Review from Eric Keeley (1644 views)

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  • Review of: ClearDebt
  • Review date: 27 May 2014
  • Insolvency Practitioner who handled case: Vicki Hollingsworth
  • 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: 7 days
  • Weeks to IVA proposal after decision made: 4 weeks
  • Weeks to IVA accepted/rejected after decision made: 4 weeks
  • IVA Company Ratings
    • Their debt solutions expertise:
      9 out of 10
    • Their customer service:
      9 out of 10
    • Their speed of response:
      10 out of 10
    • Overall Company Rating:
      9 out of 10
  • Insolvency Practitioner Ratings
    • The quality of IVA proposal:
      9 out of 10
    • Overall Insolvency Practitioner Rating:
      9 out of 10
  • My circumstances:
  • I am a sales Manager, and started a business with a friend were we thought we could make our money, and future safe. Unfortunately things did not go according to plan, and i spent all savings i had, and took out a loan from HSBC to help start the company. I also MAX OUT my credit cards, before i realised things where going downward.<br/> I returned to the company i left to start the company, and fortunately they took me back on so i had now a steady income but a lot of debt.<br/> I contacted Clear Debt to ask for advise and assistance, they suggested going for an IVA which i have just started my 4 th year off 5 to clear the outstanding balances
  • My interaction with the company:
  • After our initial meetings, Clear Debt have taken care of all my creditors, and have put in place a acceptable repayment plan<br/> So far so good
  • Why I gave the ratings I did:
  • I have rated Clear Debt very highly, because of their attitude, and after sales assistance. They have always listened to any enquiries and have acted professionally<br/> My main contact has been Vicki Hollingsworth, and I feel she is a very professional person and excellent in her comments and actions
  • One thing they did - which really impressed me:
  • There are a few things they done, but the main thing was the sorted my finances out with very little fuss, they contacted my creditors and agreed an affordable monthly payment plan
  • One thing they did - which I felt could be improved:
  • Maybe a quicker way to pay. What I mean is instead of a 5 year plan, possibly a 3 or 4 year plan.<br/> <br/> This may involve a little extra payment per month but could be so valuable to someone like me and take my / and or others age into consideration. We may be able to save a little to put aside 
  • Other points
  • I am currently in full time employment, and able to pay my monthly payments to Clear Debt. <br/> I did have a massive amount to pay back, over 35K this has been reduced to just over 15K writing off over 20K <br/> What have I learnt. I will not venture into a business again unless i do a considerable amount of work first, even then this would be doubtful.

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Reviewer quotes

  • ClearDebt
  • Took the case on on its own merits, i can only afford £110, but that wasnt a problem.

    Review from Sharon C, 09-Mar-2010

  • Always someone at the end of the phone when you need to contact them and call back when they say the...

    Review from Robert, 07-Nov-2014

  • Made me feel relaxed when I had finished speaking to them – I felt that they had taken all my worri...

    Review from tony, 19-Jul-2007

  • When we run into some unexpected expense with the car that has to be used for work they made it very...

    Review from Bev and Carl, 10-May-2013

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