Creditfix Reviews

Name: Creditfix
Address: 4 West Regent Street, Glasgow
Rating: 4.21

4.2 Rating 2,064 Reviews

80 %

of reviewers recommend Creditfix

Company Reviews

Questions

Metrics

4.2

Based on 2,064 reviews

Customer Service
Communication Channels	Telephone, Email
Queries Resolved In	Over A Week

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Phone:

01415651300

Email:

customerservice@creditfix.co.uk

Location:

4 West Regent Street
Glasgow
g2 1rw

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Creditfix 1 star review on 21st August 2026

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“They charge you for their service. Go to Stepchange debt charity. They do the same thing but don't leech of your already dire personal financial situation.”

Helpful Report

Posted 9 years ago

Good afternoon Richard, The fees that come into creditfix are paid by the creditors when we propose the arrangement. Instead of you paying the full amount of the debt to the creditors you will be paying a reduced amount based on your affordability. If you do have any other issues please do not hesitate to give us a call on : 0800 0431 431 or email us at : customerservice@creditfix.co.uk Regards Alistair - CreditFix

Posted 9 years ago

“Our Iva was taken over by credit fix from Mitchell Farrar not our choice. My Iva statement tells me I should have been contacted in Feb 2017 by them about our account . Nothing ..no contact so I contacted them last month June 2017 ( we had been looked over ) thank god I checked my paper work or maybe they would never have contacted me !!!!!!!! Now on month 59 out of 60.Just called them to to be told my case work is far to busy to take my called give it 24 hours for a call back. This is people's life's we have paid our dues month in and month out continually without fail or default.Whatever the outcome should be important enough to to give us an update on our case.Not feeling this Creditfix”

Helpful Report

Posted 9 years ago

Good Morning Joanne, I am sorry to hear of the issues you had. In regards to the no contact we do apoligise, when it comes close to the end of the arrangement we do review these cases so it would not of been missed out, our payment system will only take payments for the months allocated. I can see when you phoned us we were busy with the mass of calls. If you do have any other issues please do not hesitate to give us a call on : 0800 0431 431 or email us at : customerservice@creditfix.co.uk Regards Alistair - CreditFix

Posted 9 years ago

“Absolutely awful at the moment right hand doesn't know what left hand is doing. Would not recommend!!!”

Helpful Report

Posted 9 years ago

Good afternoon Michelle, I am sorry to hear you have been having some issues regarding your arrangement. If you do have any other issues please do not hesitate to give us a call on : 0800 0431 431 or email us at : customerservice@creditfix.co.uk

Posted 9 years ago

“This is Hilarious- Anyone can review on her and I'd imagine all the 5 stars are the company themselves . I'm at the beginning of an IVA and have no confidence as I have spoken to 8! Different people none of which knew what my situation is as no one left any notes.... I' m gonna head to citizens advise .”

Helpful Report

Posted 9 years ago

Goof morning, Im sorry to hear of your issues , please do get in contact with us and we can resolve any issues or queries you have. Our number is : 0800 0431 431 or you can email us at: customerservice@creditfix.co.uk. Regards Alistair - CreditFix

Posted 9 years ago

“Very good at the begining but on a feew occasions had to phone and found some of them rude and unhelpfull and speak to you llke dirt im thinking of leavin g this company and going somewhere else”

Helpful Report

Posted 9 years ago

Good morning, I am very sorry to hear of your issue , if you have any questions or issues please do not hesitate to give us a phone on: 0800 0431 431 or email us at: customerservice@creditfix.co.uk and we can review this for you further. Regards Alistair - CreditFix

Posted 9 years ago

“My IVA was sold from DSC to CreditFix in December of last year. They climbed over themselves to call me and tell me the fees were increasing from 15% to 23%. I have never received such poor customer service anywhere before. Firstly I called them to handover 50% of my annual bonus, that took 2 days to organise. I then completed their online expenditure review in April and I've had to chase in June now for a report. This has taken about 6 phone calls, and all I've received is a work of fiction around the amount of money I've paid into my scheme. I also have no knowledge of the disbursements that have been paid to my creditors. All in all, I have received nothing for the 23% that CreditFix are milking from this scheme. Phone call are never returned, the service is dire.”

Helpful Report

Posted 9 years ago

Good afternoon Trevor. Im sorry to hear of the issues you have had. In regards to the fee increase this is taken from the creditors reduced debt repayment scheme in the IVA. In regards to the online annual income and expendidure review, i do apologise for the delay on the response from the review and that has been looked into. For the dividends being paid to the creditors if you phone us on our customer service number we can supply you with the dividends that have been paid to date. Our number is 0800 0431 431 Regards Alistair - CreditFix

Posted 9 years ago

“My husband went through process of an iva to then be told it was not approved. You then continued to call my husband, why we have no idea? My husband told you that everything is to be cancelled because it was not approved anyway and what do you do..take money from his account which has now left us short for other bills. I don't suppose he will be able to get hold of you regarding this, or get his money back because noone answers the phone when we need to get in contact.”

