Name: Creditfix
Address: 4 West Regent Street, Glasgow
Rating: 4.34

“Was contacted by creditfix to help with debt problems. Everything seemed great. Was told I could keep my bank account only to be to find out a few days before Christmas my account was frozen. Couldn’t pay rent, council tax or other bills. Communication with this company is horrific. Worst decision I have ever made. Would never recommend these idiots”

Helpful Report

Posted 7 years ago

I am sorry to hear of your issues you feel you have had through the process. We are always looking to improve our customer service and do take on any concerns from our clients. In the process of getting your IVA approved if you do have some form of credit/debt with your bank we will always advise the client to change over to a new bank and set up a basic account. When we put the creditor meeting ahead the bank will freeze all accounts with the clients name associated on these. If a mistake has been made and funds have been transferred to a frozen bank account our creditor hassle team can get this temporarily unfrozen for you to release the funds. If you do have any further queries or issues please do get back in contact with us on 08000431431 or contact us on our live chat : www.creditfix.co.uk

Posted 7 years ago

“The people on the phone are hard to understand they talk over u they said they would send forms to do my annual review didnt recieve them then got threatened if i dont fill them in within 7 days im in breach of contract. Got moved over from knightsbridge i never had any problems with them it would have been nice to stay with them but didnt have a choice dont go with creditfix i suffer anxiety and this company made it worse there a joke going to seek legal advice”

Helpful Report

Posted 7 years ago

I am sorry to hear of your issues you feel you have had through the process of the transfer. We are always looking to improve our customer service and do take on any concerns from our clients. In regards to the the annual review process, we have a quick process if you have internet banking which automatically generates the 6 months of bank statements and will save this as a PDF for the annual review team to manually review over. This is a secure process and none of your banking login details are saved. If a client does not have access to this then we can do the original process which is sending out a paper version to be manually filled in. If you do have any further queries or issues please do get back in contact with us on 08000431431 or contact us on our live chat : www.creditfix.co.uk

Posted 7 years ago

“So far i haven't had a good experience with creditfix. My account was recently taken over by this company and all i have had is one letter asking me to sign my consent. I did a lot of research when starting my IVA as its important to know what your getting yourself into as its for a long period of your life. I have never heard of this company and im just expected to sign and let them handle everything. I havent spoken to anyone, no one has asked me how i feel about it all, no one has phoned to see if im ok and handle things. Ive had a lady phone me three times asking to me complete an annual review but never actually got an email with the link. So i thought it would change tacts and chat to someone online and 5mins in the guys ended our conversation midway through a question! it is safe to say i am unhappy with the service i am getting!!!!!!!!”

Helpful Report

Posted 7 years ago

I am sorry to hear of your issues you feel you have had through the process of the transfer. We are always looking to improve our customer service and do take on any concerns from our clients. In regards to the the annual review process, we have a quick process if you have internet banking which automatically generates the 6 months of bank statements and will save this as a PDF for the annual review team to manually review over. This is a secure process and none of your banking login details are saved. If a client does not have access to this then we can do the original process which is sending out a paper version to be manually filled in. The new live chat system we have introduced onto the Creditfix website is a great system for clients to get in contact with ourselves if they are unable to speak on their phone. Unfortunately if there is a bad connection, the chat will disconnect and show as the live chat being closed. If this ever does happen please feel free to start up a new chat and out staff members will be able to continue the conversation with you. If you do have any further queries or issues please do get back in contact with us on 08000431431 or contact us on our live chat : www.creditfix.co.uk

Posted 7 years ago

“Iva with knightbridge worked perfectly, with only couple years left send off my annual statement, forgot to included a out going try to phone and told someone would ring back two weeks later and a few calls I have made to these people what a waste of time”

Helpful Report

Posted 7 years ago

I am sorry to hear of your issues you feel you have had through the process of the transfer. We are always looking to improve our customer service and do take on any concerns from our clients. If you do have any further queries or issues please do get back in contact with us on 08000431431 or contact us on our live chat : www.creditfix.co.uk

Posted 7 years ago

“Iva with knightbridge worked perfectly, with only 10 months to go i get transfered over to these clowns without any paperwork to inform me of this. When calling them they seem to have lost or not received any documents from KB regarding my iva. If i can send everything again or i will default on my iva....rude staff on the phone who wont allow you to finish a sentence if they actually understand a word you're saying. Keep repeating same thing over and over again "email us the documents or you default" never once been late with payments or documents for review. Now get an email if i can follow the link and fill in online banking passwords...dont think so....to many fraudulent scams out there as it is. Be glad when this is all finished. Wish i could have stayed with Knightsbridge.”

