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Creditfix Reviews

4.3 Rating 1,941 Reviews

83 %

of reviewers recommend Creditfix

Company Reviews

4.3

Based on 1,941 reviews


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

Visit Website

Phone:

01415651300

Email:

customerservice@creditfix.co.uk

Location:

4 West Regent Street
Glasgow
g2 1rw

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Creditfix 5 star review on 22nd March 2024

Creditfix 5 star review on 9th February 2024

Creditfix 5 star review on 19th January 2024

Creditfix 4 star review on 1st November 2023

Creditfix 5 star review on 19th October 2023

Creditfix 2 star review on 3rd October 2023

"JameS Cliford "

Creditfix 5 star review on 23rd September 2023

6

Anonymous

Anonymous // 01/01/2019

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

“This review is from the children of a deceased credit fix customer, his initial £44,000 debt only had 18months to run , he'd had 2 or 3 PPI payments which reduced his payments from £340 to £77 , unfortunately my father died with 18 payments to make, there has been a mixed response to his death from credit fix, 3 of 5 people that we have spoken to would allow the debt to die with my father, however the other vultures are insisting that regardless of what s been paid in the past we are now liable for not just the £44,000 but an extra £13,000 in interest, please people if you do nothing else with your life at least read this review and learn from it , credit fix do the right thing and allow this debt to rest with my father Gary, chatham”

Posted 6 years ago

Good morning Mr Chatham, I am really sorry to read of your experience with Creditfix so far. I would like to discuss your review further with you to understand what's happened. As I don't have any contact details for your can you please contact me on 08000 431 431 or email me at customerservice@creditfix.co.uk. Please make your email for the attention of Adam Carey, Customer Service Manager. Kind Regards, Adam Carey

Posted 6 years ago

“they're money grabbers, i informed them taht as a single parent i couldn't afford £87 a month whilst i'm on benefits with the likelyhood that i wouldn't be returning to work and they still badgered me for the money every month, no compassion all they want is the money”

Posted 6 years ago

Good afternoon, I am sorry to hear you feel the service is not up to standards, In regards to the monthly contributions, we need to review your income and expenses on behalf of the creditors if there is a change of circumstances. This is because we need to show evidence to the creditors why the client can not afford the original dividend that has been proposed. Untill we have this processed we can not decrease the monthly contributions or supply a payment break. If you do have any other issues please do get in contact with us on our number: 08000431431 or on our live chat: https://www.creditfix.co.uk/ Kind Regards Alistair - CreditFix

Posted 6 years ago

“Creditfix were very helpful while I could make payments but when I injured my back 3 years into the plan with a perfect payment record and was only in receipt of £99 pw they were asking for £160 pm and told me if i miss 3 payments it would be cancelled as i did not know if or when i would work again. When I started with this company I was told my payments would rise or lower with my income sadly this is not the correct information. So i would definitely not recommend this company unless you are guaranteed to have an income to keep your payments up for the whole term. Terry Ponsford”

Posted 6 years ago

Good morning Terry, I am sorry to hear that you feel this way, in regards to your payment plan we can lower the payments for the monthly contributions to a certain level but after this certain level (%15) we would have to come to a variation meeting with the creditors for them to vote wither to accept this decrease or decline, generally creditors will accept but they would require a further extension on the arrangement depending on the amount of the decrease. We always try advise to only do this if necessary due to the possible extensions. If you do have any further questions please do not hesitate to phone us on: 0800 0431431 Kind Regards Alistair - Creditfix

Posted 6 years ago

“POOR communication. 4 years in and now back to sleepness nights thanks to qualifying for a second charge mortgage. So in the end we end up with a loan so you can get your money, back to owing the same money we started with! Do not bother with them, I'm now back in a dark hole”

Posted 6 years ago

Good afternoon, I am sorry to hear that you feel that communication has not been satisfactory. In regards to the second charge mortgage, this would only be accepted if it is seen that the clients equity on their property is over a certain level. This only occurs if the clients at equity 85% LTV. If you do have any other questions please do no hesitate to phone us on: 08000431431. Kind Regards Alistair - Creditfix

Posted 6 years ago

“Once the IVA was rejected, Creditfix appeared to have no further interest in the matter. Failed to reply to numerous emails from myself, as well as failing to reply to requests from my creditors that contributed toward my IVA being rejected. Have acted unprofessionally and unsatisfactory.”

Posted 6 years ago

Dear Mr Wright, I understand that you have raised your concerns direct with this office and our Compliance Team are currently reviewing your case file and will respond direct to you in respect of this matter. Regards Alistair - Creditfix

Posted 6 years ago

“They did nothing for me. But take my money, they did not help my credit at all, I'm still. Waiting on the dispute letters to arrive in the mail, they never updated me as to what was going on,, I called customer service number left message never got a return call,,, however when I called the number for the billing department they answered the phone”

Posted 6 years ago

Good morning Todd, In regards to our customer service phone number, we do not have a voice mail system. Our lines are open from 8:30 am to 8 pm Monday to Thursday and 8:30 to 6 pm on Friday. I have had a look on our database and I can not find you on the system. Please do get in contact with us on : 0800 0431 431 Regards Alistair - Creditfix

Posted 6 years ago

“If i could rate 0 i would very bad experience with creditfix and they keep all your money and they dont tell clients before the arrangement is in place that creditors will not get a peent for 12 months and all the money paid in would go to their fees first before sending monies to the creditos avoid at all costs it has coat us £1000 before i saw them for what they are money grabbing theives promises that they dont live up to refused on number of occasions to help and even after i told them that i was not happy with the arrangement they still took my payments every month”

Posted 6 years ago

Dear Mrs Reid, I note from a review of your case file that your arrangement has been terminated, at your request, and that your complaint was dealt with, in accordance with our internal policies. Please note, that if you have any additional issues that you wish to discuss then you should contact our complaints department. Regards Alistair - Creditfix

Posted 6 years ago

“Staff reading from a script, not able to pass onto someone more superior. Then refused to pass my concerns over to a manager. Very rude staff and unhelpful. Too concerned with getting their own payments than helping you out. Avoid them!”

Posted 6 years ago

Good afternoon, I am sorry to hear of your issues, in regards to the compliance calls our staff members will have the legal text in front of them. In regards to speaking to a manager if a client wants to speak to a manager we will always put a manager forward to answer the questions you will have. If you feel some one has been rude to you on the phone are more than happy to get this investigated. If you have any other questions please do contact us on : 0800 0431 431 Regards Alistair - Creditfix

Posted 6 years ago

“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.”

Posted 6 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 6 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”

Posted 6 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 6 years ago

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

Posted 6 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 6 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 .”

Posted 6 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 6 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”

Posted 6 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 6 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.”

Posted 6 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 6 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.”

Posted 6 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 6 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”

Posted 6 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 6 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!!!”

Posted 6 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 6 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”

Posted 7 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 6 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”

Posted 7 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 7 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”

Posted 7 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 7 years ago

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Creditfix is rated 4.3 based on 1,941 reviews