To some people who are struggling with debt an individual voluntary arrangement (IVA) might be an option to help them to start to raise their head above water. But if you decide to apply, what is the process and what are the time frames that you can expect?
The Debt Advice Service and Freeze Debt are trading styles of Pacific Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FRN 688034 and is registered in England & Wales, Registered Office: Ram Mill, Gordon Street, Chadderton, Oldham, England, OL9 9RH. Company number 09404359. ICO registration number ZA207735.
All information and advice provided by Pacific Financial Solutions Ltd is provided free of charge. However, depending on your chosen debt solution we may pass your details and supporting information to one of our partners / a selected 3rd party to provide you with a service and we may receive remuneration in respect of the work we have done.
For completeness, if you decide to pursue an Individual Voluntary Arrangement (IVA) one or more of our in-house Insolvency Practitioners (IPs) may act Jointly as Nominee with an IP of another partnered firm and we will receive remuneration for providing that service.
Our in house IPs are Jason Bowen who is authorised to Act in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150 and Laura Stewart who is authorised to Act as in the UK by the Insolvency Practitioners Association (IPA). Licence no. 23590.
Insolvency Practitioners are bound by The Insolvency Code of Ethics in respect of all work relating to Insolvency Appointments.
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