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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 on IVAs
• Personal experience of beating debt having been through an IVA himself
• Interviewed senior IVA industry professionals on 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 Tamara Hemmett on
01 September 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:
We had our IVA agreed yesterday, The service that we received from Andy & Karen was fantastic. Right from our initial interview we had so much support, They all dealt with every enquiry very professionally, even when I rung in a panic when everything was getting on top of us, Andy was very calming and answered all my questions then talked me through what to do first. I cant thank you all enough. I would highly recommend this company to help. Especially Andy Davie & Karen Combe. Thanks Guys :-)
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Feedback from paul houghton on
27 August 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 felt andy was a great help both with any questions i had or with any advice he gave me a real top class professional whom i would recommend to anyone seeking debt solutions. He was always available by the phone and was always willing to listen.
Much appreciated Andy.
Regards paul and joanne
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Feedback from Andrea on
19 August 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 was very impressed with Andy Davie's service, he was always available to speak to or rang me back promptly. The IP he recommended was excellent despite my case being quite different from the norm and my IVA was accepted. I would not hesitate to recommend him.
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Feedback from Nick on
17 August 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 know I have picked the right company to deal with my debt, I wish I'd dealt with you sooner. Very impressed and pleased with everything at every level. Thank you so much Andy.
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Feedback from Paul Hawkins on
03 August 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:
My IVA accepted in July.will and have recomened this service to ther people. despite the legal requirements a propmt service. andy always seemed to be availble. Also the Insolvency Practioner was excellent and a very good recomendation.
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Feedback from Martin on
25 June 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:
My IVA has been accepted and I would like to thank Andy Davie and Leigh Nixon for all their help and support. In the first instance, Andy was very reassuring, efficient and gave clear unbiased advice. The high level of service then continued from Leigh Nixon.
Thank you.
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Feedback from Wayne Davies on
22 June 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:
Spoke to Andy earlier this evening about my situation as i was feeling extremely anxious about my financial situation.I was about to commit to an IVA through another company who said that i could afford a plan which on reflection blatantly couldn't. Andy made another suggestion which made far more sense. I now feel far more positive and look forward to dealing with him on my Debt Management Plan.
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Feedback from Rob Ford on
17 June 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 am now debt free hallelujah. I can highly recommend Andy and his organisation.
From my initial conversation to the final outcome, Andy and latterly the Insolvency Practitioner who handled my case were extremely helpful and more importantly, human.
I will certainly recommend you to anyone who needs debt advice.
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Feedback from David T on
03 June 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:
Professional, personable and a realistic attitude to what could be achieved and perhaps more importantly what was the right course of action based on our circumstances. A six star service!
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Feedback from Moses Mushekwa on
03 June 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 could not have found a better personalised,informative and quick service of support and understanding! Your help so far has been tremendous to me and I hope we can look to the future with hope and less stress working with you! I will not hesitate to recommend you to anyone who is in the financial difficulties.Thank you Andy!
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Feedback from Jackie B on
30 May 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 so much Andy for your online support. Even though I'm not a client you were still available via the live chat to answer all my questions late on a Sunday night - twice!!! Your calm manner and informative approach helped to bring clarity to our situation and encouragement that we were on the right road. Our IVA has now completed and we are on course for a debt free future. Thank you so much.
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Feedback from Jackie on
28 May 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:
Hi Andy, you probably won't remember but I came online late one night in January and asked you loads of questions about doing an IVA. I came on a few times after that and managed to speak to you each time with yet more questions. Well I just wanted to let you know that our IVA was accepted about 3 weeks ago. Thanks so much for all your help. You were available for us at stupidly late times on an evening and were a fantastic help each time. Very reassuring and calming. Thank you so much, we truly appreciate what you did. This is an excellent website and helped us several times. Thank you.
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Feedback from Vinny on
28 May 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:
Beleive it or not we had a bit of a win on the lottery which helped us to sort ourselves out. However, I haven't forgotten about you and should I get the opportunity, I would gladly reccomend you to anyone. You were very helpful and informative throughout.
