From out of a hole towards hope – how Moneer was able to move forward with his life

A dark and stressful time

After his father’s death, Moneer was suddenly burdened with various overwhelming responsibilities. His nighttime security business—once propped up by his father’s financial support—was crumbling. Business debts were piling up, grief was consuming him, and now he faced a six-figure inheritance tax bill. Moneer found himself in a hole, unable to leave the house and avoiding calls.

 “Not only had I lost my dad, but my business literally unfolded before my eyes. It collapsed, I got into loads of debt and was being chased for payments.”

Light in the dark

During this difficult time, Moneer came across Provira by chance. He hadn’t known Inheritance Advance products even existed. Intrigued and curious to understand it better, he also looked at some competitors but, compared to others, Provira was clearly the best choice for him.  Moneer cites Provira’s straightforward offer, cost effectiveness and transparency along with their responsiveness and honest communication as the key reasons for choosing them over others.

How Provira helped

Moneer initially needed funds to pay the inheritance tax before a grant of probate could be obtained. Instead of pushing him into a loan straight away, Provira took the time to offer guidance. Debbie from Provira walked him through the probate process and suggested reliable solicitors to work with. Another provider had suggested he pay the full tax bill upfront but Tracy from Provira advised against it, explaining that it would lead to unnecessary interest for him. Instead, she suggested borrowing only the amount needed for the first instalment, as the rest could be paid from the estate later. Moneer appreciated this thoughtful, responsible approach, feeling they truly had his best interests at heart.

 “It’s the way that they handled things. It’s the way that they treated me. They’re really honest as a company and I find that a huge thing. It’s a financial product, but it’s not like they’re a bank that is just trying to grab your money left, right and centre.”

 So happy with his experience Moneer went on to use other Provira products including the estate advance. He describes the application for all products as “nothing but easy and unbelievably fast”, with funds arriving in his account within a matter of days.

 A period of relief and ease

The whole process of working with Provira unlocked a huge level of relief and peace of mind for Moneer. Thanks to Provira, Moneer was able to pay off his inheritance tax, settle business debts, avoid bankruptcy, and begin rebuilding his life. He describes the experience as transformational. They didn’t just offer financial support, but emotional and practical assistance when he needed it most.

 “Everything I know about probate, I pretty much learned from Debbie and Tracy. They gave me help and advice beyond the basics. They helped me secure funds to get on with extra things like clearing my dad’s garden and repairing a window. They helped me at a time when no one else in my own family was stepping in.”

 A brighter future

Whilst Moneer is still processing his grief for his dad and not totally certain what the future holds, he’s no longer stuck. With Provira’s help, the burden has lifted. He’s now in a position to enjoy his inheritance in a way his father would have wanted and look ahead with hope for himself and his four children.

 “The future’s looking much brighter than it was just a few months ago.”