"Thank you for all your kind help."
"Thank you so much for helping me out here, from the bottom of my heart."
"Thank you for making a difficult situation not so difficult."
"I want to “Thank You” for all your help and more."
"It was all worth it, everything is going good now and I’ve already recommended you guys to a couple different people."
"Thank you for your wonderful support, guidance, patience, understanding and kindness. I am on the right path now with a fresh start. My son and I have a much brighter future and words could not express how thankful I am."
"Thank you for all your help and understanding. It is a great feeling being free from the noose of debt."
"I would like to Thank You and your staff very much for helping me through one more very difficult time of my life."
"When I think of all the things you’ve done, I simply can’t just stop with one……So Thank You again and again to Mr. Beverley and staff who helped us through a very difficult time of our life. We truly appreciate your extreme kindness."
"You people are so very, very nice. You have helped me more than words can say. You are all totally appreciated!"
"To all the staff thank you very much for all your help and friendliness."
"Thank you for all your help during this past year. It has restored my faith and hope for a better future."
"Thank you all for helping guide us through our financial difficulties. The care and respect shown to us by all your staff was greatly appreciated."
"I would like to thank you and your staff for making a situation that was personally uncomfortable better. Thanks a Million!!!!!!!"
"Thank you...for your kindness, help and respect, and for removing many stresses from my life, thus allowing me to begin again. You are so much appreciated."
"We would like to thank John S Beverley & Associates Inc. for giving us our lives back. The phone does not ring day and night and when it does ring there is a friendly voice on the other end. "
"Thank you very much for pulling me out of the hole in 2007. My life is back on track…You’re a godsend."
"This comes with appreciation for the thoughtfulness you’ve shown."
"Thanks for all your assistance over the past year and being helpful, this is a hard thing for me. Your telephone manner is so helpful in easing my concern. Thank You!!!!!!!!!!!!"
"What you do in regard to helping people to maintain self respect while learning to cope and face the realities of their financial situation, goes beyond mere words. We have learned so much and our future will be better for those reasons."
"A simple Thanks to everyone for all your help and support. You have changed by life from worse to a better one."
"Thanking you so much for your excellent service and making a pretty difficult year less difficult. Want to say all the best to you and your Company."
"Just a little note to say thanks so much for everything. Because of you all I have no more stress due to finances. You took away that big black cloud."
"Thanks for your help and guidance during the black times of our bankruptcy. You brought peace and a ray of color in a dark time."
"Thanks for all your help, it’s a big weight off my shoulders."
"We want to take this opportunity to Thank You and all your staff for your exceptional, competent, and so friendly service that you rendered to us. We will gratefully remember the experience and remain at your service."
"Thank you for helping us through a difficult financial time and also a difficult personal time in our lives. It was nice to deal with people who have integrity."
" I just want to wish Thank You for a job well done!!!!!"
"I am back in control of my finances with your assistance. Your help made all the difference. Thank you!"
"We appreciate everything that you have done for us and we are enjoying life so much more now. Everyone in your office has been so nice and helpful. Thanks for helping us to understand each step of our bankruptcy."
"I’d like to take the time to thank you very much for all your help your staff and Mr. Beverley have given me to help make this as painless as possible."
"We appreciate the counselling and all the advice on our 2nd chance. Thanks for being there and giving us our “kick in the butt” when we needed it the most."
"A very kind and friendly voice……..I was already feeling very bad about my situation and she was very comforting. Thank you. "
"Thanks a million. You have been very kind, and I am most grateful."
"I have definitely benefited in the last year. I have been taught money management, patience and discipline. Thank you so much for making me debt free!"
"Thank you all for the help in the past, you are very nice people."
"Mr. Beverley and Staff: Thank you so much everyone for your help in the past year. I was treated with compassion, kindness and understanding. I was reluctant to seek help, but in the future I would recommend your services to anyone. You were professional, yet explained things in a clear and simple manner. I am grateful to you all!"
"I met with you last week in regards to my financial situation. Though you were really unable to assist me you did give me some great advice."
"Bankruptcy is a difficult thing for anyone to experience, there is shame, fear and financial hardship to endure. I would like to take this opportunity to applaud you all on making this process so much easier for us."
