ClearDebt Opiniões 

211
•
TrustScore: 3 em 5

3,0

Embora não verifiquemos reivindicações específicas uma vez que os autores têm direito a ter a sua opinião, podemos classificar as opiniões como "Verificadas" quando conseguimos confirmar a ocorrência de uma interação com a empresa. Saber mais

Para proteger a integridade da plataforma, todas as opiniões na nossa plataforma (verificadas ou não) são analisadas pelo nosso software automatizado 24 horas por dia, 7 dias por semana. Esta tecnologia foi concebida para identificar e remover conteúdos que violam as nossas diretrizes, incluindo opiniões que não se baseiam numa experiência real. É possível que não consigamos dar conta de tudo, pelo que poderá sinalizar alguma coisa que ache que nos possa ter escapado. Saber mais

Leia as opiniões dos outros

Classificada 1 em 5 estrelas

The worst company in the UK do not give you true facts and you end up paying more than your initial debt was stay well clear

Classificada 5 em 5 estrelas

Thankyou so much for all your help and getting me back on track, was really hard coming to terms that I needed help, then making that first move...... am glad I did contact yourselves with all your... Ver mais

Classificada 5 em 5 estrelas

We've been trying to sort our financial situation out for a number of years and we've been let down by companies that claimed they would help and then charged us unsustainable payments. Clear debt not... Ver mais

A empresa respondeu

Classificada 1 em 5 estrelas

If you have had any financial problems in the past this lot, ClearDebt will find you and scam you for PPI using DSRP there in-house collection agency. misrepresentation is there main tool Don't Sign... Ver mais

Informações sobre a empresa

  1. Finanças e seguros

Informação fornecida por diversas fontes externas

ClearDebt is a leading IVA and debt solution specialist, helping people take control and clear their debts. Start your journey to becoming debt free today!


Informações de contacto

3,0

Aceitável

TrustScore: 3 em 5

211 opiniões

5 estrelas
4 estrelas
3 estrelas
2 estrelas
1 estrela

Sem histórico recente de solicitação de opiniões

Esta empresa não convidou os clientes recentemente, pelo que as opiniões podem não ser representativas

Como esta empresa usa o Trustpilot

Veja como as respetivas opiniões e classificações são obtidas, classificadas e moderadas.

3,0

Todas as opiniões

(211)

0 opiniões nos últimos 12 meses

Escreva uma opinião
Na Trustpilot, as empresas não podem oferecer incentivos ou pagar para esconder opiniões. As opiniões pertencem a cada um dos utilizadores e não à Trustpilot. Saber mais

Classificada 5 em 5 estrelas

Really helpful and patient

I got my self in a right state but when I spoke to abacus they got the ball rolling and I got a lovely lady that was so patient with me and spoke through email as was easier for me with two kids.. She is brilliant and responds back very fast I would recommend it to anyone big help and a lot less stressful for your self

10 de março de 2016
Opinião espontânea
Classificada 5 em 5 estrelas

Clear Debt

Friendly helpful and efficient!! I was a little nervous but the advice I had was excellent.
Thank you I now see the light at the end of the tunnel !!!

26 de fevereiro de 2016
Opinião espontânea
Classificada 4 em 5 estrelas

Stumbling over the line

I completed my 5 years worth of payments in March 2015 however I am into my 6th year now still waiting for all the PPI to be collected , my case officer has been fine over the years , I just find the end process really slow and I cannot believe it takes another 6 months just to collect PPI , I don't even care about the £500 that I am meant to be getting I just want my certificate , feeling frustrated but overall the company has helped me sort my debts out.

20 de fevereiro de 2016
Opinião espontânea
Classificada 5 em 5 estrelas

Amazing

All the advisors from clear debt are amazing, had a wonderfull experience and would highly recomend clear debt, couldnt be any more thank full

7 de fevereiro de 2016
Opinião espontânea
Classificada 5 em 5 estrelas

A truly excellent service

Everyone I spoke to at Cleardebt gave us as much support as they could during, what was, a very difficult period. Everything was explained clearly and we were helped and advised through every step. The level of empathy that the staff displayed was very welcome and certainly helped us through the procedure. It's also very reassuring to know that there's someone there to offer support if we need them.

5 de fevereiro de 2016
Opinião espontânea
Classificada 4 em 5 estrelas

Very Happy until today!

