“A true lifesaver when I really needed it!” I was originally introduced to Julian Wood, principal at Cogent Consult, through a business associate of mine who said that he could find solutions to problems that other people couldn’t. I had already been to see my accountant and solicitor as well as another Insolvency Practitioner all of whom said that the only way out of my situation was to go Bankrupt. I was not keen for this to happen and so with nothing to lose I went to see Julian. Upon my detailing the situation that I was in he immediately grasped the position and understood all that I had to loose and how important is was for me to find an alternative solution to my problems. After a number of discussions and a look at the options open to us he managed to find an agreement with all of my creditors that allowed me to go into a “one day” IVA (Individual Voluntary Arrangement) This meant I was able to keep my bank accounts, keep my job, and keep my house!! When all the other professionals had said that I only had one option Julian was able to negotiate and find a really good solution, a true lifesaver when I really needed it!

“He had saved me!” I met Julian Wood, the principle of Cogent Consult, when I had several substantial property development loans with one of the “big four” banks. These included personal guarantees. Having been caught out by a recession, the properties were foreclosed upon by the bank and sold, leaving a substantial shortfall. This resulted in a claim against me personally for some £650,000. We went to meet the manager, in their plush offices. Julian highlighted their position and skilfully negotiated a full and final settlement, getting them to agree to an amazing “pence in the pound” deal in satisfaction of my PG's. Upon leaving their offices, and as the lift doors closed, I have to admit that I did give Julian a big hug. He had saved me.

Cogent were a recommendation from our solicitor who advised us to contact Julian Wood to help us with that was one of the most daunting experiences of our business life. The Service Jules provides is personal, professional, years of experience, honest, straightforward and trustworthy.....a huge asset to anyone facing insolvency of challenging issues. The pressure on us personally and our family at the time was significant to the point of being dangerous from a mental health perspective. His understanding of our situation along with his approach, knowledge and ability to work a solution has been outstanding and the impact on us as a family has been immensely valued by us all. This open letter is to say a huge thank you to Jules and for us to use this opportunity to share with anyone else ina similar situation the outstanding service Cogent provides. In many years of experience in business we can hand on heart say Jules is phenomenal at what he does. Jules always found the time to speak to us providing a true solution based focused approach to what was a very difficult time for all involved, working closely and seeing us through to the best possible outcome."

I was completely happy in my dealings with Julian of Cogent Consult. I found him approachable, confident and tenacious. He is an experienced analyst and a real go-getter who has the amazing ability to think outside the box to find solutions to suit all situations. I thoroughly recommend Cogent Consult for an efficient and professional service.

"You have helped a number of my clients over the last few years, particularly in the case of residential development insolvency. In that case my clients were on the verge of despair, however, you calmly sorted out the issues and they have nothing but praise for your work. I would not hesitate to recommend you to clients who are in need of your skills".