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Creditfix: Debt Management reviews

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4.83
Based on 793 reviews, last reviewed 9th Feb 2024
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Latest highest rating:

5

Brilliant company Great company and helpful , great five star ratings***** Reviewed on: 11th April 2023
Andrew janes's avatar
Andrew janes

Latest lowest rating:

1

WHY is no one replying to me? WHY is no one replying to me? Got told off for making additional payments monthly when I bring home more than my 'allowed' take home pay - even thou... Read more Reviewed on: 9th February 2024
Rebekka Skelton's avatar
Rebekka Skelton
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About the Debt Management

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Creditfix Debt Management reviews (793)

WHY is no one replying to me?

1
WHY is no one replying to me? Got told off for making additional payments monthly when I bring home more than my 'allowed' take home pay - even though I have an email advising me to do this. When I took out the IVA, I was told it will write off upto 60% of my outstanding debt, on the app it says I have paid £20,566.74 to date out of £31,206 which is 65% of my IVA amount. My total debt amount owed was £40,598.61, so assuming I am expected to pay back the £31,206 this means I will actually be paying back 76% of my original debt amount owed with 24% being written off. Regarding the above 2 pointers - my questions that I would like answering is - due to the additional contributions made - where I receive salary over £3292.30, for what I have paid to date £20,566.74 assuming I have no further contributions over my £3292.30 allowance - the remainder of payments at £370 per month x 33 months will actually be £32,776.74 - PLUS anything I get paid over my threshold. My concern is, why am I paying more back than the agreed IVA amount of £31,206 - surely - this isn't correct? In addition to this, for the future months - if I continue to earn over the £3292.30 and make further 50% contributions I could end up paying the whole £40,598.61 back - again, this isn't right? January 2024 payday I paid almost £1000 extra payment, on top of the £370 expected. If I get to paying back the £31,206 expected is that it done? Or am I still expected to keep paying towards the original debt amount owed of £40,598.61? As I was told this is the amount you will pay - £370 per month, anything over your threshold is 50/50 but at this rate I'm likely to pay back the £31,206 IVA amount before November 2026 based on the additional contributions The other question I would like answering is if I reach the £31,206 say in March 2026 - will the creditors consider early completion of the IVA as they got back what they expected? Reviewed on: 9th February 2024
Rebekka Skelton's avatar
Rebekka Skelton

Scam

1
Avoid. Company dosent exist. They lie about evrything just get you in agreement Reviewed on: 10th November 2023
fature ET's avatar
fature ET

Awful and unprofessional

1
Avoid this company it is an absolute nightmares they tell lives to you they pass you around they do not give you the advice thay should. I had my IVA cancelled by accident thay email me to apologise they said if I reply to the email in the same day they will re-sinder it so I replied to them for them to start it again I heard nothing of them for three or four days then I got a letter of them saying that it had been cancelled permanently yet they still took 2 months money out of my accounts which I'm fighting to get back absolute disgrace please avoid Reviewed on: 14th June 2023
Steven 's avatar
Steven

Brilliant company

5
Great company and helpful , great five star ratings***** Reviewed on: 11th April 2023
Andrew janes's avatar
Andrew janes

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