Helpful Report

Posted 7 years ago

Good afternoon Maurice, I am sorry to hear of your issues you feel you have had through the process of the transfer. We are always looking to improve our customer service and do take on any concerns from our clients. In regards to the the annual review process, we have a quick process if you have internet banking which automatically generates the 6 months of bank statements and will save this as a PDF for the annual review team to manually review over. This is a secure process and none of your banking login details are saved. If a client does not have access to this then we can do the original process which is sending out a paper version to be manually filled in. If you do have any further queries or issues please do get back in contact with us on 08000431431 or contact us on our live chat : www.creditfix.co.uk

Posted 7 years ago

“Have bean passed over to You very recently ( sadly ) by Knightsbridge , who were , and still are Brilliant , Helpful and always kept their promises . Within three days You have let Me down twice . I phoned You and was on hold for just under eight and a half minutes , then an electronic voice said ' Goodbye ' then Your line hung up on me I finally got through to You just one day ago and was ' promised ' by Your male colleague that He would phone Me back today at ten am whilst My Outreach Helper was with Me in case I got confused , which I do because of My Brain injury . We waited until twenty past ten then 'I' phoned You up and 'AGAIN ' was 'Promised ' that Colin would phone Me back this afternoon .. I waited until twenty past nine this evening AND STILL WAITING ... Nothing from You in calling Me ... You wan't Me to maybe 'introduce ' a Friend to Your company ? ... No No No Way ... If I was aloud I would spread on media how Bad You are ... But I won't Sully to Your standards”

Helpful Report

Posted 7 years ago

Good morning Kevin, I am sorry to hear you feel this way about your experience with Creditfix. I can see when you originally phoned the first time the customer service team passed you over to the relevant department to deal with your query. I have also sent over a request to the department to give you a phone back. In the mean time if you do have any further questions please do give us a call on : 08000431431 or use our new live chat system on our website: www.creditfix.co.uk Kind Regards Alistair - Creditfix

Posted 7 years ago

“Rude on the phone and ignore countless emails. All very stressful since IVA was took over from Knightsbridge, feel like I'm being pestered again or extorted. Just want the IVA to run its course.”

Helpful Report

Posted 7 years ago

Good morning Mitchell, I am sorry to hear you are unsatisfied with your experience. If you do have any queries regarding the transfer from Knightsbridge to Creditfix or have any further issues please do contact us on 08000431431 or use our new live chat on our website: www.creditfix.co.uk Kind Regards Alistair - Creditfix

Posted 7 years ago

“Credit fix is a joke took over from Knightsbridge . With creditfix you can't get them on phone . They send wrong paper work . Rude on live chat and don't reply . What a shitty company”

Helpful Report

Posted 7 years ago

Good morning, I am sorry to hear you feel this way regarding the transfer of your case from Knightsbridge to Creditfix. If you are still having issues with the above please do give us a call on 08000431431 or contact us on our live chat system: www.creditfix.co.uk . Kind Regards Alistair - Creditfix

Posted 7 years ago

“Firstly I receive a text message, which I discarded as I receive many from various credit recovery services. Then I received a letter saying that Knightsbridge are no longer looking after my IVA, which only has a year to run. When I contacted your customer services, I did not feel as though the agent had a clue what he was doing and eventually I was passed over to an other department, only to be told that I owe £5774.50 in arrears ! I have never been told of this, sent letters or asked to pay this amount, because I don't owe it. And that I would have to pay whatever you say I owe and that the IVA will stay in place until. Repay every penny! Three years ago was I diagnosed with prostrate cancer and had surgery, I have had some payment breaks they amount to 12 months payments. I had previously asked Knightbridge to contact my creditors and ask that my original date for the end of my IVA be allowed Then this morning I receive an e mail saying that my IVA chairperson advises me my IVA has been deneighed and that I face bankruptcy or money management payments this was dates Jan 2013 ! I was not with you then and indeed did not know of your existence. I was told this was sent in error this is just a circus I have been made to feel extreamly vonerable and upset. I was also told that I would have to produce letters confirming that I have cancer, these I supplied to Knightsbridge along with all my sick notes, really is this how you treat sick people ? I've been made to feel very depressed, upset, concerned and I'm now very worried about this situation? My experience seems to be mirrored by others too. I want this mess sorting out please”