I have been with Cleardebt for nearly 5 years since a previous Company that I was with went out of business and I lost a great deal of money. My IVA is due to end May 2016 and today I received an email from a Company called Aperture in Belfast telling me that they have taken over my IVA from Cleardebt. As I had not received any communication from Cleardebt I telephoned them and they confirmed that the email was true, and Aperture had taken over the IVA.
I have made enquiries about Aperture and found that their CEO Gareth Neill has had a disciplinary order imposed due to complaints from debtors, and this worries me greatly.
I have always had an excellent service from Cleardebt, but I cannot say the same about the Company that they were associated with as far as PPI claims were concerned. They lost all my paperwork and I lost count of the number of times that I had to sign the same forms.
I would recommend Cleardebt but not the way that they have transferred my IVA to Aperture. I guess I just have to start worrying again. I just wish that I could stay with Cleardebt but it appears that I cannot. I will see what happens in May and post another review.

5 de fevereiro de 2016
Opinião espontânea
Classificada 5 em 5 estrelas

Financial lifesaver

Like many people i allowed my finances to spiral out of debt when life got in the way. I was very upset and distressed when i made initial contact with Cleardebt, i couldnt see a way forward. But im glad i did make that call, its early days yet, but i have been guided through the process of getting my finances in order with empathy , understanding, respect and lots of genuine support from Cleardebt staff who have kept me informed every step of the way. Im glad i made that call

21 de janeiro de 2016
Opinião espontânea
Classificada 1 em 5 estrelas

Extremely concerned and devastated! !!! DON'T USE THIS FIRM!!!

Please I beg people out there do not use this firm. In year 3 of my IVA I became concerned as to how my money was being distributed to creditors. I questioned Cleardebt and they stated that it would all look better towards the end. We struggled to pay in year 4 due to a job loss but we were not assisted and I found it difficult to deal with ever-changing account managers who said different things. In year 5 we took the decision to let the IVA fail as the biggest creditor never had anything paid off and I am now dealing with them direct. Cleardebt using another firm have credited nearly £10,000 from PPI. This money has not been accounted for. I have contacted Cleardebt 3 times in the last month to be fobbed off and when I asked for copies of all transactions they will only send me basic spreadsheet although I can see they have taken £8,000 for fees but currently there is no accounting for where the PPI money has gone. I am drawing a blank on the phone. I am now in process of building a full complaint to take forward to Ombudsmen. I feel utterly demoralised and let down and don't know where to turn. I just wanted this information out there, I thought my only option was an IVA but this company has gained from my stupidity and earned a lot more than my creditors have ever received. Please bypass this company and either deal with local firms face to face or make offers to your creditors who I have found helpful as currently you can't get past the young call takers in this firm who are not helpful and have refused to pass my concerns on!!!!!

20 de janeiro de 2016
Opinião espontânea
logótipo da ClearDebt

Resposta da ClearDebt

Dear Wendy,

I am sorry to hear of your concerns, however having reviewed your case notes, I’m afraid I cannot agree with your comments.

I can see that numerous attempts were made to contact you to discuss your IVA over a period of more than 12 months, by letter, by telephone and by e-mail, however most of our attempts went either unanswered by you, or received a brief reply stating that you were busy and would get back in touch later that day or tomorrow.

Despite our best efforts to communicate with you and to help to salvage your IVA, it was your failure to co-operate ultimately led to your IVA failing.

I won’t discuss the specifics details of your own case in a public forum (but I am happy to try to help further if you get in touch with me directly), however for the benefit of other readers, I would make the following general comments:-

Once your IVA is approved, you agree to pay in as much as you reasonably can afford for its duration and once it has been satisfactorily completed, your creditors agree to write off the remaining balance of your debts. This means that for the duration of your IVA, you are protected from your creditors taking any further enforcement action against you (CCJs, Bailiffs repossessing property/ vehicles, debts being secured against your home, etc) and that your creditors are not allowed to contact you about your debts, other than to send you a statement once a year.

During your IVA, you always owe the full balance of your debts (including statutory interest) as well as fees to cover the cost of putting your IVA together (Nominee’s Fees) and for managing your IVA (Supervisor’s Fees). These fees are agreed by both you and your creditors at the outset of your IVA and are paid out of the contributions you make to your IVA. Your contribution is based on what you can afford - fees are not added to that figure.

The Nominee’s Fees are paid from the first contributions paid into your IVA pot, and then Supervisor’s Fees are then paid as a smaller percentage (typically 15%) from any further money that gets paid in, either from regular contributions or from other windfalls (e.g. Inheritance) or other assets (e.g. compensation for mis-sold PPI). Again, these fees are agreed in advance by both you and your creditors and are paid from your IVA pot.

