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Lees wat reviewers zeggen

Beoordeeld met 1 van de 5 sterren

The worst company in the UK do not give you true facts and you end up paying more than your initial debt was stay well clear

Beoordeeld met 5 van de 5 sterren

Thankyou so much for all your help and getting me back on track, was really hard coming to terms that I needed help, then making that first move...... am glad I did contact yourselves with all your... Toon meer

Beoordeeld met 5 van de 5 sterren

We've been trying to sort our financial situation out for a number of years and we've been let down by companies that claimed they would help and then charged us unsustainable payments. Clear debt not... Toon meer

Bedrijf heeft geantwoord

Beoordeeld met 1 van de 5 sterren

If you have had any financial problems in the past this lot, ClearDebt will find you and scam you for PPI using DSRP there in-house collection agency. misrepresentation is there main tool Don't Sign... Toon meer

Bedrijfsgegevens

  1. Geld en verzekeringen

Informatie afkomstig van verschillende externe bronnen

ClearDebt is a leading IVA and debt solution specialist, helping people take control and clear their debts. Start your journey to becoming debt free today!


Contactgegevens

3,0

Gemiddeld

TrustScore 3 uit 5

211 reviews

5 sterren
4 sterren
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3,0

Alle reviews

(211)

0 reviews in de afgelopen 12 maanden

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Beoordeeld met 4 van de 5 sterren

Relief

Really good, understanding and helpful. Quick and efficient

6 augustus 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Thank you for taking the time to post this review.

Beoordeeld met 5 van de 5 sterren

Drowning in debt

From the very first contact with ClearDebt I have received nothing but the most courteous service and clear information from them regarding my IVA, the whole process was explained to me in detail and I am pleased to say that my IVA was accepted by my creditors.
For the first time in a number of years I am able to relax and know exactly how much I need to pay each month, leaving me free to concentrate on the better things in life. No one can appreciate how this feels unless you are drowning in debt like I was and now know their is a clear path for me to become debt free.

4 augustus 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

I will be sure to pass on your comments to the team.

Beoordeeld met 4 van de 5 sterren

Welcome Intervention

I was very happy with being introduced to ClearDebt. They were friendly, communicated very well and were responsive to my needs and situation. The company helped me through my challenging financial situation to see a promising way forward without the daily stress I had been previously enduring.

4 augustus 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

That's lovely to hear , grateful for the feedback.

Beoordeeld met 5 van de 5 sterren

Excellent service

We've been trying to sort our financial situation out for a number of years and we've been let down by companies that claimed they would help and then charged us unsustainable payments. Clear debt not only worked out an affordable solution, but everything was done so smoothly and easily. They are not for profit and their advice wad not only spot on, but explained more clearly than even Citizens Advice managed. We feel we now have an ally in our situation. Can't rate them highly enough.

31 juli 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Dear Stephen,

Thank you for taking the time to leave such a positive review. It is great to hear that we have been able to find a solution to set you on the road to recovery.

Just to clarify, ClearDebt is a commercial organisation, however there are no up-front fees payable. You just make the agreed monthly payments which are calculated on your own circumstances to make sure that they are affordable, and the creditors agree that our fees can be paid from this pot for proposing and supervising the IVA – these fees are paid out of the creditors’ money, which they have agreed to. By the way this is true of charitable providers too - they charge similar fees.

Thank you again for your kind words, and we look forward to working with you to help you achieve a debt free future.

Kind regards,

Joe O’Connor
Compliance Manager

Beoordeeld met 5 van de 5 sterren

excellent

Fantastic from start to finish. I cannot praise these people enough.

29 juli 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Thank you Catherine.

Beoordeeld met 5 van de 5 sterren

Highly recommend cleardebt

From start to finish cleardebt have been so fast friendly and helpful.
Everything has been dealt with in a very friendly professional manner I can not fault them.
Salish has always been polite and very professional.
I wouldn't hasitate in recommending cleardebt to anyone, you can actually feel the weight lifting off your shoulders from the first phone call.

Cheers
Mark

26 juli 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Thank you for reviewing and we are delighted to help.

Beoordeeld met 1 van de 5 sterren

poor poor service

I am not happy with cleardebt at all and if I could change my IVA provider I would do it in a heartbeat.

First of all when I asked for a copy of my chairmans letter they sent me the details of someone else! can you believe it someone else, so I had the private financial information for someone else added to my documents.

