“My IVA lasted for almost 4 years, Tim, you and your team have worked to try and resolve the matter, balancing my needs and those of Creditors’.

Fortunately, because of my high mortgage, the equity in my house was low but nevertheless the creditors’ could have insisted on a sale but this was avoided.

I cannot say I fully understand all your procedures and calculations but they show a high degree of professionalism which will always cause me to recommend your services.

Cheryl Gray and Carrie Withers have acted for me and I got to know them well by letter if not personally, and I have been pleased with the service they gave me”.