Review from Murphymanu (389 views)
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| Review of: ClearDebt |
| Review date: 16 December 2011 |
| Insolvency Practitioner who handled case: David Emanuel Merton Mond |
| 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: 4 weeks |
| Weeks to IVA accepted/rejected after decision made: 7 weeks |
| IVA Company Ratings | |
| Their debt solutions expertise: | 10 out of 10 |
| Their customer service: | 10 out of 10 |
| Their speed of response: | 8 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 |
| My circumstances: |
| I had debts over £50k wth no equity due to living beyond means for years always paying off monthly credit card bills but then having to spend on them again just to survive for shopping etc. I am currently paying £210 per month to creditors. This is an excellent rate compared to the £350+ per month I was quoted to have to repay with other DMCs |
| My interaction with the company: |
| I am in my 2nd year of my IVA and was worried about my repayments increasing on review especially in current climate. I was quickly reassurred and common sense prevailed and my repayments have continued at the same level. The staff and in particular my rep Mark Hindle are fantastic and a real credit to the company |
| Why I gave the ratings I did: |
| They have been outstanding from start to finish they really do support you, put your mind at ease and work with you to get the best affordable rate. |
| One thing they did - which really impressed me: |
| Its all good, but initially it was the low repayment compared to what I had been quoted elsewhere. Was also allowed to keep just over 50% of my annual bonus which was great |
| One thing they did - which I felt could be improved: |
| On my annual review the expenditure form was a £100 out which nearly give me a heart attack as it was asking for £100 per month higher repayment. When called it had been due to a computer error not picking up one of my expenditure. All sorted in phone call but make sure you keep photocopies of everything especially your initial and final income and expenditure forms |
| Other points |
| I have to remortgage at end of IVA term so it will depend on how much equity can be released to how much will eventually be written off. At the moment it looks like a great deal but even if it wasnt I had no choice but to go down this route otherwise I would have been bankrupt and would have lost my job. The IVA has been a godsend for me in a way it means although a struggle me and my family can survive and keep our home. Furthermore my wages actually mean something now, rather than just money that went in my account to service my credit card direct debits and i look forward to pay day again. When I look back I cannot believe some of the things I have bought |
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Reviewer quotes
- ClearDebt
|
If during the IVA I had a any problem they got in touch and sorted it out for me.
Review from Peter, 05-May-2013 |
|
The advisor john was the main positive here and he communicated the solution in leymans terms and i ...
Review from brook2010, 17-Feb-2011 |
|
Everyone was really nice and friendly they put us at ease and were not judgemental at all
Review from stephJ, 27-Jul-2010 |
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I was getting nasty phone calls from a creditor who wouldnt believe I was in an IVA. As I thought e...
Review from Richard, 09-Oct-2009 |
|
Initial advice from Andrew at ClearDebt was very good, not pushy or salesy and was understanding and...
Review from shelleyManc, 27-Sep-2010 |
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