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Feedback from Nicole on
11 May 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:
Hi Andy,
I just wanted to say thank you so much for your help. I know you dealt mainly with Nick but I think
it was really great how your advice put him at ease. I also really appreciate all the help in getting
things moving again when they kind of slowed down. I feel like a weight has been lifted and I honestly
can't thank you enough.
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Feedback from mike greenall on
30 March 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:
Hi Andy
Just like to thank you for all your help and fantastic service,from the very first phone call i felt so much better after your advice and now that my iva has been accepted the peace of mind is amazing,i cant thank you enough for everything you did for me and i would recommend you to anyone and already have mentioned it to others in financial trouble.
anyone in debt should call andy asap for help and peace of mind.
Thank you for everything Andy
Regards
Mike
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Feedback from Michael Mcgowan on
25 March 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:
When I first contacted there was no presure from him he left me to think it through brill job andy if your looking thinking should i do it talk to them and then do it you will fell better
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Feedback from Sally and Keith on
18 March 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 am not sure how we would have got through the stressful part of applying for an IVA without Andy's professional reasuring manner, because he has gone through an IVA himself, he cares about his clients and is always ready to discuss any concerns we have.
Thankyou Andy.
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Feedback from dan on
02 March 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 very helpful and very quick to answer any questions i had via email and phone. i was always kept informed. Andy made the whole process easy to understand
would highly recommend
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Feedback from Michelle Uden on
02 March 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:
Thanks Andy for your help at a very difficult time. Spoke to Andy for the first time in September, and had my IVA accepted in December.
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Feedback from Kris on
01 March 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:
Louise and I can't thank You and Vincent Bond's associates enough!
Thanks to your support, help and advise 'Liberta Financial' are looking after us very well. We are well on the way to recovery.
If I come into contact with anyone who needs advise, I will not hesitate to supply them your details
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Feedback from anthony perry on
28 February 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 spoken to other people about my problem i was so unclear what to do, then i spoke to Andy i found his positive attitude his friendly manner and his understanding of what it feels like to be in debt invaluable i knew i was in the right hands .DONT SUFFER IN SILENCE give Andy a ring you'll be glad you did.
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Feedback from Graeme on
26 February 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:
Thanks Andy, life is so much better I am glad I found your company got my life back on line
many thanks Graeme
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Feedback from Paul Garty on
26 February 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 am more than happy with the staff I have dealt with ,very professional and courteous if I get anyone in the same situation as I have been the will be recommended
Once again thank you for your support and help
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Feedback from suzanne mills on
24 February 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:
Brilliant service, professional and were good at reassuring me through a very difficult and stressful time in my life. Would recommend anyone if financial difficulty to contact Andy for sound advice.
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Feedback from D. L. Quinn on
17 February 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:
If you did not clean your house before inviting friends round they would notice. If you worked all day on it, to get it sparkling, they probably wouldn't. One of the best compliments for any work done is that one did what was expected with the minimum fuss. In this negative time of trauma and sense of failure you just want things to go away. Trusting your advisor to take that worry off your shoulders efficiently is a great positive feeling. Andy Davie and Liz at Liberta helped that process.
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Feedback from andy on
10 February 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:
Great service, Andy has advised me throughout my IVA and when i had serious problems ref car finance advised me well. Result is new car and no more deby enabling me to carry on my iva and work without any issues.
At a time that was most stressful Andy was a star
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Feedback from Mrs H Woolven on
09 February 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 called Andy mainly for advice to see what my options were, Andy was extremely helpful and immediately put my mind at ease. He explained what the best way forward was and now we are all settled in an IVA. Whenever I had any questions for Andy he answered very quickly sometimes quite late at night and was always polite and put my mind at ease. The follow up from him was also excellent. I wish i had contacted him sooner!! Thank you so much!
