Review from Walt (2696 views)

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Review of: ClearDebt
Review date: 15 April 2010
Insolvency Practitioner who handled case: David Mond
I proceeded as far along as: Free Advice
The solution I opted for in the end: IVA
 
Speed of response
No of days to make a decision after I spoke to IVA company: 2 days
Weeks to IVA proposal after decision made: 12 weeks
Weeks to IVA accepted/rejected after decision made: 12 weeks
 
IVA Company Ratings
Their debt solutions expertise: 10 out of 10
Their customer service: 9 out of 10
Their speed of response: 9 out of 10
Overall Company Rating: 9 out of 10
 
Insolvency Practitioner Ratings
The quality of IVA proposal: 9 out of 10
Overall Insolvency Practitioner Rating: 9 out of 10
 
My circumstances:
I got into debt by looking after my mother, she was ill and had a bad partner so I used to lend her money then I couldnt afford to pay it back. I had to pay for her funeral on my credit card. By the time I contacted cleardebt I owed £85k.
My interaction with the company:
Because I was in such a mess and needed to get something sorted Jonathan suggested I go on to a debt management first to get something sorted asap whilst we get together the paperwork needed for the iva. I was on the debt plan about about 3 months then they just switched me over.
Why I gave the ratings I did:
I was and still am always treated as a person and not just someone that makes them money. Every person Ive dealt with knows my case and has been very friendly and caring.
One thing they did - which really impressed me:
I was concerned when one girl left who had been dealing with my case and another girl took over - Kim. I shouldnt have been Kim has been as fantastic as the last girl and has been able to answer any query I have had straight away.
One thing they did - which I felt could be improved:
The only thing I can think of is when I was told to wait by the phone to hear if my IVA had been approved but no one called, I called two days later to check everything was ok and was told yes it had gone through. With such an important thing there was a lack in communication somewhere. 
Other points
I am paying a good lump a month over £500 and it is hard but what do I expect. My dividend is 35% with a remortgage in year 5 if I can, if not then another year of payments because of Northern Rock. I keep thinking to the future and about how rich Im going to feel when Ive finished it!

Community Comments of this review

Quality? Genuine? Date
5 out of 5 5 out of 5 19 April 2010
Comment: Good review
 
Quality? Genuine? Date
5 out of 5 5 out of 5 16 April 2010
Comment: Detailed review, warts and all!
 

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Reviewer quotes

  • ClearDebt
After the meeting of creditors I was contacted immediately to be told that the IVA had gone through....
Review from Nory, 28-Jan-2011
I knew who I could contact and was happy knowing that people at Clear Debt were working for my best ...
Review from Fudge70, 05-Nov-2010
Impressed with the speed of the process
Review from HBkent, 25-Mar-2011
politeness
Review from vicky, 24-Apr-2013
VERY PROFRESSIONAL BUT VERY CARING AND UNDERSTANDING. CANT RATE THEM ENOUGH!
Review from FOX, 30-Sep-2008

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