback from Ian B on
19 January 2012:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Sorry it has taken so long to get in touch. Your information was brilliant in helping me in what to do next. I have closed down an endowment policy releasing 31K and used that to reduce the debt burden. Your advice made it clear that this was the correct thing to do and not default.
I have now restructured the rest of the mortgage payments to ensure the endowment money gap is in place before the mortgage period ends.
As life would have it, I have been offered a job with a wealth company, which is a significant pay rise. Extra 50K a year, which I would have be excluded from if I had CCJs or default payments.
You gave practical straightforward advise that was essential in my coming to terms with what to do
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Feedback from Anita Ide on
03 January 2012:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I would just like to say thank you for the excellent service we received. Without Andy & Vincent Bond and the I.P Practionar we would not be on our way to being debt free. I cannot fault the advice and speed at which they dealt with our IVA.
Thanks again for pointing us in the right direction.
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Feedback from Andrew on
23 December 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy was fantastic and gave me succinct and accurate advice - my IVA was accepted today and it is such a relief in time for the Christmas period. Definitely reccommend!
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Feedback from Jaz on
15 December 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I first contacted Andy around 5 weeks ago when i put pen to paper and realized my finances were out of control and i needed help.I came across Vincent bond website and contacted Andy.Andy was the most supportive in listening to my financial issues and concerns.He gave me incredible support throughout the whole process and came up with a solution which will enable me to be in control of my finances in a relative short period.I was really impressed with the speed at which the process has taken.Thanks Andy for being there for me in every step of the way.Thanks to your team especially Leigh Nixon to get the paper work through so quickly.I would highly recommend Vincent Bond to anyone who needs help financially.I can now enjoy my life without any more stresses with my family and have a fantastic start to a New year.Thanks again Andy.
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Feedback from Carolyn on
09 December 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Making that first step towards a debt solution was the hardest part when we realised that our debt was truly out of control. From the first call Andy Davie put us at ease and reassured us that there was a debt solution for us. His calm and professional manner, level of expertise and overall advice has meant that we can now face a certain future when we will ultimately be completely debt free. We had struggled with debt for more than 10 years so the relief at finding a solution is unimaginable. I would not hesitate in recommending both Andy and Vincent Bond to anybody who is struggling with the burden of debt.
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Feedback from David Tarry on
30 November 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
You probably don’t even recall speaking to us back in February 2010, but at the time you advised us to consider a ‘full and final IVA’ solution via Sue Clay of JonesGiles Ltd. After a lot of coming and going, none of which were caused by Sue or JonesGiles, the IVA has just finally been completed with funds distributed to creditors and we just wanted to say ‘thank you’.Actually those two words on their own don’t seem enough, because your help, advice and guidance were quite possibly some of the most important assistance we’ve ever received and we will be always eternally grateful for your understanding & support.May we also wish you all the very best with your business moving forward Andy, and again, thank you for everything.
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Feedback from Justin on
28 November 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I tried many companies before finding Andy at random on the Internet one night - if only I had found him sooner. I cannot fault the service i have received, the advice I have been given and the understanding that I have received. I havent been judged at all by my situation, and since sending that initial e-mail and getting my IVA approved today, I feel like a huge weight has been lifted from my shoulders and I can start living again rather than living in the shadows of my past. I am so grateful thank you !! I would not hesitate in recommending these services to others.
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Feedback from Julie on
04 November 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
From the moment I contacted Andy he made me feel at ease and reassured me no problem was to big to deal with. He was professional in his manner and even though he deals with many peopleI never felt one of many people. I would recommend his services to any one who is in debt as a first starting point. I can not thank Andy and Vincent Bond enough for starting me on the road to my IVA.
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Feedback from Sarah & Vince on
19 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
One of the most important calls we ever made was to Vincent Bond. As soon as we heard Andy's voice at the other end of the phone he made us feel at ease immediately and not at all ashamed. He was very professional, positive and very sincere and his positive and encouraging attitude made us feel extremely comfortable. Karrie was wonderful and had a very bubbly attitute and never complained about the numerous times we called the office for regular updates and was a real pleasure to speak to. The IVA has changed our lives incredibly for the better as peace of mind for us is the most important necessity in life when you know that there is "light at the end of the tunnel" and in a few years time be debt free!!!!! We are absolutely over the moon. Once again we can't thank Andy and Karrie enough for their excellent team effort and compassion & understanding in dealing with a very delicate situation and would not hesitate in recommending anyone in our situation to simply pick up the phone to change their lives for the better.