Then I am able to offer a full and final settlement which I submitted 2 months ago and I have called and emailed a so many occasions I can't ever remember how many times and no one bothers to get back in touch with me. I have called in to complain to be told that I can't speak with Supervisors and can only complain by email or letter? I can only gather because their customer service is so poor that supervisors would spend their day speaking with complainants.

Now I am getting told that I have to transfer over all the funds for the full and final settlement before they have ever asked my creditors to meet which doesn't seem right to me at all. I am going to get the ombudsmen involved here as with spending me another persons details along is a breach of regulations. If you are going to choose a IVA company stay clear.

23 juli 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Dear Mr Davies,

I’m sorry to hear of your concerns and wish to address these for you. Clearly it would be unwise to go into details regarding your finances in a public forum, however I would be more than happy to look into this for you privately.

Unfortunately your Supervisor was not available today to speak with you. Complaints can be taken over the phone, however if you wish to make a formal complaint, many people prefer to do this in writing as this is part of a formal process. Alternatively, if you find it easier, you can submit your complaint by e-mail to complaints@cleardebt.co.uk and this will be acknowledged, investigated and responded to in line with our Complaints Procedure (http://www.cleardebt.co.uk/info/complaints/) – we will also provide you with details on your referral rights if you are unhappy with the response you receive, as the Financial Ombudsman does not have any jurisdiction over the supervision of IVAs.

Once again, please accept my apologies and rest assured that we are keen to work with you to resolve your concerns.

Kind regards,

Joe O’Connor
Compliance Manager

Beoordeeld met 5 van de 5 sterren

Great Service

Clear debt explained all my options when considering how to manage my debt. They were proactive from the outset and took me through my IVA step by step. I felt that I was no longer on my own in managing my debt issues. When it came to completing my IVA, again Cleardebt took me through all the process and I had my notice of completion within six weeks of making my final payment. Thank you.

3 juli 2015
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

So Helpful

Clear Debt have been so helpful. They genuinely appear to care and will do their very best to make sure payments are affordable. Always a friendly voice at the end of the phone if advice needed (Pauline Carter !!) I have reached the end of my IVA and cannot fault the service I have received

26 juni 2015
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Very helpful and professional!

I would recommend ClearDebt to anyone who is in a similar situation to myself. They were very helpful and professional, with a caring attitude towards myself and my situation. A small criticism is the amount of time for the IVA to be in place, but overall extremely happy with the service I received and still receive.

23 juni 2015
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Good advice but not what I expected

I've been worrying about my debts for weeks, ever since I missed a payment on my mortgage. I contacted ClearDebt and they went through my situation then told me I didnt need their help and that I should talk to my mortgage lender.

I was nervous about this but Cleardebt helped me pluck up the courage and I've now got an arrangement on the mortgage.

4 juni 2015
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

Very supportive company

When entering an IVA, it’s good to be cautious and I was, the last 6 years I have found the staff at Clear Debt supportive and understanding.
When I spoke to my adviser they spoke to me as a person, they understood me and always made me feel comfortable.
I would defiantly recommend them.
My last payment for my IVA was in March 2015, received Notice of Completion in May 2015.

3 juni 2015
Review zonder uitnodiging
Beoordeeld met 5 van de 5 sterren

sleep at last

Cleardebt talked me through everything, explained my different options available. After settling on an iva, they sorted out a repayment plan, negotiated with my creditors. I now know where I am financially and can finally sleep at night

27 mei 2015
Review zonder uitnodiging
Beoordeeld met 1 van de 5 sterren

Customer Service is a let down.

Been with this company over 3 and half years. They are ok at the start when they hook you up and could not have been more helpful. When you have an emergency then they are not so helpful. My Account Manager left in December and no one at Clear Debt advised me. So i was sending emails with no repsonse from my account manager as I had a few finanical problems. I ask for a payment holiday but told that my IVA could fail. I then at the time said I was struggling as i had not received a payrise for 9 years and everything went up. I sent in my Income and expenditure form and was told they had not received it. I didnt receive any response from clear debt via email for a while until I went on there site and ask for a call back. I was even receiving letters from my account manager even though she had left the company. I had been passed to pillar to post and eventurally someone found my income and expenditure form in January for my review and i had to send in some more stuff which I assume got lost. I think in all I dealt with around 5 people since January.
NOT IMPRESSED AND WOULD NOT RECOMMEND THIS COMPANY TO ANYONE!!

7 mei 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Dear Josiecow,

I am sorry to hear that you had difficulties with communication around the turn of the year after your CSO left the business, especially as it seems from your post that things had been running smoothly for over 3 years.

