Review from johnnyp (2476 views)
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Review of: ClearDebt
Review date: 26 November 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: 7 days
Weeks to IVA proposal after decision made: 4 weeks
Weeks to IVA accepted/rejected after decision made: 1 weeks
IVA Company Ratings
Their debt solutions expertise:9 out of 10
Their customer service:9 out of 10
Their speed of response:9 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
I had been in a DMP for 2 years with little chance of discharging my £100k+ debts. I was approached by Cleardebt who explained the options available to me and the IVA seemed the most appropriate.
My interaction with the company:
I had an in-depth discussion about the various creditors and decided to proceed. The process took some time because of the number of creditors and the need to arrange a creditors meeting convenient for all.
Why I gave the ratings I did:
I very rarely give a 10 rating in surveys because there is rarely an opportunity to grade anybody outstanding or exceptional. In this case, the service I have received from Cleardebt over the last 3 years has been excellent.
One thing they did - which really impressed me:
Managed to have one significant creditor discounted totally because of how their paperwork was completed. This could only have been done by having a thorough knowledge of their field.
One thing they did - which I felt could be improved:
They lost my return for 2014 due to a document scanning fault. Once identified this was explained to my satisfaction and rectified.
Preparing for the expiry of my Arrangement in October 2016, but likely to extend because of increasing equity in my property. My dividend was 35%, which implied a writing off of >£70k.
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Get us onto the IVA! Overall their advice was great.
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They varied the IVA.
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The way the application was handled. I felt confident in Cleardebt and they reduced my payment. Ever...
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