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Review of the Creditfix, Debt Management:

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For your own best interest, please go elsewhere

I have removed a previous positive review I had left of CreditFix, that I left during the beginning of opening my (now completed) IVA. At the time, I had not recognised how much they use a friendly facade to prey on vulnerable people who are reaching out to try to better their situation and putting trust in them. In hindsight, I had not fully understood the extent of how much of the money I repaid my creditors would go to CreditFix, including during early completion, and I believe this was not explained to me properly on the phone after comparing it with the documentation I agreed to. I accept that naivety on my own part and that even in a very vulnerable and desperate position I should have been more vigilant in my efforts to review what I was agreeing in writing. When I looked to complete my IVA early, I found that CreditFix were very happy to dilly dally around setting up the meeting with my creditors, meaning I continued to pay another two months of repayments whilst waiting for them to arrange the meeting. Whilst this is not the end of the world and I would have been repaying those amounts anyway in the final payment, it was clear that me improving my situation was not their priority. Once my creditors agreed, CreditFix became much less interested in engaging with me - I had to email multiple times for a response and eventually raised a complaint as I was waiting to receive the information to make my final payment and was not being provided this, and was conscious my usual monthly payment date was fast approaching and had no communication on if I missed this payment whilst waiting for the information to make my final payment whether this would negatively impact my credit or count as a missed payment. From the point of my final payment, it took four months to receive my certificate of completion via email. In this notice to me, they stated I should contact Equifax, Experian and TransUnion to notify them of the closure. They did not inform me to contact the government Insolvency Register, which was presumed to be their job, to notify them of the IVA closure. Two years after completion, I have recently gone to move home and my referencing flagged red that I have a current IVA - this was not true and when looking further into it, this was not updated within the Insolvency Register, and it appears the agencies have been using that information as truth over the report I provided, which I imagine is an automatic process. My closed IVA has therefore been showing as active for two more years than necessary to agencies, which I have had to resolve myself to enable my referencing to go through - this may have impacted other credit searches against me in the previous two years unbeknownst to me as I expected CreditFix to have done their job. I had to contact the Insolvency Register myself with the certificate of completion, usually they would leave someone’s details on the register for a period of time after completion but fortunately they have removed mine from immediate effect given the time that has passed since completion. After already feeling I was misled around how much would be paid to CreditFix and having a bad experience with their communication and tardiness, my recent experience where I’ve had to do their job for them (what exactly was I paying them for?) has only further highlighted their poor service, mismanagement and lack of interest in helping customers who are proactively trying to get back on track. I would dissuade anyone from going through this same experience and when looking for a debt management agency to look at reviews from people at all stages of using an agencies service, and not put as much weight on those written by vulnerable people who have just entered into an agreement and who are perhaps disillusioned by a company strategically putting a friendly and understanding voice as their first point of engagement. Reviewed on: 27th May 2025

Review of the Blue Motor Finance, Car Finance:

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Nothing special

Very average prices, nothing special, and alike many others I was misled around DCA commission by them Reviewed on: 27th May 2025

Review of the PayPal, PayPal Credit:

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Easy and quick

Easy to use and accessible, quick decisions on credit approval, simple to manage repayments or anything else in the app, good to have the option of borrowing an amount or to split repayments Reviewed on: 27th May 2025

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