CreditFix  Bewertungen 273

Unfortunately I had come to the last straw in life and had to file for a IVA, everything seemed legitimate when signing up I had informed them I was recieving a grant before setting up and they said I would be able to access it as it was going into the bank they was taking over and I couldn't change it as it had been pre set up months earlier, I received this grant on the 27th of December since then it's been an absolute nightmare trying to sort gaining access, very poor customer service when ringing up, and extremely poor customer service via email it's taking them 3/4 days up to 7 days to reply with no answers or solutions I have also received an email requesting for more money on which I don't have until I can access this money absolutely ridiculous, my mental health has been very poor for over a year going through all this and to be treated like this after everything that's happened is diabolical behaviour I wouldn't recommend using credit fix I'm only 3 months into a 6 year contract and this is how I've been made to feel.

Avoid this company....at the beginning they are very helpful, but after that they don't help you , if you wish to call them, be prepared to wait in at least one hour before you can speak to anyone....shame on them

Everything seemed great when signing up. Professional, friendly and informative.
Then once signed up you are on your own.
Hours on the phone to be put through to India where noone can help
When your circumstances change they don't listen

I cannot rate this company low enough. They are absolutely useless morons. My mom passed away new year and I had the pleasure of dealing with these people to change the IVA from joint with my Dad to just in my Dads name. I get bombarded with emails from different people asking for the same details and also emails from sister companies that I have not given permission to contact me. Despite receiving my mom's death certificate in January. They continue to address all correspondence to my mom whilst taking payment from my Dad. I put in a formal complaint about how distressing this all was and the pain they were causing, there response was to question my Dads mental state and ask for details of doctors and medications he was on as a result. I was furious. I want them to take responsibility and get the correct name on the account and stop addressing everything to my mom. Grief is hard enough without how to deal with these people. We have never missed a payment but I have nowhere where we stand with this company because I have no details of when payments are due till. No details that any of it is actually in my Dads name and a company that don't communicate with eachother. I get an email saying we need a meeting to discuss payment the day after they say your pay review is complete and confirm what we will be paying. They asked for a meeting, I sent them my availability, they respond saying payment is fine. I have never dealt with a worse company than these people and would not recommend them to anyone. From other reviews it seems like it only gets worse when we are ready to close the account down so wish us luck on that.

Do not use this company, I called and agreed a IVA but decided to cancel and not go through that route, I messaged them numerous times and they even replied, so they seen that I told them to stop it, they have continued then behind my back and had the meeting, ive now had letters from my banks and credit card companies, it's a disgrace, looking at getting legal advice as this might now stop the loan I was getting instead of the IVA and this might force me down the IVA route now which I chose not to do.
DO NOT USE THIS COMPANY AT ALL

Absolutely diabolical. Make you think they are there to help but God forbid you come into a temporary life changing situation. I broke my back last October and believe me they do not listen to you. The amount of aggravation I had from these is insane. Iv finally managed to get my iva cancelled. But as per they don't listen. I have sent them 3 emails since closure asking for a copy of my original agreement and as expected absolutely nothing. But you can bet your bottom dollar they will be getting in touch soon. Avoid at all costs. They will not deviate from their script and you are littelraly just a number.

READ THIS BEFORE SIGNING!!! Punished for trying to be debt free quicker! Began my IVA with them in 2020. I've gradually increased my payments over the years from £70 to £150 with wage increases. I received a promotion last year and saw the biggest jump in my wage, but I was on a 6 month probation period which was based on performance, so I decided to wait for my next financial review this October just gone. I began making extra manual payments in July this year when my wage was consistent. In total, I've made £1200 in extra payments which has left me with £600 left to pay on my IVA. I wanted to settle the IVA with one last payment this month and was told I would need to pay £5000+ in fees by their Insolvency department to end the IVA early, then I was told it would £3500+ when I questioned it. So I backed out of the early settlement fee and decided to redo my financial review and continue monthly payments. Today my payment increased to £498 which will be paid in 8 days. After that I will have £102 left to pay in January. I was told on the phone, after the financial review, I'd still need to pay a nominee fee and a supervisor fee to settle my IVA. So not £600 left...£3500 left? Why? Nominee fees cover meetings with Creditors, but if I'm continuing monthly payments, why would this need to be paid now? I've paid £7323 of my total debt of £7973, with gradual increases in my wage over the duration of my IVA.
I wasn't contacted by Creditfix when I was making extra payments, I didn't know ending an IVA early would incur ridiculous fees. I was basically left to give them extra money and fall into their trap. Funny how they're calling you immediately if you miss a payment, but not when I'm clearly trying to be a good person and pay off my debt quicker.
I've worked my arse off over the years and always prioritised paying this IVA off and now that I have the means to do that, Creditfix are making it impossible to do so.
I demanded a Final Complaint Notice from them today and I'll be going to the financial ombudsman with it so they can investigate my IVA. I would recommend the same for anyone in a similar position which by the looks of it, there is many of you.
After I made a request in October to end my IVA early they FAILED to take October's payment from me. I called up and asked them why it hadn't come out and they said it was either because I didn't have the money in my account or a system error. They said they'd look into it when I told them I had enough money in my account to pay the remaining balance off, not just the monthly payment. Never got an answer. I find it suspicious how the one time THEY fail to take a payment is a couple of days after I request to end the IVA early. Even when I've made extra payments alongside the monthly payments previously, they've taken it still, but the month I contact them about ending it early...they fail to take the payment!
This company is doing everything in their power to keep me in debt when I'm trying everything I can to end it earlier than scheduled and move on with my life. It is not illegal to pay off an IVA early, but they are making it seem like it is.
I hope the ombudsman can solve this issue because it's literally holding me back from life now. I earn plenty of money now, I'm better with it and all I want to do is start a new chapter in life and I can't because of these corrupt money hungry corporate idiots.
DO NOT USE THEM unless you know what you're doing, know everything about how IVAs work, even then I'd avoid them. Just handle your creditors yourself, it might be stressful, but it's less stress than this.

