Yes I used them and although not had any problems, they are a middle man who come to see you and then pass you on...from reading this forum for the past 6 months I'd go with one of the firm's on this site...unfortunately I didn't know about this site until after I had signed.

I'd agree with FF36. The guys on this site are 2nd to none and in hind sight I would have gone with them too.

Also a a bit of advice - ask loads of questions r.e equity, changes of circumstances, reviews, PPI, lump sums etc and have everything document. You just need to look on the forum for ideas on what you need to clarify.

Entering a TD was the best financial decision I've made. Good luck!

Hi Stella

I think there is a bit of a waiting time for a CAB appointment unfortunately.

I've had no dealings with the company mentioned, however they will act as a middle man and as stated will pass you to an IP form to deal with things.

Best idea is always to sit down with an IP firm directly and discuss all options. Then have everything confirmed in writing before signing anything.

Mark

Thank you so much everyone, that's really helpful! So which Financial companies on here are recommended?

Hi Stella.

The companies this site chooses to recommend are represented here by Mark (who responded earlier in the thread), David and Kevin.

You can read more about them and their firms via the menu (profiles and interviews).

Hi Stella - well done on plucking up the courage to seek help, always the hardest part I reckon.

I always think it is such a shame when people do this and then find that the free advice sector are so overwhelmed that they can't get an appointment for weeks. Unfortunately is the same old problem of a lack of funding and a lot of people needing help.

Hi Stella,

Citizens Advice Bureaus are fantastic organisations but unfortunately as you have experienced it can be difficult to be seen quickly by an advisor. Something that isn't known to a lot of people is that Citizens Advice offer a telephone service which is handled by Citizens Advice Direct. They handle over 200,000 calls per year from people with a whole range of problems who require advice and guidance. We have worked with them in the past assisting their clients and my colleague sits on their board of directors.

I'd always advise going directly to an Insolvency Practitioner and discussing things in person with the IP (Trustee) or one of their qualified members of staff. The benefit of that is you find out exactly how your Trust Deed will work from start to finish. As we have found out on the forum sometimes using a third party can confuse matters or complicate Trust Deed's if things aren't explained correctly by the third party advisor. If problems develop later on down the line in your Trust Deed you will then be able to refer back to your meeting with the advisor from the IP firm and everything which was discussed should be documented with them.

Good luck with things and let us know how you get on.