Helpful Report

Posted 7 years ago

Good afternoon, I am very sorry to hear about your experience with Creditfix thus far. I would really like the opportunity to discuss this further with you to see if we can get to the bottom of this for you. We are currently reviewing your case to establish what has happened and will be in touch shortly. Customer Service is at the fore front of our business and we want to make sure that every client has a fantastic experience during the process. Feedback, positive or negative is helpful as this allows us to continually review how we are doing and improve. Please accept my apologize for any inconvenience caused and rest assured we will get to the bottom of this. Kind Regards, Adam Carey, Customer Service Manager

Posted 7 years ago

“I had my IVA with Knightsbridge I have 12 payments left & now this move over. To say I’m concerned is an understatement I had no correspondence from creditfix informing me of this change over. I called them after the texts I was receiving I thought it was just sales. They explained everything to me but the woman I spoke to talked over all I had to ask then at the end of the conversation prominently asked me if I was a home owner as at the end of the IVA this would be taken into consideration. This was explained to knightsbridge 4 years ago !!! To say I’m not happy with this is an understatement & I’m now very concerned about my house. Up to now I’m not filling out any correspondence from them I’m not impressed with The way this swop over has been handled it isn’t as though we don’t pay for their services to help us. !!! Not impressed .........”

Helpful Report

Posted 7 years ago

Good Morning Melanie , I do apologise for the customer service received to date. At Creditfix we strive to improve on our customer service, So any feedback is beneficial and is taken into account. We would like to resolve your concern in regards to your arrangement please do not hesitate to contact us on 0800 0431 431 to speak with an experienced advisor and or send an email to customerservice@creditfix.co.uk with any queries or concerns you may have. Thanks for your feedback. James - Creditfix

Posted 6 years ago

“i was with knightsbridge payments were 30th every month i noticed payment hadnt come out,phoned knightsbridge and paid over phone and told creditfix has taken over,then got text from creditfix saying im in arreas a day later even thou its stating creditfix took the payment on 30th,i have had no letter or aything to say its taken over from knightsbridge,its now on statement as creditfix if i hadnt of phoned knights bridge id be wondering who creditfix is and worrying,”

Helpful Report

Posted 7 years ago

Good Morning, I do apologise for the customer service received to date. At Creditfix we strive to improve on our customer service, So any feedback is beneficial and is taken into account. We would like to resolve your concern in regards to your arrangement please do not hesitate to contact us on 0800 0431 431 to speak with an experienced advisor and or send an email to customerservice@creditfix.co.uk with any queries or concerns you may have. Thanks for your feedback James - Creditfix

Posted 6 years ago

“Initially credit fix was all milk and honey, sorting out my finances but then their agents started to become very rude over the phone threatening if I don’t keep my payments everything I paid so fair I would lose and I would go to court , no a bit of understanding ir trying to find a solution their agents are worse than most creditors , already in process to raise complaints woth obdusman”

Helpful Report

Posted 7 years ago

Good Morning, I do sincerely apologise for the service you have received to date, We do appreciate you taking your time to provide feedback in relation to your experience as this further assists with us being able to improve on our customer service. If you have any questions please give us a call on 0800 0431 431 and or send an email to customerservice@creditfix.co.uk with your query and or any concerns you may have. Thank you for your feedback. Kind Regards James Febers - Creditfix

Posted 6 years ago

“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”

Helpful Report

Posted 7 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 7 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”

Helpful Report

Posted 7 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 7 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”

Helpful Report

Posted 7 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 7 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”

Helpful Report

Posted 7 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 7 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.”

Helpful Report

Posted 7 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 7 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”

Helpful Report

Posted 7 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 7 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”

Helpful Report

Posted 7 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 7 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!”

Helpful Report

Posted 7 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 7 years ago

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

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