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Feedback from Peter Keen on
18 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
A big thanks to Andy and Karrie for helping me start off my IVA process. I was so scared to take out an IVA and was going to carrying on struggling with my creditors until Andy answered my call to get my life and finances back on track. Highly recommended if you ever find yourself struggling. The IVA route is not as bad as it sounds. And make sure you contact Andy and his team.
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Feedback from B&P McLean on
15 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy was very helpful and informative and any questions I had he answered whether it was by email or by text and he always replied very quickly. Great service and sorted all the problems along the way.
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Feedback from K.Le on
15 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Thank you for the advice on my IVA. It is really appreciated because I had already taken my IVA out with another company as I had some concerns about the clauses regarding remortgaging in the 4th year. It really put my mind at rest to get advice from someone who actually knows what they are talking about. Thanks again.
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Feedback from Liz on
12 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Hi Andy,
You will not remember but some time ago I contactd yourself regarding my debt situation. You gave me a huge amount of your time to discuss my situation and
eventually we agreed it was best if I stick with my high payments as my loans were due to finish in less than two years.
I have recently won a PPI calim which hasignificantly reduce my debt and has allowed me to actually start my life again. I have worked out that by April
next year my wages will once again be my own!
I just wanted to thank you for the time that you gave me - having you wages swallowed by credit payments is draining and depressing. It was so nice to
talk to someone who understood and could offer some real advice without trying to take advantage of my situation by selling me an ineffective solution.
Thanks again and all the best.
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Feedback from Gary Prescott on
12 October 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I could not fault in any way the service received by Andy Davie. My questions were answered immediately on each occasion and I was never kept waiting for a response. The whole process was made easy and I was supported each step of the way until my IVA was approved. I would, without hesitation, recommend the services of Andy to anybody who is struggling with debt.
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Feedback from Gavin Salt on
13 September 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Thanks to everyone at Vincent Bond who I spoke to. Andy Davie was fantastic, made everything seem easy and straight forward. This really is a hassle free service and they explain everything in laymans terms.
Cambridge McDuffy were also fantastic and very efficient. From start to finish the whole process took about 6 weeks and my IVA is now in place.
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Feedback from stephanie on
03 August 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Service was excellent from start to finish, it was great being able to contact Andy out of office hours via email. I would definitely recommend.
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Feedback from Karen on
29 July 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
you provided a discreet and professional service. Always there to support me during a very scary and anxious time. I Dont think i could have managed without it. Really pleased iva accepted. Thankyou so much dont change anything you helped change my life i can now see a better future. Thanks for passing me to liberta cant thank you all enough
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Feedback from Marc and Hayley on
12 July 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
A big thank you to Andy and his team for all your advice and help. From the very first phone call to Andy, his non judgmental positive friendly attitude made us feel at ease and there was finally light at the end of the tunnel, he went through all our possible options and we decided an IVA would be the best option. I can’t thank Andy, Indra and Karry enough for all their hard work put into our case. Our IVA was approved yesterday, thank you so much for making this possible.
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Feedback from Blessen on
01 July 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
From the first day I spoke with you about my financial debt, you re-assured that it will be taken care off. You were not only professional in the manner you handled my case, you were also pernonal and showed high level of understanding. That took a ton load of weight off my shoulder. I wish I could have given you 11 rating but 10 is the maximum. Thank you so much.
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Feedback from Karen & David Hughes on
08 June 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy contacted me after I made a call to the bankruptcy helpline. At that time we really didnt know which way to turn. We have already had a failed IVA and were in a DMP which was going on and on and had no end, we were also still receiving nasty letters from creditors and CCJ threats. I was previously told that I could not take out another IVA as I could not afford it. This all changed after I spoke with Andy. He went over all the options with me and assured me that we could get an IVA with the money we had available. This was all only about 6 weeks ago. Our IVA was approved on Friday and we are over the moon that in 5 years we are DEBT FREE!!! I also have to mention Caroline, Jonathan and Rosie at McCambridge Duffy who were amazing and fought our corner all the way with a very pleasing result.
I have to say that you have all changed our lives and we can now sleep at night and know when the phone rings I can now pick it up without breaking into a sweat!!
THANKS SO MUCH .........
Karen and David Hughes
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Feedback from Vignal on
01 June 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Excellent A* service from Andy Davie. No problems whatsoever. I would recommend to anyone as a first port of call who is having financial problems. My IVA was approved and Andy was the first person who made me realise there was a route out of my debt hell. Thanks to Andy and Karrie who also assisted on my case.
