Darius: Amounted over £200,000 worth of debt after his restaurant dream failed.

“The day I finished my IVA I couldn’t believe it was all over. Free after all those years of worry. My restaurant dream did fail but at least after Melanie Giles and the IVA solution, I would have not my debt as a constant reminder of that failure”

Darius was once an East End chef with a dream and after 15 years of hard work in the kitchens of Michelin starred restaurants he finally had saved enough money to see through that dream; opening his own restaurant.

“It wasn’t a huge building, but it was mine. The location was good and I knew all the local suppliers really well, so I had high hopes. I started my business with a large mortgage but I thought that as soon as the restaurant got going I’d be easily paying it off. But I just didn’t foresee the extra costs; the building work, the architect, the furniture, posting for adverts for the right staff…it all added up”

Darius had been taking out loans from various banks to pay for all the work that he needed to have done, simply relying on the belief that his restaurant would be a success. But when the restaurant finally did open, he found the response to be luke warm. And to his disappointment was barely making enough money to pay his staff.

2 years after he had begun his dream Darius had to sell his restaurant and find a job as a chef for someone else again. Not long after this a friend recommended to him that he consider finding out about IVAs especially as Darius really didn’t want to lose his modest house.

Darius found the name and number of Melanie Giles and gave her a call:

“The first call was very long! I hated admitting that my business had failed and that I had made huge financial mistakes, but Melanie really helped me to see that I had to find a solution to my debt problem other wise it would engulf my life”

2 months later, Darius embarked on his payment scheme which would take 5 years, but he wouldn’t have to lose his house.

“Without my IVA I couldn’t have got survived my life with such debt and for that I have Melanie Giles to thank”

These stories reflect the nature of Melanie Giles’ service: committed, personal help towards your debt free future.

Call Melanie Giles: 02920 277 678 or fill in an IVA Enquiry Form.

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