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Creditfix: Debt Management reviews

Name: Debt Management
Rating: 4.83 (793 reviews)

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4.76

Based on 793 reviews, last reviewed 9th Feb 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

Brilliant company Great company and helpful , great five star ratings***** Reviewed on: 11th April 2023

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

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About this product

Creditfix Debt Management reviews (793)

Review of the Creditfix, Debt Management:

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 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

Fast and efficient

They sorted my debt out with ease very professional quick and efficient put my mind at ease Reviewed on: 9th September 2021

Good Idea, bad company

The IVA in itself was soo helpful. The person who signed me up was awesome and had my best interest in mind. Managed to get my massively overwhelming debt payments down to a small monthly payment. All was good at this point. It didn't get bad until the yearly reviews started. I'm in my 4th year I think, so I've had 3 yearly reviews. Every year they try to claw as much money as they can out of you. I think first year they tried to increase my payments by like 300%. I have to argue every year. Even though my job is the same and my expenses are the same they still try to claw more money. This year they tried again and I had to ring up and argue and it never got sorted. They kept sending me emails saying we need to discuss it with you but when I ring up I can't get through. So they said they will feedback to my creditors. I would recommend a IVA if you are drowning in debt, it will ruin your credit score but of well. But I don't recommend creditfix they are after your money. They don't care about you Reviewed on: 9th September 2021

Absolutely brilliant

Help you out in the best way for your debt . Makes you feel as you can rely and breathe again Reviewed on: 7th September 2021

Financial peace at last

Credit fix is a fantastic credit score app providing a plethora of advice for improving credit scores. Easy to use, regular updating, fantastic. Reviewed on: 7th September 2021

Excellent service and company

Really happy with the service of this company and how helpful they were with me. They solved all my issues and left me feeling happy and satisfied. Highly recommend! Reviewed on: 6th September 2021

Great help and support

I am so grateful for all the help and support I received from Credit fix right from the beginning of a overwhelming situation that I didn't have the solution to. They were very compassionate, understanding and professional and took time to keep explaining things because I was so distraught and in tears. Every time I had a question, they were always on hand to explain things in detail and would call back if they didn't have the answer at hand. Every time I have to make a payment, they would kindly add that I am a step closer to completing my payments which is very positive and encouraging. I would recommend credit fix to anyone struggling with huge debts or needing help with the best way forward with their finances. Reviewed on: 5th September 2021

Saved my life

I was in such a dark place with all that debt over my head and I don’t know how but creditfix popped up one day now now they have took over all my debts and I now have one manageable monthly payment instead of 7. I am so very thankful that creditfix came along. Reviewed on: 5th September 2021

Excellent service

I’m so grateful for creditfix they have worked really hard to sort my debts out and they remind me wvery month about my payments excellent company. Recommend to everyone Reviewed on: 5th September 2021

Excellent service

A few years ago I was struggling to pay my bills and turned to credit fix for help. They were fantastic! They went through my finances with me and spoke to all relevant parties and now I pay a fixed amount each month that is affordable and not have to worry and stress about how I'm going to pay my bills. I can't tell you how much this has helped my and my health. I would 100% recommend them and have to a few friends already. Reviewed on: 4th September 2021

Great relief

5 years ago I fell on hard times due to a divorce and some bad decisions my debts were piling up and then I contacted creditfix and due to the vast drop in monthly Bill's they saved me from depression and who knows it could have been worse . THANK YOU CREDITFIX Reviewed on: 4th September 2021

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Creditfix: Debt Management reviews

No new 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Creditfix Debt Management reviews (793)

WHY is no one replying to me?

Fast and efficient

Good Idea, bad company

Absolutely brilliant

Financial peace at last

Excellent service and company

Great help and support

Saved my life

Excellent service

Excellent service

Great relief

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