Review from woozie (930 views)
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| Review of: Debt Free Direct |
| Review date: 10 January 2009 |
| Insolvency Practitioner who handled case: Not Known |
| I proceeded as far along as: Failed IVA |
| The solution I opted for in the end: Bankruptcy |
| Speed of response |
| No of days to make a decision after I spoke to IVA company: 4 days |
| Weeks to IVA proposal after decision made: 2 weeks |
| Weeks to IVA accepted/rejected after decision made: 6 weeks |
| IVA Company Ratings | |
| Their debt solutions expertise: | 2 out of 10 |
| Their customer service: | 1 out of 10 |
| Their speed of response: | 5 out of 10 |
| Overall Company Rating: | 2 out of 10 |
| Insolvency Practitioner Ratings | |
| The quality of IVA proposal: | 1 out of 10 |
| Overall Insolvency Practitioner Rating: | 1 out of 10 |
| My circumstances: |
| My wife and i have debts over 76k. At the start of iva, both employed, no assets or savings.<br> <br> IVA.com reports: Debt Free Direct has contacted this individual via Iva.com to discuss their comments. Debt Free Direct have advised that they have made significant improvements to their customer service to ensure that their clients receive the highest level of service. More recent customer reviews of their service can be found on their website www.debtfreedirect.co.uk/reviews/. <br> <br> |
| My interaction with the company: |
| Phoned debt free direct and was advised an iva would be better than bankruptcy{even though we have no assets or savings} They seemed very understanding on the phone but did not explain the fees at all.Sent the forms out quickly and set the wheels in motion. When our iva was approved, it was agreed at 89pence in the pound, but later on i discovered we were paying 96pence in the pound{no wonder we were still struggling}When i looked again at our proposal, our outgoings were more than our income because of this. I spoke to dfd on numerous occasion, only to be told the figures were correct and they could do nothing about it. |
| Why I gave the ratings I did: |
| When you take out an iva. you hope that they are working more for you and the creditors. Unfortunately debt free direct only interested in their pockets |
| One thing they did - which really impressed me: |
| First contact on phone |
| One thing they did - which I felt could be improved: |
| CUSTOMER SERVICE |
| Other points |
| going bankrupt. iva went one year paying £1228 a month. total paid £14763+ bank interest £226.23=£14962.23 nominees fees £3000, supervsors fees £2700, office holders expences £393.13, vat £1048.16 distributions £7820.94 |
Community Comments of this review
| Quality? | Genuine? | Date |
| 3 out of 5 | 4 out of 5 | 11 October 2009 |
| Comment: I am employed by DFD. Since the date of your review, we have now set up a new Customer Support Team to ensure that any changes in circumstances, which either reduce your income or increase your expenditure are put to the creditors as soon as possible. Currently, we are helping over 200 clients every month change their IVA proposals to deal with their changes in circumstances. | ||
| Quality? | Genuine? | Date |
| 2 out of 5 | 4 out of 5 | 11 January 2009 |
| Comment: Why exactly did the dividend increase? Putting aside the apparent lack of information you received, it is your responsibility to ensure your proposal is accurate. The terms and conditions of the IVA are ALL stated in the proposal which you would have signed to confirm you understood. | ||
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Reviewer quotes
- Debt Free Direct
|
The effeciency and personal touch of my advisor
Review from IVA May 2010, 12-Jul-2010 |
|
They stopped all the debt collector calls and visits that worried hell out of me within days
Review from RUSS, 16-Jul-2010 |
|
Listened!
Review from Jacqui, 01-Jul-2010 |
|
nice people to talk to
Review from anne, 03-Jul-2012 |
|
Every person I spoke to treated me with the utmost respect and sensitivity.I was called back several...
Review from Moya, 25-Jan-2007 |
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