If you are able to e-mail me directly ( joe.oconnor@cleardebt.co.uk) with your name and address or reference number, I will ask your new CSO to get in touch to introduce themselves and provide you with their contact details as well as answering any questions you may have.

Once again, please accept my apologies for any frustration you may have experienced.

Kind regards,

Joe O’Connor
Compliance Manager

Beoordeeld met 1 van de 5 sterren

Extremely disappointed

I started with clear debt 12 months and have constantly been let down, f Transferring my debt so an Iva i didn't recieve a statement which I thought was strange at the time though I had an idea of my creditors and the balances. In April 14 lloyds notified me that my ppi of £1300 would be paid to clear debt I called clear debt and asked that as soon as this had been paid could I get a statement?yes ahe said... October I hadn't received anything I called and was told that they had not had the money when in fact was that they had paid the money to someone else's account! I wrote a complaint got a apology letter yet still no balance! March I receive a letter saying my 12 month review is up still no balance.. Sent all forms back.. Friday 27th March I opened a letter to say congratulations you have paid off your debts and your Iva is cleared yes I thought this is great!!? But no this is not the end a week later at 1745 I recieve an email which confirms that I am now not cleared I can not believe how I have been treated and I am going to the financial ombudsman!!!

3 april 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Dear Mr Wilson,

I am sorry if you have misunderstood the letter which was sent to you. This letter was sent to all of ClearDebt’s IVA’s customers to explain to them that the ongoing issue of investigating mis-sold Payment Protection Insurance (“PPI”) which had been preventing many customers from receiving their completion certificates even though they had made all of their agreed contributions had been resolved.

For the avoidance of doubt:-

1. The letter did not state “Congratulations you have paid off your debts and your Iva is cleared” as you claim; in fact the letter said “On Friday 20 March 2015 your creditors agreed to a mass variation that will now allow me to close your IVA and issue you with any relevant certificate if all the expected contributions have been made.” I should stress again the point “If all the expected contributions have been made.”

As you are aware, the agreement that is made at the outset of most IVAs is to make 60 monthly contributions over a period of 5 years (as well as addressing any equity in the property if applicable after 54 months). As you state that you only started your IVA 12 months ago, it would seem to me that you have still have roughly 4 years of contributions yet to be made (assuming that your payments are up to date and that your start date is correct) and you should continue to make your expected monthly contributions, however if you wish, you can contact your CSO who will be able to confirm the exact number of payments left to be made as things stand.

2. At the outset of an IVA, all of the creditors are written to, requesting an up to date balance. This is so calculations can be made to work out what percentage of distributions should be made to each creditor on a pro-rata basis. During the course of the arrangement, the balances of the debts are, to all intents and purposes, irrelevant, as the debts are written off by your creditors once you have fulfilled your obligations under the terms of your IVA. Your supervisor will, however, send an annual report to both you and your creditors, breaking down what has been received and what has been distributed to your creditors.

Given that you state your IVA started 12 months ago, I expect that your first annual report is currently being prepared and will be sent to you in due course; your CSO will be able to confirm this for you if you contact them.

I should also point out that the Financial Ombudsman Service (FOS) does not have any jurisdiction over the supervision of IVAs. If you do have any concerns which you would like to be addressed in the context of your specific case, I can be contacted by e-mail on Joe.Oconnor@cleardebt.co.uk and I will be happy to help. A copy of ClearDebt’s complaints procedure is posted on our website cleardebt.co.uk or is available on request from your CSO, although I am confident if this reply has not answered your query, I will be able to do so to your satisfaction.

Sincerely,

Joe O’Connor
Compliance Manager

Beoordeeld met 5 van de 5 sterren

excellent 5 star service

My friend recommended this company to me.
When I rang them they were amazing.
so kind friendly helpful understanding and the man who dealt with me on the phone was so funny and very understanding.
They explain all options and take everything into consideration and offer such great service. Will recommend them to anyone.
never met such lovely people in my life.

24 maart 2015
Review zonder uitnodiging
Logo ClearDebt

Antwoord van ClearDebt

Hi Victoria,

Thank you for taking the time and trouble to provide such positive feedback.

We understand that being in financial difficulty can be a very stressful experience and it is never easy to pick up the phone in the first place and have a frank discussion with a stranger about your situation.

We do try to make the whole process as straightforward as possible and to put people at ease by being friendly and understanding. After all, we are here to help you, not to judge anybody and we know all too well how easily debts can amount through no fault of your own.

Congratulations on starting out on the road to becoming debt free and we look forward to helping you every step of the way.

Kind regards,

Joe O'Connor
Compliance Manager

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