Warning, please read this if you are considering using Clarke Bell Manchester for an IVA
First of all I would like to say I used Clarke Bell for a number of services. They liquidated 2 companies for me very successfully and for that I thanked them.
I then appointed them to handle an IVA for me, well I wish I hadn't now.
I had my initial meeting with them and listed all creditors as requested.
Their Job within an IVA is to contact all creditors and agree a % to be repaid that is acceptable to all.
This is pretty much an easy process , they go back and forth a couple of times then set up a meeting to agree everything. Generally creditors agree everything by post and do not attend the meeting.
My meeting was set and everything was going along fine, my account manager was calling me and advising everything was fine. Just had to get to the meeting date and a fixed fee per month was all but agreed.
However unbeknown to me , one creditor was not happy with the process and took things to the Bankruptcy Court. This should have been dealt with by a stay of execution requested by Clarke Bell as the IVA was in process. Pretty standard stuff.
NO, no one from Clarke Bell sent any documents to the Court or attended the hearing. The gavel came down and I was Bankrupt!
Believe me when I tell you an IVA would have been a walk in the park compared to the Bankruptcy. Pretty much everything changed in my life , opportunities disappeared and I lost friends. The ability to carry on a business life went as well. Bank accounts etc went to cashcard only.
A total and complete nightmare that I would not wish on anyone.
I approached Clarke Bell regarding the refund of Fees for the IVA but was told that as the work had been carried out (I think not) there would be no refund at all.
If you are searching the net for someone to handle an IVA for you in the North West of England please keep searching, as small errors can have a massive impact
Please feel free to contact me be