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Feedback from Grant on
01 June 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Heading: Professional, friendly, honest
Contents: It’s very difficult to describe how freighting it is when you are submerged in debt. I have been on a DMP with CCCS for the past 2 years. On my last CCCS statement my overall debt amount had raised, I now owed more money than when I started – this was very unnerving as the changes to my lifestyle were enormous and now for the first time there was no hope or light at the end of the tunnel.
I first looked at an IVA after hearing a brief description of the structure on a news broadcast. Vincent Bond was suggested as a preferred agent. I did a lot of homework including going back to the CCCS, who now offered me a more suitable solution, an IVA, my day with the CCCS had come and gone.
The process, introduction and financial discussions including where we go from here were explained in a calm and reassuring manner. Andy was friendly and spoke from experience. Following me issuing the financial documentation the process went sooth. I think in my case all my ducks were in a row given my years with CCCS, however I would not hesitate to recommend Vincent Bond.
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Feedback from Jason Downing on
12 May 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy,
Just a few words to say thanks for everything you and your team have done for us. From the very first phone call you have put us at ease and made us realise that there is a way out of debt, a way back. now we will be debt free in 5 years. What a result.
Thanks again.
Jason Downing
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Feedback from Brian on
10 May 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Thank you so much Andy. ..... You have no idea
What it means or how it feels. To be out the other end all
The questions You always had the answers. Would recommend
Without a doubt.
Thank you so much.
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Feedback from Dave Radcliffe on
10 May 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Dear Andy,
I would just like to thank you for all your help,your service andthe way you dealt with everything has been fantastic. My life is looking a whole lot rosier,not having the worry and stress hanging over me.
I will happily recomend VB to anyone who asks.
Thanks Again,
Dave Radcliffe
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Feedback from John Whatling on
27 April 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I can find nothing that needs to be altered you handled my case with care and sensitivity,
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Feedback from Paul & Melanie Mercer on
10 April 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Dear Andy & Team.
Both Melanie and I would like to say a big thank you for all of your help in arranging our IVA.From the first time we made contact with yourselves you reassured us and made us feel that we could have an affordable managable arrangement. Both Mel and I have had a bad experience with our first IVA and then the DMP which was going nowhere. The good thing we would say about Andy is his strong communication skills.It was comforting to know everytime you spoke with Andy it was as if you were his only customer and it was very personal.The speed and efficently outstripes anything that is avalable in the industry. We have two young children who will be 18 and 17 when the plan ends. We will be debt free and we will never forget what Andy and Leigh did for us and our family.
Thank you so much, and we would recommend VB to anyone who needs a very professional and reassuring service at a time when people are most vulnerable financally
Paul and Melanie Mercer
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Feedback from Ian on
01 April 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I'm not sure if you remember me but you gave me a great deal of help and advice just over 18 months ago regarding my debt issues.
You set me up on a DMP and then a year ago advised me to go for an IVA through.This was all accepted and now, 12 months later, i have been able to settle early with the help of my family. I know feel that i have my life back and i believe that this was down to yourself and Liz, and i wanted to say thank you for all of your help.
Kind regards
Ian
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Feedback from Patrick on
15 March 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Thanks for helping me at the time , i am now in the 2nd year of my trust deed with the company you recomended, glad i took your advice.
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Feedback from Jenny Ward on
08 March 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I found the service that Andy Davie gave absolutely faultless. If it wasn't for him I would never have made tracks to getting myself out of the horrendous mess I have been in. I just wish I had contacted him sooner. My advice is don't delay in discussing your case with him, he gives very sound advice and within minutes makes you feel a whole lot better about it.
Thanks so much again Andy, my IVA has now been approved and I have now been having the best night's sleep I have had in years.
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Feedback from martin fisher on
03 March 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Quick grasp of a complicated situation. Read, respond, absorb and suggest in a few minutes......certainly was impressive. Gave me hope of a solution to a legal impasse....in the future.
Which I hope may follow.
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Feedback from Graeme Webster on
20 February 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
It was Andy who i first got in touch with and guided me through my options. On a Sunday night approaching midnight he was still helping me. This man is a star
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Feedback from Jacqui H on
02 February 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
After worrying for so long about our increasing debt problems, speaking to Andy gave me great confidence that our situation could be resolved. Andy is very professional and non judgemental - he quickly puts you at ease while providing excellent debt advice. He recommended the best way for us to deal with our debt and paved the way for our introduction to a highly respected Insolvency Practioner. We have now recently had our IVA approved and have started on the path to becoming debt free. Thank you so much Andy - you provide a very valuable and professional service and I would not hesitate to recommend you to anyone struggling with debt.
