Review from Sue (3218 views)

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  • Review of: ClearDebt
  • Review date: 30 May 2007
  • Insolvency Practitioner who handled case: David Howard
  • I proceeded as far along as: Accepted IVA
  • The solution I opted for in the end: IVA
  • Speed of response
  • No of days to make a decision after I spoke to IVA company: 2 days
  • Weeks to IVA proposal after decision made: 2 weeks
  • Weeks to IVA accepted/rejected after decision made: 5 weeks
  • IVA Company Ratings
    • Their debt solutions expertise:
      10 out of 10
    • Their customer service:
      10 out of 10
    • Their speed of response:
      10 out of 10
    • Overall Company Rating:
      10 out of 10
  • Insolvency Practitioner Ratings
    • The quality of IVA proposal:
      10 out of 10
    • Overall Insolvency Practitioner Rating:
      10 out of 10
  • My circumstances:
  • I am a PA living in Kent and had a £32K debt. The reason I got into debt was that I suffer with bipolar disorder (manic depression)and one of the symptoms is spending beyond your means.
  • My interaction with the company:
  • I rang them and they were absolutely fantastic. They listened, made recommendations and were very sympathetic when I broke down in tears while on the phone. I was at the end of my tether before I phoned them and after passing everything over to them if was a great burden lifted from me.
  • Why I gave the ratings I did:
  • I rated them 10 out of 10 because I could not fault them. Everyone I dealt with was very helpful and I made me feel like I was their only client.
  • One thing they did - which really impressed me:
  • I was telephoned out of office hours as my case was being worked on in the evening on one occasion.
  • One thing they did - which I felt could be improved:
  • I cannot really think of anything that could be improved. 
  • Other points
  • I remortgaged and managed to raise a dividend of 42.83p in the £ and wrote off £12,500.<br/> <br/> I have become more aware of my finances and have learnt how to manage with what I have got. It certainly made me more aware of how others less well off have to manage on the cash in their pocket. I will certainly not take out any further credit if it is available to me at the end of the IVA.<br/> <br/> I had to advise my employers as I had 3 months off with depression owing to the debt and I was certainly ashamed. <br/> <br/> While the burden has been lifted, I am and always will remain embarrased that I borrowed so much money which I have not been able to pay back.

Community Comments of this review

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  • 22 July 2008
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  • 5 out of 5
  • 4 out of 5
  • 31 May 2007

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Reviewer quotes

  • ClearDebt
  • When a credit card company kept sending me letters about the money I owed them, Cleardebt got in con...

    Review from Alan, 06-Jun-2007

  • They were quick to respond to problems and questions.

    Review from Casey, 01-Apr-2011

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