Anyone use ClearDebt?

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Sb30

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Post by Sb30 » Fri Sep 26, 2014 11:19 pm
I've had no problems at all apart from an oversight which was that I'd offically finished May 14 but wasn't told this until this week as someone else had dealt with my paperwork and got confused. They let me miss a month and tag it on when my shower broke and I was never pressured into anything.

The paperwork was always on time and correct. I would recommend them to others if need be.
I became insane with long horrible intervals of sanity
 
 

oraCle

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Post by oraCle » Mon Oct 20, 2014 4:09 pm
I first got with ClearDebt in 2008 when they were called Abaccus or something, they have changed name at least twice since and I have lost track of how many 'advisers I have been passed through in that time. They had me on an unofficial debt plan and I paid them £100 a month that they were to split amongst my Creditors. After some time of noticing that my dues were hardly going down, I looked closely at the 'statements that Abaccus / Cleardebt sent me once in a while and realised that out of my £100 a month, they were keeping £29 back for so called 'Admin Fees' whether or not I have any contact with them through that month. I contacted them and did let them know of my discontent at finding that in the space of 3 or so years of paying them £100 a month or a total I thought to be £3600 towards my debts, they had kept for themselves £1044. So to 'shut me up@ and stop me questioning their 'Admin Fees, in 2012, they started the official IVA procedure for me and it was accepted by June. Not long after that, they contacted me about recovering PPI and I signed the Letter of Authority for them to proceed. After quite a few months I was notified that some PPI have been recovered and after paying whatever fees etc... the remaining allocated amount of £300 odd had been paid into my IVA.
Now, forward to this year and for the past couple of months or more, I have been hounded down on my mobile phone by a company called DRSP, who are based 1 floor below Clear Debt's own offices, and to whom, without my consent, Clear Debt have passed my details for them to chase me about PPI recovery. They ring me, they text me, they leave me voicemails even on Sundays! I once answered the phone to them and spoke to some guys who speaks in broken English and told him ClearDebt had already handled my PPI claims. He said he had been instructed by ClearDebt to contact me about it because they had found 1 credit Card with Santander that had PPI on it. I never had a Credit Card with Santander!! he would not take my word for it.
I told him to get the guy from Cleardebt to contact me directly or I would break the IVA off myself because I was so sick of their dodgy and poor service. ClearDebt did not contact me, but calls and messages from DRSP carried on so much so I have now switched my mobile off. I have now been sent more letters of Authority to be returned to DRSP on behalf of ClearDebt, and guess what, nothing relating to Santander / Credit Card is listed, just the 3 creditors that have been done already, so another lie it seems!
I am in 2 minds about returning these to either companies. To me ClearDebt have shown themselves from the start to be 'dodgy' and I can only pray that my IVA with them is actually legit, and hoping it is, I can't wait to see the end of it, in another 2.5 years. I have long stopped trusting them, and the fact that they have passed my contact details to another company, related to them or not, to hound me down daily is, to me, unacceptable.
I would not, ever, recommend them to anyone.

Sorry for the long post!
Smoke me a kipper, I'll be back for breakfast.
 
 

relieved33

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Post by relieved33 » Mon Oct 20, 2014 6:08 pm
We have IVAs with cleardebt. We have a letter about DRSP sometime towards the end of 2012 but had a letter first explaining why. It still took 18 months to complete even though we said there was no ppi.

We found them to be really helpful throughout and had a few blips along the way. DRSP must have sent us a tree in paper and we felt that quite a lot of this was duplication.

was an iva not discussed at the time you took out the DMP?
 
 

relieved33

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Post by relieved33 » Mon Oct 20, 2014 6:12 pm
We have IVAs with cleardebt. We have a letter about DRSP sometime towards the end of 2012 but had a letter first explaining why. It still took 18 months to complete even though we said there was no ppi.

We found them to be really helpful throughout and had a few blips along the way. DRSP must have sent us a tree in paper and we felt that quite a lot of this was duplication.

was an iva not discussed at the time you took out the DMP?
 
 

Foxy81

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Post by Foxy81 » Mon Oct 20, 2014 6:42 pm
Cleardebt are an excellent company who take a sensible approach to the completion process.

DRSP have asked for a lot of information some of it duplicated but in fairness they can only go off the info they were provided with in the first place.

It's very hard to dig up credit agreements from years and years ago
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