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Feedback from Andy P on
19 January 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
One phone conversation with Andy was all it took to lift my spirits and convince me that an IVA was the only way forward. Extremely helpful, understanding and non-judgemental. Cheers Andy, and all at Vincent Bond!
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Feedback from Paul mercer on
12 January 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy has given both my wife and I peace of mind as we prepare to arrange our second IVA. Andy has been available at all times to answer any questions we have had.Thank you so much
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Feedback from mark p on
10 January 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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5 out of 10 |
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Personal Message:
After months and months of worry speaking to you lifted a huge weight off my shoulders.I know its a long road ahead and only first steps have been taken but at last i feel am back in control and know tonight will be the best night sleep i have had in along time. thankyou for your assistance
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Feedback from duncan carey on
08 January 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Very understaning and helpful
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Feedback from drew on
08 January 2011:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
A very helpful guy,i chatted to Andy on the instant msg on here,he made things very clear in just a few sentences.very professional.Many thanks Andy
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Feedback from Clare Baron on
30 December 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I cannot thank yourself and Leigh enough for initially helping me with my DMP and then assisting me with moving forward for an IVA. You made a very embarrassing issue very easy to deal with and I can't sing your praises highly enough. If I come across anyone who would benefit from your services I will most definitely recommend you! Thanks again!
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Feedback from Hana on
21 December 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Thank you Andy! I was so woried to go ahead with the IVA as over 90% of my debt is with one creditor and all the other debt solving companies told me that I can not go for the IVA.
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Feedback from Katie on
08 December 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
Andy was fantastic when he rang me. He never gave up trying to get in touch with myself. He put me at ease and didnt make me feel bad for putting my head in the sand. He has helped me face the debt head on. Thank you so much.
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Feedback from Pat on
08 December 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I picked up the phone to contact Andy Davie but I was so ashamed of the debt I had got myself into, that I put the phone down. The next thing was my phone rang and Andy Davie was on the other end, he explained who he was what had happened to him and put he put me at ease. We then discussed my debt problem he explained the different options open to me, and the best way forward for me was an IVA.
My IVA was approved on the 2nd December and I am now able to manage my finances sensibly for the first time in years, which feels great. I no longer have sleepless nights and this is thanks to a man who took the time to call me, then explain things in such a simple way that I could understand them.
I would also like to thank Karrie Coumbe at Vincent Bond who helped me along with Andy. They were so efficient, helpful and kind, and with their help I have now got my life back on track.
Thank you so much.
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Feedback from Bev on
03 December 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
I had been in a DMP with another company for 24 months prior to contacting Andy Davie and because of the problems I was experiencing (financial as well as health, I decided that enough was enough. The DMP was not working.
I contacted Andy after reading brilliant reviews on the forum.
Andy was really helpful. He certainly knows his job and he put my mind at rest. After discussing all available options, I decided that the f&f IVA would be best for me. Today - my IVA was approved by all but one of my creditors, so an overwhelming 90.7% acceptance.
I'm so relieve! I can't thank Andy and Karrie Coumbe enough for the work they put into making my IVA possible.
Andy and Karrie, you are both a credit to Vincent Bond!
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Feedback from Peter Fawcett on
29 November 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
It had gotten to the point where I was living on credit so much that it had finally ran out.
I searched high and low on the internet regarding debt help and came across VB.
Andy was my contact within the company and was unbelievably helpful in every way.
He explained fully what my options were, what VB would do for me and how the IVA would pan out.
I cannot recommend VB and Andy enough. A great weight has been lifted off my shoulders. Rather than paying £600-700 per month on my debt, I am now paying only £180 for 60 months, after which I will be debt free.
I finally have my life back thanks to VB and Andy Davie.
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Feedback from Pete Nelson on
19 November 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
a bit of a delay getting round to this but i found Andy very helpful and understanding put me at ease and pointed me in the correct direction
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Feedback from karen wells on
11 November 2010:
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Ratings: |
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Communication:
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10 out of 10 |
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Debt Expertise:
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10 out of 10 |
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Speed of Response:
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10 out of 10 |
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Overall Performance:
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10 out of 10 |
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Personal Message:
After talking with Andy this morning l feel l didn't thank him enough for the help advice and reassurance that he gave. l am now positively looking forward to the future and am no longer burying my head in the sand hoping things will just go away . Thankyou Andy for everything
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Feedback from Simon Green on
10 November 2010:
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