Review from Pensioner Ken (1220 views)
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|Review of: Clearstart|
|Review date: 28 March 2007|
|Insolvency Practitioner who handled case: Mervyn E. Smith|
|I proceeded as far along as: Accepted IVA|
|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: 4 days|
|Weeks to IVA proposal after decision made: 2 weeks|
|Weeks to IVA accepted/rejected after decision made: 5 weeks|
|IVA Company Ratings|
|Their debt solutions expertise:||10 out of 10|
|Their customer service:||10 out of 10|
|Their speed of response:||10 out of 10|
|Overall Company Rating:||10 out of 10|
|Insolvency Practitioner Ratings|
|The quality of IVA proposal:||10 out of 10|
|Overall Insolvency Practitioner Rating:||10 out of 10|
|I am a pensioner, I had 220k of credit card debt and 100k home equity, against which I raised a 75k secured loan to pay-off my creditors in an IVA.|
|My interaction with the company:|
|I had spoken to three other debt management companies,who all turned me down because I was a pensioner, before I contacted Clear Start.|
|Why I gave the ratings I did:|
|I rated Clear Start 10 out of 10 because they took the trouble to assess my case as a pensioner sympathetically, and came up with a solution that the other companies had overlooked.|
|One thing they did - which really impressed me:|
|Clear Start suggested that I raise a secured loan against the equity in my home as a one-off payment to my creditors in an IVA.|
|One thing they did - which I felt could be improved:|
|They were most efficient, professional and friendly.An excellent team to have on your side in such a difficult time.|
|Now, apart from a bigger but manageable mortgage on my home, after some forty years I am completely free of unsecured debt.Writing off 145k with a 30% dividend to creditors. I have learnt that credit cards are unnecessary, are a danger to your wealth, and should be strictly avoided.|
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speed of response.
Review from ttt, 08-Sep-2007
Whenever I called I got to speak to somebody and not just an automated service.
Review from martha07, 11-Apr-2008
Reasuurance, especially during the postal strike as my documents were delayed and the IVA...
Review from Brian, 05-Dec-2007
They was very understanding of my situation,and treated me with respect.
Review from Mick Lambert, 24-Feb-2007
Friendly and helpful advice
Review from Londongirl, 09-Jan-2007
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