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Feedback from Andy on
08 February 2010:
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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 thought the service from Andy Davie was excellent. I telephoned Andy several times to discuss the best way forward for me and when all the paperwork was sent to the IP I still spoke to Andy whenever I had any concerns. His knowledge is incredible, he understands how you feel and can make a judgement on the best way forward. Me and my wife can now sleep a lot better now that my IVA has been accepted. I also know that I can still telephone Andy at a later date if I need to. Thanks to Andy and Louise for all their help.
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Feedback from doris poar on
20 January 2010:
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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 Andy Davies for a excellant service,help and advice which enabled me to reach a IVA.Left to me I would not have achieve this important goal,all the staff were helpfull supportive and kind and I very much appreciate their efforts.
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Feedback from Linda Tipping on
19 January 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'll be honest If Andy had not e-mailed me I would not have plucked up the courage to venture into the IVA. My debts where literally strangling me and things where slowly getting worse. I'm now paying a 3rd of what I was paying before in unsecured debts and to one person instead of many.I want to thank Andy and Tracy for all their hard work in the initial stages and would recommend them to anyone who was in financial difficulty. Excellent service. Linda
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Feedback from martin lawlor on
15 January 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:
AN ABSOLUTELY FANTASTIC SERVICE.PROFESSIONAL CARING AND VERY UNDERSTANDING.ALL THE TEAM INCL ANDY,STEVE AND KARRIE,YOU WILL NOT FIND ANY BETTER.IF YOU ARE FEEILING DESPERATE AND IN CRISIS PLEASE START ON THE ROAD TO A DEBT FREE EXISTENCE BY CLICKING ON THE LIVE CHAT,THERE IS NOTHING TO FEEL ASHAMED OF,THERE ARE HUNDREDS OF THOUSANDS OF PEOPLE IN THE SAME SITUATION
JUST MAKE THAT FIRST MOVE YOU WILL NOT REGRET IT.
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Feedback from STEPHEN JEFFERY on
12 January 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 think you service was excellent, it really made me feel at ease with my problems. i would say that you could not do any better, just continue the way you are.
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Feedback from Shaun Matthew on
12 January 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:
First, let me say I found Andy to be knowledgable, understanding and sympathetic to my predicament, which is always appreciated when you find yourself in need of help. Entering into an IVA was never going to be an easy decision for me, but Andy, and later Liz, fully explained all the options and gave sound and sensible advise on these before allowing me to make my choice from those available. I never felt coerced or steered into making a decision I was not entirely comfortable with. Eventually opting for an IVA, this has been the best decision I could have made. The calls have stopped and I can get on with life again and look forward to being debt, and hassle, free. Many thanks Andy and team, I would strongly recommend you in the future
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Feedback from Philip on
11 January 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:
Happy New Year to you and your family, I really appreciate all the kind words and excellent customer service you offered when dealing with me ..even on Saturday mornings for the most reassuring voice on the end of the phone to calm my nerves.
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Feedback from richard perks on
08 December 2009:
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Ratings: |
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Communication:
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9 out of 10 |
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Debt Expertise:
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9 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:
The service provided was really good. They were quick and eeficient, giving very good support and advice. Vincent Bond put me in touch with a local company to dela with my IVA, which even though one creditor was against it, the IVA was approved.Thanks and appreciation to Andy Davie, now my family and myself can rest a lot easier now knowing that all my debts are resolved
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Feedback from Peter Reece on
26 November 2009:
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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:
We would like to thank yourself and Andy for your hard work and reassuring words when we have spoken, we are so grateful for your non judgemental approach, the service you provide is excellent, only wished we could have made the plan work, as did feel very safe knowing you are behind us.
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Feedback from Alain Cabache on
22 October 2009:
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Ratings: |
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Communication:
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9 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 Andy for all your help and advice in the early stages. It certainly helped to have someone who was always ready to provide answers and support. I knew from the beginning that I had chosen the right person/company to assist me.