Helpful Report

Posted 9 years ago

Good afternoon Jo. I am sorry to hear of the issues you had, in regards to a payment being taken you can get this refunded if the IVA was not approved. If you have not already got in contact with us please do call on 0800 0431 431 and we can get that refunded to you, and if you need any help in regards to what would be next step to go for we can also advise on that. Regards Alistair - CreditFix

Posted 9 years ago

“Different issue. How can you trust a company with your finances when the cant/wont keep their promises to stop making unsolicited marketing calls or do not send promised emails Kindest thing that I can call them is a cowboy outfit IMO”

Helpful Report

Posted 9 years ago

Good afternoon Jan. I am sorry to hear about that, if you could supply your number we can get you number removed from the system or if you phone up the number 0800 0431 431 we can also get that removed. Regards Alistair - CreditFix

Posted 9 years ago

“Do not start anything with this company. I have been paying them regularly every month £150 and they haven't paid a penny to my creditors. They 've lied to me that my car can be included in I'VE and now my car has been 're possessed. Most of my creditors are chasing me for payments through debt collectors. I'm in a worst position then I've been before signing with CreditFix. And as well CreditFix are ignoring all of my communications with them. I have now filed an official complaint with Obudsman and Trading Standards. STAY AWAY FROM CREDITFIX!!!”

Helpful Report

Posted 9 years ago

Good afternoon. After our last conversation and correspondence I am glad this issue regarding the car being added to the arrangement is now resolved. If you do have any other queries please contact us 0800 0431 431 Regards Alistair - CreditFix

Posted 9 years ago

“After one year, not one penny paid to debts, all monies remained with creditfix. Avoid at all costs. Now in process of starting formal complaints procedure against them”

Helpful Report

Posted 9 years ago

Good afternoon . It is arranged in the agreement with the creditors and creditfix that generally dividends are needed to build up till about month 6 - 12 dependent on the contributions paid into the arrangement for the dividends to then start being transferred to the creditors. If you are receiving any issues from the creditors in regards to this please to get in contact with us on 0800 0431 431 or send over a copy of the letters to our customer service email address customerservice@creditfix.co.uk. Regards Alistair - CreditFix

Posted 9 years ago

“Worst customer service ever! They messed up my plan and now won't reply to emails but are quite happy to keep sending me emails in capitals. My plan with them should have come to an end in January so the standing order stopped because they didn't amend it as they had extended my plan because I received a tax rebate. Now I owe them the balance of my tax rebate. However I have asked questions which have gone unanswered and despite it saying on my account I am not contactable by phone during the day they insist on calling during the day. Not happy with this bunch of thieves and liars wouldn't recommend them to my worst enemy”

Helpful Report

Posted 9 years ago

Good Morning Carron, I am very sorry to hear this. I have been trying to contact you & I have also emailed you, however, I have not been able to reach you. Could you please advise when you will be free to discuss this? Kind Regards, Lucy - Creditfix.

Posted 9 years ago

“I find this company very unhelpful. First I rang them a few times to keep telling them the money hasn't been being taken from my bank account and they tell me it has been and then a few months later they ring me telling me it hasn't been being taken it had been being taken from someone else's bank account and going off ours not there's. Then I had 2 debts added to the iva which were from 12 years ago and also fraudulent and they won't remove them even though it's been reported to action fraud and it was reported the 12 years ago that it happened. I got told it was going to be removed and then they asked for proof which I dont have as it was so long ago and they still haven't got back to me”

Helpful Report

Posted 9 years ago

Hi Michael, I am very sorry to hear this has been the case. Would you be able to provide me with further information about yourself, so I may resolve this matter for you? Kind Regards, Lucy - Creditfix.

Posted 9 years ago

“you tell me. did everything I was told to do. did that.an still u phone up on a bank holi Monday.an before that u send me email about my early arrears.WHICH THERE ARE NONE.Also I have so many UNNAMBED phone calls,why DONT U NAME YOUR COMPANY?Are u so unsure of yourself.As far as im concernd IM CLEAR.Not inpressed at all with your service bearing in mind how much you are claiming.”

Helpful Report

Posted 9 years ago

Good Afternoon John, I am very sorry that you feel we have not dealt with your case efficiently. I am more than happy to discuss this further with you if you are free to do so? Kind Regards, Lucy - Creditfix

Posted 9 years ago

“Very poor explanations and never get back to you as promised. I have been calling and emailing for over a month and I have had nothing but failed promises if call back and emails. I get a different answer every time I phone them with the same query and after being given false information regarding trying to exit my trust deed by offer of a settlement, I was advised incorrectly. After going through and providing them with everything the asked for, I was told that I could not pay the trust deed off and that I would have to pay the full balance+interest and their fees. I then asked for the figure for all of this and that was 2 weeks ago!!! Complete farce, I sent emails to customer services and all I get is a blunt reply. Completely unprofessional.”

