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Review of the PayPlan, Debt Solutions:

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PayPlan has been a huge help to improve my quality of life

PayPlan has been a huge help to me. Before PayPlan I was worried about my finances and didn't really see a way out. I registered on PayPlan's website for bankruptcy advice and they called me quickly to discuss the options and advised me to go another route with a DMP instead. PayPlan contacted my debt providers, froze interest and made agreements with them so I now pay what I can afford. My quality of life is much better now that I have a goal and I can see the finish line. They have a webiste portal where you can login to track your progress and see your debts go down. I highly recommend PayPlan to anyone with financial difficulties. Their services are completely free. No hidden charges at all. Reviewed on: 20th August 2021

Review of the Starling Bank, Current Account:

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I used to recommend Starling but their recent banning of buying cryptocurrencies has turned me off

I used to love Starling but since they banned us from spending our own money on cryptocurrencies I have found another bank. My review changed from high to low. It was temporary and I think it is allowed again but the fact they did it is enough for me to leave. They disguised this as "customer protection". They say this because they believe that investing in cryptocurrencies is high risk and involves a lot of scams. This is a terrible excuse, as they are fine with people spending their money on gambling sites, betting sites, gaming sites.. but apparently, decentralised finance is a step too far for them? Hmm, I wonder why banks would ban disruptive tech that gives people complete control over their own finances. Reviewed on: 16th March 2021

Review of the Co-op Insurance, Car Insurance:

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Charged £35 to cancel insurance just 6 days after I bought it and it hadn't even started yet

Bought Co-Op insurance and paid a £160 deposit. Cancelled it literally just 6 days later before it started and still had to pay £35 admin fee. What is that £35 for? Any other place just gives a full refund, as they haven't provided any kind of service. Such a scam. Reviewed on: 8th March 2019

Review of the Admiral, Personal Loan:

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They're your friends until you run into money problems

The customer service is nice until you run into money problems. They don't care about their customers and situations, as long as they get paid. After a few unfortunate situations I was left out of a job for a short time and fell back quite a bit on my debts as I couldn't pay them. I finally found a new job but my debt by then was too large to manage and left me with not enough to eat or pay rent. I spoke to a government funded agency about starting a debt management plan (DMP), who was so nice and reassuring. After going through the process and telling all my loaners they all agreed that the DMP was the way forward. Barclays, Tesco, AA, HSBC, they were all nice, too, and said they understand and fully agreed on the DMP, saying it was in my best interest and they'd stop the interest ony loans. Apart from Admiral, who nonstop started calling my phone 3x times a day. They kept advising not to get a DMP and said instead I should tell them what I earn and pay out and Admiral will independently agree on what I should pay them and basically said they will work out what I should pay the other companies. How is that fair in any way for the other companies I owe money too? They all agreed, why is Admiral being greedy. My DMP said to not talk to Admiral, as they will on my behalf and agree the amount I can afford to pay. Admiral didn't like this and continued to call me everyday, sending threatening court letters. Eventually the DMP was agreed by Admiral. All was going fine up until I checked my credit rating and found that Admiral have placed a CCJ on me. Now after going through all the forums, everyone says don't worry if you've agreed a DMP noone will go through the CCJ route. I guess Admiral do, they really don't care about your situation and how much you may be struggling. Their top priority is getting as much money from you as possible, even if you're not left with enough to eat/pay rent. Reviewed on: 14th October 2018

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