"We want to Thank You and your team at Beverley & Associates for successfully negotiating our proposal"
"Thank you very much for being so kind and so generous. You people have all made my life so much easier even when I thought I was guilty, you saw me as a victim which I really didn’t realize I was until I came to your business. I now feel like a butterfly set free. Thanks for everything."
"Thank you for all your help. I really appreciate it."
"Thank you! We so appreciate that you have helped us through this crisis. We are starting to feel whole again and looking forward to spending our retirement in peace. Thanks again"
"Thanks for all your assistance over the past year."
"I want to thank John and his staff, and in particular, Melody, for being especially understanding during an extremely difficult time for me. Without judgment and with a lot of caring, compassion and hand holding, they were able to see me through the entire process in a very stress free manner. I will forever be grateful."
"Your kindness was appreciated more than words can say…..Thank you very much…….I will never forget your kindness and competence in serving me."
"Thanks very much, I appreciate all you and your company have put into my file."
"Thank you for your assistance and professionalism, it has been greatly appreciated."
"I have learned to budget better and make my dollar go further. I admit that I still need and have room for improvement, however you and your staff have helped me considerably."
"I appreciate everything you’ve done and taught me."
"Thanks to Mr. Beverley and his staff for all your help."
"Thank you so very much for all that you have done for us. You have given us a new start and we appreciate it very much."
"I truly would like to thank you for all the help and wonderful service you have provided us. Thank you so much."
"To all the AMAZING staff at John S. Beverley & Associates!!! Thank you for your support, understanding, patience, and education you have given me this year. You are all truly special people who have been a positive influence in my life. Thank you!"
"Thank you for your patience and help this past year."
"Thank you for all the “hand holding” over the past year."
"Thank you all very much for everything."
"Thank you for all your team’s hard work!!!!!!!!"
"I just want to thank you again for your prompt attention to my situation. It was very much appreciated. Your efforts helped ease some of the stress of this difficult time."
"Thank you all for your caring and kindness during a difficult time. I feel like I have my life back. Thank you...thank you!"
"Just a note of thank you and appreciation for your time and helpful information."
Posted: November 18, 2016
Know your Financial Rights and Responsibilities.
The more you know about your financial rights and responsibilities, the easier it is to avoid costly surprises and reach your financial goals. Take the time to inform yourself about rates, terms and potential penalties associated with financial products and services.
Payday loans have become very popular in today’s lending market, but once you've accessed their services, it can be very difficult to get out of the loop. Chances are if you can’t afford the purchase today, you won’t be able to afford the repayment to a payday lender next month when the cost of the loan and interest have been added. A payday loan that costs $21 per $100 borrowed is the same as an annual interest rate of 546%. A $300 payday loan for 14 days can cost you $63 and if you miss the repayment date, you can be charged another $40 fee making the total repayment $403.
Cash Advances on Credit Cards
By applying for and using credit cards, you entering into a legally binding contract. Always read the terms and conditions and ensure you understand your obligations for repayment, interest charges and the consequences of non-payment or late payments.
Financial Consumer Agency of Canada reports that 51% of Canadians incorrectly believe that they won’t pay interest on a cash advance as long as the balance is paid by the statement due date.
Whenever you take a cash advance, use credit card convenience cheques or use your card for cash-like-transactions, such as wire transfers/money order purchases/travelers cheque purchases/gaming transactions, you can be charged a cash advance fee and interest will begin to be charged daily until the entire cash charge has been repaid.
You do not have to wait until you receive your statement to begin repayment. To reduce interest charges, begin repayment as soon as possible.
Breaking your Mortgage
If you think you might benefit from better rates and lower payments by breaking or switching your mortgage, double check your mortgage contract first! Breaking or switching your mortgage can result in heavy penalties and fees.
While your mortgage contract must clearly disclose the costs, it is your responsibility to understand your mortgage contract. Ensure that you weigh the benefits and risks before you break or renegotiate your current contract. Benefits can include lower rates, lower monthly payments and paying off your mortgage sooner. While risks can include a large prepayment penalty, which could be more than any savings you receive, or receiving no savings at all if you end up selling your home shortly after renegotiating.
As Canadians we are lucky to have strong protections, but it is up to us to ensure that we take the necessary precautions to read and understand financial agreements.