TERMINATED my iva after 4.5 years of smooth sailing.

NEVER trust this iva company. I got punished by 2.5k and another year added on to my iva. FOR THE SECOND TIME! for using redundancy money to start a business quick to keep a roof over me and my family's head. Apparently I should have used the money to sit on my arse till it ran out and potentially be out of work getting in more financial trouble.
Argument after argument on the phone and by email trying to make my working situation be understood. Nobody gives a shit trust me.
Joke.
Now dealing with my creditors by myself.

Go bankrupt or run a mile from this company.

I've cleared my IVA over six months ago tried to get my finalisation certificate is a joke they take yr money and then don't want to deal with you afterwards appalling to say the least
DO NOT DEAL WITH THESE JOKERS!!!!!
ALL THEY WANT IS YR MONEY

I got straight through to Creditfix and spoke to David. My query was answered effectively and a confirmation email sent.
I found David very helpful, knowledgeable and friendly. I am now coming to the end of my 5 year payment plan and would say that I have found Creditfix always to be very professional when dealing with any query I have had.

Absolutely terrible service

I’ve recently tried signing for an IVA with credit fix. They are always quick to answer phone for payments and to sign you up. I decided to terminate my IVA because I just want to pay off my creditors but they won’t answer my calls now. Every time I call I get transferred from person to person. Sent an email no response. They told me I’d get a call back 2 days in a row and no call backs.

DO NOT SIGN UP WITH CREDITFIX !!!

The issue was resolved immediately the person I spoke with was helpful

WARNING PLEASE READ ALL REVIEW to any one thinking of getting an IVA let alone with this company. They just want to make money out of you. i paid my IVA on time everytime and even extended payment term to 6 years and 7 months. they dont pay your creditors when you pay they save the money and make money on the interest. they also state that it take 6 months to complete paperwork after the IVA is completed so they hold all your money for upto six months after you have completed. you also have to jump through so much red tape just to get the IVA of your credit file or to show it is completed. basicly after it has been completed they wash there hands of you. my advise to any one is if you have no other option to sort out the debt directly with lenders, then just go bankrupt it the same process as it has to go through the isolvancey department. I have spoken with a number of people who still have issue with debt and items still on credit file many years after completing there IVA. do a bit of reserach and you will find the steps to do things your self and stop these companies from make money out people in debt.

Absolute joke, ignores my emails, on hold for 70mins told lies about competition and date of certificate. DO NOT USE!!!! all call centres in india they have no clue what they are doing, they couldn't care less

I've never known such a group of individuals that all seem incapable of keeping an appointment or calling back.

Highly unhappy with this company. I do not recommend.
Throughout the process payments were missed that I was unaware of, instead of being informed they were added at the end of my iva. Which then led to it going on for longer than expected. Once the final payment was made I had a phone call to congratulate me on completing my iva and saying i was now released from it. I was thrilled to be out of it finally. Only to discover 9 months later that I am still not out of the iva officially. I am so disappointed with the outcome and how long this is taking and of being mislead. This still isn't resolved.

Everything started well but when going through difficulties and struggling to pay they refused to let me take a break, so I managed to find money for my payments and in march I completed my IVA. I have now been waiting 7 months for my completion certificate and trying to get hold of anyone is impossible. I have finally been assured it will be sorted by end of October but I needed to speak to someone today and I spent over two hours on hold without speaking to another human. It’s a joke. Can’t wait for it to be over.

They are not a trustworthy company. they deceive you and keep a lot of information away from you. i have been paying debts that i am not supposed to be paying for two years before credit restoration came in and saw that I was not supposed to be paying those debts and rectified the issues for me. Tjhis company knows what they are doing to milk us out of money.

I entered an IVA because of company debts and I was the sole director.
I feel as though I was cohersed into accepting the outcome I was told countless times you will be better off and your house would be protected
It’s been 102 months now I finished paying the monthly amounts in December 23 they then wanted my share of our jointly owned house but I sold it in may 2016 to pay off private debts we then began renting until my wife’s father passed awAy leaving my wife a large amount of money she bought a small house which is owned by her but they still are pressuring for more money I have had countless variation meetings with no results

I’m giving three stars only because I was sat on the phone for nearly an hour before anyone answered. But when I managed to get through Jacqui McKinnon was so helpful and was so polite, I don’t normally write these up but she’s deserve some credit. Jacqui McKinnon Thanks for your professional customer support and understanding.