Helpful Report

Posted 9 years ago

Good Afternoon, I sincerely apologise that you have received this breakdown in communication. If you would be able to provide me with your name, I can contact you to resolve this matter for you. Alternatively, if you can call or email on 0800 0431 431 / customerservice@creditfix.co.uk and I will be able to resolve this for you. Kind Regards, Lucy - Creditfix.

Posted 9 years ago

“not recieved statement last tw years”

Helpful Report

Posted 9 years ago

Good Afternoon, If you could please call our Customer Service Department on 0800 0431 431 or alternatively email your details to customerservice@creditfix.co.uk we will be happy to resolve this for you. Kind Regards, Lucy - Creditfix

Posted 9 years ago

“I investigated to possibility of an IVA and then confirmed I did not want to go ahead with it well in time for the hearing on the 30th. Since this time I have had letters from my credit card providers stating they have frozen my account. It took me sometime to put this right but I have as I do not have any missed payments and I have credit which I need. Especially as, although I received an email cobfirminf my case was ceased, I get an email today telling me £85 has been taken from my account for my 'arrangement'. This will give me hardship and an immense amount of stress far more than experience prior to contacting Credit-fix!”

Helpful Report

Posted 9 years ago

Good Morning Teresa, I am sorry to hear you felt the IVA was not the best option for you. Unfortunately, we must inform Creditors when you request a meeting to be held, this is why they have frozen the account. Due to the cancellation being processed for you, we would have been able to get these accounts unfrozen for you. I can only apologise for any inconvenience this has caused and that a payment has been taken in error. I can contact you regarding having this refunded if you would like? Kind Regards, Lucy - Creditfix

Posted 9 years ago

“Don't go any where near this company wast of time stay away”

Helpful Report

Posted 9 years ago

Good morning, Is there something I can help with? If you would like to talk to me about some of the points raised in your review then I would be more than happy to do so. You can contact me at customerservice@creditfix.co.uk or call me free from landlines & mobiles on 08000 431 431. Kind Regards, Adam Carey, Customer Service Manager.

Posted 9 years ago

“So much for being debt free after 4 years”

Helpful Report

Posted 9 years ago

Good morning Alison, Is there something I can help with? If you would like to talk to me about some of the points raised in your review then I would be more than happy to do so. You can contact me at customerservice@creditfix.co.uk or call me free from landlines & mobiles on 08000 431 431. Kind Regards, Adam Carey, Customer Service Manager.

Posted 9 years ago

“My experience with credit fix has been absouloutley disgusting. they tell lie after lie after lie. I had an arrangement with them for five years and had to pay £102 per month. was told that my creditors would not contact me but they have done for past two years since being in the arrangement. good job they did in away the balances have not gone done in the whole two years some of my creditors had not received any money at all. what were creditfix done with the money I paid in???? in total have paid over £1400. then I got into some financial difficulty and was unable to pay the monthly amount. they said they would get the arrangement extended. I contacted them numerous times to discuss my situation and often never got a reply . then I was getting letters saying they were going to cancel my arrangement and that all money iv paid so far would be lost and would go into fees for themselves. how is that fair? they said they had not heard from me which was a lie I have still got the 3 emails on my laptop that was sent to them and never got a reply. also had rang up numerous times to discuss my situation as at one stage I had no money coming into the household due to unforseen circumstances they knew this and said they would help but didn't . PLEASE avoid this company at all cost. THEY ARE LIARS”

Helpful Report

Posted 9 years ago

Good morning Anna, I am really sorry to hear that you are unhappy with certain aspects of the service you received whilst with Creditfix. If you would like to talk to me about some of the points raised in your review then I would be more than happy to do so. You can contact me at customerservice@creditfix.co.uk or call me free from landlines & mobiles on 08000 431 431. Kind Regards, Adam Carey, Customer Service Manager D

Posted 9 years ago

“creditfix lie from the start originally was going to be over 5 years then they made it six. was told I needed to release equity from the house or extend for another two years making eight in total. speak to customer services they cant find original proposal (suits them). I could have re-mortgaged at the start made agreements with creditors and been debt free by now any one with debt problems try citizen advice for best free guidance”

Helpful Report

Posted 9 years ago

Good afternoon Mr Moss, I am really sorry to hear that you are unhappy with certain aspects of the service you received whilst with Creditfix. If you would like to talk to me about some of the points raised in your review then I would be more than happy to do so. You can contact me at customerservice@creditfix.co.uk or call me free from landlines & mobiles on 08000 431 431. Kind Regards, Adam Carey, Customer Service Manager

Posted 9 years ago

Creditfix is rated 4.2 based on 2,064 reviews