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Feedback from Phillip Green on
22 October 2009:
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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
Me and my husband have a deptof over 50k. Andy contacted me very quickly. Andys honesty and advice made my concerns about the way forward for me to make myself debt free was based on his honesty and true spirit of wanting to help people. He gave me the information we needed and told me that in my case the plans I had already made were the best for me. He could have sold me another service very easiliy as some firms on the intranet have but his honesty in intergerity made him do otherwise. I feel he is a huge asset and I would recommend him and his advice to others and this is what I intend doing. And andy all your staff is the best well trained
many thanks Andy!!!!
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Feedback from Amanda Youlden on
06 October 2009:
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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 full and final settlement has been accepted today to end my IVA. Andy has helped me over the last few months in the decisions I had to make regarding the amount to offer and wording of letters etc. Very prompt and efficient in getting back to me. But most of all very supportive and understanding during this stressful time. Thanks Andy - it was nice to know someone was on my side (without wanting their pound of flesh!!!)
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Feedback from Julie on
29 September 2009:
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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:
Just to let you know our IVA was accepted today!....Thank you so much for all you assistance in the early stages you really did lift the weight from our shoulders.
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Feedback from Beverley on
08 September 2009:
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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 Andy for the speedy response you gave to my request for information earlier this evening. I did not expect it to be as friendly and as understanding. Taking the step to contact somebody with regard to a debt problem is not easy. Infact, it is a very difficult decision to take, as the feeling of embarrassment and failure is extremely high. Hopefully, the situation can now be managed and kept under control. I should have done this ages ago. Again, thanks for all your help so far. I am now looking forward to my first good nights sleep in ages.
Beverley 07/09/09
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Feedback from Debbie R on
04 September 2009:
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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,
Your service is fantastic, I am so glad we found you.
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Feedback from ROBERT on
03 September 2009:
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Ratings: |
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Communication:
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9 out of 10 |
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Debt Expertise:
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9 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:
WE WOULD LIKE TO THANK YOU FOR ALL YOUR HELP IN DEALING WITH OUR DEBT PROBLEMS. WE DID NOT THINK THERE WAS ANY WAY OUT UNTIL WE SPOKE TO YOU. AFTER TAKING THAT FIRST STEP EVERYTHING SEEMED TO FALL INTO PLACE. NOW WE HAVE EVERYTHING IN ORDER AND NO WORRIES ABOUT NOT BEING ABLE TO AFFORD THINGS. THANKS AGAIN
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Feedback from Julie Donnelly on
02 September 2009:
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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:
Got nothing bad to say about the service I have received from Andy & his collegues that dealt with my IVA. Just recently had my IVA accepted and so relieved to finally get everything into order. Andy had put my mind at rest so many times in regards to the matter & now got nothing but praise to give to everyone who helped with this. I would definately recommend anyone who is having financial difficulties to speak to him.
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Feedback from Joseph Taylor on
03 August 2009:
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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 been extremely helpful and has given very honest advice, that will not benefit him directly. I am more than happy with the service and will be recommending Andy to any friends, family or colleagues that need this type of advice!
Thanks Andy
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Feedback from Phil Sheppard on
13 July 2009:
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Communication:
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5 out of 10 |
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Debt Expertise:
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5 out of 10 |
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Speed of Response:
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5 out of 10 |
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Overall Performance:
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5 out of 10 |
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Personal Message:
Thanks for actualy knowing what your talking about! somthing often missing from the service industry. I must also complement you on your phone manour, unrushed & considerate. a great service all round, thanks again.
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Feedback from Tracy Tindale on
26 June 2009:
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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 only endorse the comments below. Andy has given us the first good night's sleep in many months.
Since our online Chat late yesterday afternoon, Andy has provided a a service above and beyond any I could have dreamt of. In less than a day I have made my first payment off my DMP, spoken to some of my creditors (who have now promised to stop calling!), and been calmed over 'scare tactics': "we're sending our agents to your home!"
Thank you Andy.
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Feedback from Graeme on
10 May 2009:
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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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