Review Time
Unfortunately over the last month I have really struggled paying bills due to a massive decline in my health and losing working hours because of this.I am not entitled to SSP and have also been struggling to collect UC. During these times creditfix have been amazingly understanding of my situation and have helped me by working with me regarding payments, including giving me payment breaks due to being unable to pay all of my bills.The staff team are forever helpful and im extremely grateful for the way in which my situation has been treated. They have done everything possible to help me during this difficult time in my life. Today I would particularly thank Sarah Hoy who remained in the phone to me while we went through the refund process. She was reassuring and made sure all the steps that needed conpleting were done over the phone. Once again treated with the upmost respect. I am so glad I chose credit fix to work through my IVA they have been nothing but helpful over the last few years and their team are nothing short of amazing.
I have just got off the phone with Hannover. Credit fix. After 3 years of paying 90 pound a month into my iva I feel I was scammed into, I have just been told I now need to pay 300 a month, all that has changed is annual pay increase in line with cost of living. I've been worried about this happening after hearing other horror stories. Absolutely back to square one after paying over 3.5k, they will just terminate my iva.. do not even think about getting an iva with these.
Absolutely horrendous avoid this company, I paid off my Iva over 6 years and they have still not sent me my closure paperwork or updated my details, so my credit report is still bad, they have since told me it will take up to 6 months to finish my closure paperwork and update my credit file. As I say avoid this company.
absolutely shocking company currently in an iva due to end march 26 i owe 2k in arrears phoned them up to try and cone up an arrangement to clear them got told id have to pay it over 3 month which worked out at 770 pound a month they wanted to put me in further debt while i was already in debt cant wait for it all to be o dr
Initially was chased every few days about getting an IVA and going through options. Decided to proceed with the IVA. In May I get a letter saying it’s been accepted. I give them my bank details. They said extra payment at end as I gave it late. Which I accepted. Cancelled my Dd to creditors and find out it was never accepted. Trying to call and keep getting passed around and hung up on. When I got through asked to speak to a manager they said ohh it’s because is was driving and they couldn’t get me back. Well that’s bullshit I was on the side of the road. Not driving. Bad company don’t go with it.
Wish there was a minus stars, they claim to be there to help but never are. Chances are you’ll never actually be able to get hold of them and if you are lucky enough to get answered they hang up. Also you agree to a repayment price and they will always take more than the agreed amount Avoid Avoid Avoid!
After completing my IVA with Creditfix, I thought it was all done and dusted. I then still had two creditors chasing me (effecting my credit score), I tried to contact Creditfix recently by email multiple times, only for them to be ignored. I have had to resolve this issue separately with the creditors due to Creditfix vanishing into thin air. Stay well away from these if you are in financial trouble and go elsewhere. Communication is woeful!!!!!
I’ve had an iva with creditfix since 2021. After repeated phone calls that never get picked up and email that take weeks to get answered, I finally got a statement of what I’ve paid. To my shock, of the nearly £2.7k less than £150 has been paid to my creditors. Creditfix have stated that they took the rest for “administration costs” which is BS. I’ve now cancelled all payments to them and because of that, they’ve been blowing up my phone daily. Surprising their phones work when they want something, eh
Following a nightmare of debt, I reached Sanctuary. Professional advice, courtesy, and above all, the chance to talk to someone who clearly understood my predicament. I had struggles managing arrangements with creditors, threatening calls and so on. At last, a company that not only understood my situation, but made no judgement or criticism of my failures. I entered the IVA in 2020, and have now completed with my final payment in June 2025. I am now free of debt, and the relief that this brings is the most amazing feeling of freedom and the establishment of self respect. Throughout, I had support. I had no issues with compliance, the payments were affordable, and I was able to follow all my obligations as required. Today, ( for the first time in 5 years ) I am planning a holiday! The staff that I have dealt with have been extremely supportive. I have experienced none of the negative comments posted by some others. My experience has been positive, and the only point I would make is this. It is a matter of willingness to comply with the rules that makes your pathway straight forward and trouble free. An IVA is not a free ride and requires a comittment to succeed. My thanks to the Team ( all of them )
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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.
