Our success stories
Individual Voluntary Arrangement debt reduction - case studies
To illustrate the type of ways in which we can help our clients achieve debt reduction, we present a changing series of IVA case studies.Take their word for it. The case studies below give examples of how we have helped hundreds of people reduced their debt with an individual voluntary arrangement over the last 10 years...
IVA Case Study 1 - John the taxi driver
John is self employed taxi driver aged 45. 4 years ago John's marriage broke down and after several attempts at reconciliation he became divorced. Following the breakdown of his marriage John left the marital home and moved to rented accommodation. His wife and 2 young children remained in the home...
Click to view John the taxi driver's IVA case study
IVA Case Study 2 - Roger and Elaine
Roger is a prison officer and Elaine is a full time teacher. They have 2 grown up children both of whom recently married and left home. Roger and Elaine's debt problems started many years ago. Debts were incurred to credit card companies and when the credit card balances became difficult to repay consolidation loans were obtained...
Click to view Roger and Elaine's IVA case study
IVA Case Study 3 - Jamie the Graduate
Jamie is a single man aged 27. After graduating from university he obtained his first job at a good starting salary working for a computer software company. Jamie moved to a flat near his job and spent money decorating and furnishing the flat to a respectable standard...
Click to view Jamie the Graduate's IVA case study
IVA Case Study 4 - Brian and Dorothy
Brian and Dorothy have experienced more than their fair share of "debt problems" in the past few years. Brian has suffered from a debilitating illness which meant he had to cease work 3 years ago. Dorothy continues to work and helps care for Brian who lives at home with her. Brian and Dorothy have 3 children aged 12, 13 and 16...
Click to view Brian and Dorothy's IVA case study
IVA Case Study 5 - Shareen and Faisal
Shareen and Faisal have been married for 16 years and have three children. Being Asian it was traditional for Shareen live with the in laws, which she had done for the first six/seven years. Through domestic difficulties and difference of opinion in bringing up the children they moved house in 1996. They had no savings as it was all used when living with the in laws...
Click to view Shareen and Faisal's IVA case study
Debt management case study - Mrs. Waterhouse
Mrs Waterhouse had been in a debt management plan with W3 Debt Solutions for several months. All of her creditors had been contacted, and the plan was proceeding well – the majority of her creditors had frozen all interest and charges, and agreed to a reduced payment.
Click to view Mrs. Waterhouse's case study