Review from Louise76899 (3496 views)
Review of: ClearDebt
Review date: 31 December 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: 5 days
Weeks to IVA proposal after decision made: 6 weeks
Weeks to IVA accepted/rejected after decision made: 5 weeks
IVA Company Ratings
Their debt solutions expertise:5 out of 10
Their customer service:6 out of 10
Their speed of response:8 out of 10
Overall Company Rating:4 out of 10
Insolvency Practitioner Ratings
The quality of IVA proposal:5 out of 10
Overall Insolvency Practitioner Rating:4 out of 10
I live in the East Midlands and had around £35K of debt no equity or property
My interaction with the company:
I completed an online form and they rang me, initially they were vey good and reassured me but I was given incorrect advice. This was sorted out on a second call but it did lead to me being worried. Noone ever went through any other options with me an IVA was the only option given. Once agreed the IVA wen through quickly but noone has ever really explained how it worked or what would happen when it ended. I had to research this myself
Why I gave the ratings I did:
I was made to submit an PPI claim even though I had stated that I didnt have any, the PPI company used were poor and dragged out my claims for 2years, this delayed the completion of my IVA by 6 momnths even though I had completed my payments, delaying the repair of my credit rating
One thing they did - which really impressed me:
It was good once that towards the end I had an email address that I could contact them on.
One thing they did - which I felt could be improved:
Provide better informaation on the process and what happens during and after (also change the PPI company used)
Debt free around £20K written off. Now in a well paid Job so focusing on reparing my credit rating
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