Response to Have IBAS a good reputation

Keith,

I have heard from people who have had both negative and positive experiences using IBAS. I think you will find that all these sorts of companies also profit by receiving money from the creditor for obtaining a settlement. Of course, there is nothing wrong in this, but I ask myself the question... in whose interest are they going to operate most ? Some of the settlements I have seen from them appear expensive, but of course it's difficult to say for sure when you aren't in command of all the facts. So I'm afraid it's a question of you pay your money and you take your chance. Bare in mind too it's not easy to find qualified people to take up these sort of cases for a small layout.

The following info from a previous posting may be of interest:

I would just like to point out that many county courts now have duty advice desks on mortgage possession days. These are staffed by advice workers from local CABx, independent advice centres, money advice centres, local authority housing depts, solicitors and law centres. The adviser on duty can advise you about your rights and may be able to represent you in court. To my knowledge, the following county courts in London have mortgage duty desks:

Bow, Brentford, Willesden, Shoreditch, Central London, Romford, Ilford, Bromley, Croydon, Wandsworth, Edmonton, Barnet, Uxbridge.

Also NACAB (National Associations of Citizens Advice Bureaux) has a website where you may be able to find the address and tel no of your nearest CAB.

FIAC is the Federation of Independent Advice Centres. We have over 950 advice centres in membership across the UK. About half offer debt advice, eg Mary Ward Legal Centre, National Debtline, Bristol Debt Advice Centre etc. All members give advice on any area which is completely free and confidential. To get details of your nearest FIAC member centre, contact FIAC on 0171 489 1800 or write to: National Money Advice Co-ordinator Federation of Independent Advice Centres 4 Deans Court St Pauls Churchyard London EC4V 5AA. Fax 0171 489 1804

Finally, I note you say that the account has now been passed to GO- Debt collection - what proof have you that this is official ? Has this debt been properly assigned to the debt collection agency ?? You need to get sight of the assignment document and show it to a qualified lawyer who can advise you whether or not it has been done properly.

Hope this is of some use and Good Luck.

Mark.

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