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
