Review Time
4. Ask to have negative entries that are paid off removed from your credit reportYou may have a series of late payments on your credit report, or perhaps an old collection account that’s since been paid off still shows up. If this is the case, ask to have them removed. (And if you do have a collection account that’s unpaid, make this a priority. Unpaid collection accounts can negatively impact your score.)
This company is disgusting the IVA isn’t finalised and they take your payment out of your bank account £90 and now I’m fighting to get this money back which they took from me without finalising the IVA wouldn’t trust them and don’t give them your bank details!
Had a debt of just over 6k over the 60 months of payments plus the PPI payments I was awarded I ended up paying back over 10k. Don't believe this have some of the debt written off. Better to make agreements with the creditors yourself
I would do less than this if possible. I entered the Iva out of fear. I had lost a partner 7 years ago, and I had been left with one sizeable debt. That company had been great with me and a payment plan. Unfortubalty I listened to some poor advice that said unless I entered an Iva, they would eventually come after me for more money and maybe my house. Entered Iva in a panic as a student who over inflated work situation so I was accepted (worked overtime). Paid Iva now for 5.5 years. 8 month payment break in there due to job struggles. I pay £250 a month. Recently, my sister was diagnosed with cancer and she lives 200 miles away so I want to help her with childcare at weekends and drive there. I offered the full amount of £1900 to finish the Iva (from my mum) so we could travel and help her over the next 6 months of gruelling treatment. Zero compassion, zero support, and now they want £4900. Customer service is appalling, no reply to calls or emails and end up having to repeat the same thing over and over. I have done 3 new expenditure forms and bank stats in the last month, and I just get told my offer has been rejected give us more money. Even sent diagnosis proof. So no, don’t use them as in that 6 years, if anything changes for the worse - these guys will shaft you, for the better - still shafted! Ironically the debt that I had no longer is on my credit profile and I am told after 6 years it’s unlikely you would be pursued, and since I already had an agreement to pay just £20 per month, i had zero need for this mob.
Been with these guys a few years now, they took over from the company i originally took out my IVA with. The first review i had, the put £50 per month on to my repayments, even though my circumstances hadn't changed. Just before xmas i missed a payment due to needing to get a wisdom tooth out. I called them to inform them of this, to which i was told to pay £57.00 extra each month, which worked out over a hundred pounds more than the payment i missed. I told them to cancel my iva there and then, wrote them an email revoking any rights to my bank account or debit card, and as a final failsafe, i canvelled my debit card. Good job i did because the bast***s tried to take the mo ey anyway, which would hwve left me u able to pay rent. A week later i get a call from creditfix with an apology, so i stayed with them. I am now 5 months away from finishing my ive, i lost my job and was unemployed for six weeks. I haven't botherwd to contact them, but you can bet they have contacted me, with the same ols crap. I have contacted my debtors, who are happy to come to some arrangement. , i am proboly shooting myself in the foot, but its not about the money, its about being treated like a human. Stay away from these guys, and do not give them your debit/credit card details, they will take money no matter what your circumstances.
Having just rung to come to an agreement to clear my arrears (my bills have tripled in the last 3 months) when trying to explain my reasons for not paying, which were direct debit wasn’t taken and trying to pay on their app I got a soft decline message, I was trying to offer a sensible way forward, but the lady on the phone just wouldn’t let me speak when she asked me a question. I then said “ if you’d let me speak then I’m trying to offer a way forward to clear the arrears” she just laughed at me down the phone!!! Rude beyond belief!!!
I lost my job due to injury 3 months ago and no income and creditfix are not interested and only want full payment after saying they will reduce my payments.If you are thinking about using there services please think twice, 1 step forward 2 steps back!
This would have been no stars for the appalling service.trying to get a car and this shower of incompetence cannot give me a simple yes or no.i ring up,put on hold then the phone gets put down.this has happened repeatedly over the last 3 weeks but I bet if I stopped the money being paid to them then they would soon be on the phone to me.
Avoid , gangstersI have complained to this company many times . You will receive no written response , just phone calls that are I’ll informed and threatening . They do not help at all in reducing your debt . I’m six years of payments . On time and in full my creditors have recieved four minimal payments and now Creditfix want to extend my payments for a further year . I cannot pay this and was told to borrow money from friends or relatives . Do not believe any positive reviews . Apart from the initial conversations which are pleasant . Conversations are abrupt and unreasonable . Very little is put in writing . They will also keep your PPI claims and they disappear with no credit from your debt .
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CreditFix is a nationwide consumer advocacy firm dedicated to removing inaccurate and outdated information from credit reports to build consumer credit.
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