Dividends are also paid to your creditors during the IVA at regular intervals on a pro-rata basis, so whoever is owed the most will get the biggest share and whoever is owed the least will get the smallest amount. Although you will not see the debt cleared until your IVA has been completed and the full balance is written off. ClearDebt provide both you and your creditors with an annual report detailing what has been received and what has been paid out and if you think there are any discrepancies with the statements your creditors have sent then you should get in touch so we can contact the creditors on your behalf. Breaking off contact and allowing your IVA to fail would be, in my opinion, a big mistake, especially with the finishing line in sight.

Once an IVA has failed, unless you have managed to repay all of your creditors in full, any further compensation awarded for mis-sold PPI (which existed prior to the termination of your IVA) would still need to be paid to your IVA and would then be distributed to your IVA creditors in accordance with the terms of your arrangement.

I do understand that people’s circumstances can change, which is why regular reviews are conducted and we will do all we can to help people get to the end of their IVA by working with them and their creditors to find a compromise, so I would always encourage people to talk to me, respond to any letters, calls and e-mails you receive and don’t bury your head in the sand.

Wendy – as mentioned above, if you would like me to discuss the details of your own case and provide you with a personal response to any specific concerns or queries, please feel free to e-mail me directly (david.mond@cleardebt.co.uk) and I will be happy to clarify matters for you. I am always happy to deal personally with any concerns or queries to clear up any issues you feel you do not fully understand.

Sincerely,

David Mond
Chief Executive Officer

Classificada 5 em 5 estrelas

Faultless

My IVA finished in December 2015, I received a telephone call in December to remind me that I had missed one payment during the 5 year period, I payed it there and then over the phone and I received my completion certificate within 14 days of the payment. I had an email from them in November telling me they were holding £500 for me from some PPI they recovered on my behalf this was payed to me without any hassle. I would advise you to sign any requests they ask of you because finally it will speed up you getting your completion certificate. GOOD LUCK!

18 de janeiro de 2016
Opinião espontânea
Classificada 5 em 5 estrelas

Excellent service

Heartily recommend ClearDebt. I have just finished my 5 year IVA, throughout this time I have dealt with several of the companies staff. All have been polite ,friendly and professional. When they have said they will do something they have done it. When I needed advice I always felt that they had my interests at heart. Anybody unfortunate enough to be in the same situation as I was 5 years ago should not hesitate to use ClearDebt.
Really a 5 star service.

13 de janeiro de 2016
Opinião espontânea
Classificada 1 em 5 estrelas

Satisfactory

I encourage people who are looking for debt consolidation management, tried Clear Debt. I was struggling to get my debts managed. Yes I tried my best to see how I can get things done, but it was hard for me. I was recommended to Clear Debt. It was a struggle with me to accept. they exercise patients with me, encouraged me all the step of the way until I finally got out of the struggle with letters comming through my door. Now I am paying my debt with ease and can save something.

15 de dezembro de 2015
Opinião espontânea
Classificada 5 em 5 estrelas

helpful, friendly and understanding

I was in so much debt and was struggling to put food on the table for my children. I called Cleardebt and they were so lovely, I dealt with a guy called Mackenzie Moore and he was so helpful and non judgemental, i felt so much better straight away. He wiped alot of my debt off and cut my debt outgoings massively! I would recommend this company to anyone that needs help.

15 de dezembro de 2015
Opinião espontânea
Classificada 5 em 5 estrelas

Excellent

I've been very impressed with this company. They charge less than the one I was previously with and were very thorough, and helpful. They really thought of everything and dealt with everything quickly and efficiently.

8 de dezembro de 2015
Opinião espontânea
Classificada 5 em 5 estrelas

Huge weight off my mind!

ClearDebt took all the stress and worry away! My IVA went through within 5/6 weeks of initial decision. My only gripe is that I rarely got through on the phone first time due to them being so busy helping other customers, so I used email instead.
But cannot fault the service I received, I am now in my first year of IVA and it feels so nice to know my creditors cannot harass me for more money as im making the payments i can afford!
10/10 !!!

7 de dezembro de 2015
Opinião espontânea

A Experiência Trustpilot

Qualquer pessoa pode escrever uma opinião na Trustpilot. As pessoas que escrevem opiniões têm direito a editá-las ou eliminá-las a qualquer momento. Estas opiniões serão exibidas enquanto uma conta estiver activa.

Contamos com uma equipa especializada e tecnologia inteligente para proteger a nossa plataforma. Descubra como combatemos opiniões falsas.

Leia mais sobre como processamos as opiniões na Trustpilot.

Aqui estão 8 dicas para escrever óptimas avaliações.

A verificação pode ajudar a garantir que são pessoas reais a escrever as opiniões que lê no Trustpilot.

Oferecer incentivos em troca de opiniões ou solicitá-las selectivamente pode distorcer o TrustScore, o que vai contra as nossas directrizes.

Saiba mais