Review from lilyb (1211 views)
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Review of: ClearDebt
Review date: 25 October 2014
Insolvency Practitioner who handled case: David Emanuel Merton Mond
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: 3 days
Weeks to IVA proposal after decision made: 2 weeks
Weeks to IVA accepted/rejected after decision made: 3 weeks
IVA Company Ratings
Their debt solutions expertise:8 out of 10
Their customer service:5 out of 10
Their speed of response:6 out of 10
Overall Company Rating:4 out of 10
Insolvency Practitioner Ratings
The quality of IVA proposal:6 out of 10
Overall Insolvency Practitioner Rating:4 out of 10
I unfortunately had debts of 30k after struggling for years with poor health, I had a mortgage with very little equity and high mortgage payments, eventually my outgoings were more than I had coming in.
My interaction with the company:
At first clear debt were fantastic but said my income wasnt enough and I would need to put a family member was helping me by making a regular contribution each month, obviously this wasnt the case so it has been very hard making payments every month. On my 4th review I was told I hadnt been honest and owed money so for the next 6 months had to pay additional funds, I have no idea what I had been dishonest about. Initially I had a very good member of staff dealing with my case then it changed to someone else who I have great difficulty contacting.
Why I gave the ratings I did:
I have given these ratings as I believe there are much better companies and had I done my research would not have gone with clear debt.
One thing they did - which really impressed me:
One thing they did - which I felt could be improved:
Hopefully nearly finished, not sure of the dividend or how much written off as quite a large amount of ppi payments to be taken off original debt.
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when i put in an offer to my creditors they got it all approved within a few days
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