Excellent communication skills Excellent communication skills, listened and explained what still needed to be completed i.e. my statements not received so agreed to send tomorrow.

Thank Raheem Latiff Thankyou Raheem Latiff a great service by you and your team. I was not in a good place financially and when you answered my call I felt very comfortable and you gave me options which you put no pressure on. I am very grateful that you have been able to assist me to get back on track. Thankyou for a prompt professional service thankyou for not judging me and been very understanding.

When it comes to annual reviews they… When it comes to annual reviews they will always try to get more money out of you. This time they are asking for money as I got a small bonus at Christmas,so I sent an extra 3payslips showing that I also received less pay (£1500 in total) as I had been off with depression and on top of this high inflation rates. This does not make any difference to them, they just to get as much money out of you andpressure you by saying you will fail your agreement. I would use a different company to help you, wish this was better than I thought it would be but when they try to take more money from you even when I took home less it's not fair.

PLEASE DON'T USE THIS COMPANY ... EVER They set me up paying £250 a month for 5 years in 2019, not affordable but I did it somehow. After 2 years they said I could reduce it, but had to increase from 5 to 6 years, I didn't want to extend but ended up agreeing. The following year they reduced it again because their calculations deemed I was paying more than I could afford, but there was no mention if it extending further this time. One of my debtors continued to chase me for their debt for the first year, despite agreeing to the IVA and agreeing not to contact me, all correspondence was forwarded on to deal with, unknowingly I ended up with a CCJ from them in addition to them being included in the IVA, which should never have happened. Creditfix customer service staff called me stupid and said there is no CCJ, then after providing evidence took 6 months for them to finally accept it was in place telling me it would disappear when the IVA was discharged - that is completely incorrect. They then told me it would be removed within 4 weeks, no surprise but 4 months later it's still in place. It has taken over 12 months to raise a complaint, of which I still have not been given a reference number for or an update, yet they expect me to believe my complaint will be resolved in 8 weeks, with 4 weeks already passed. Additionally without my knowledge they have extended the term for a further 1 year and 4 months, increased my monthly amount, said I cannot reduce the term 'because that's not how it works' so I will now be paying almost £4k above the initial debt I went to them with - so much for some of the debt being written off. I have had no choice but to contact a solicitor. Please please if you are considering an IVA research thoroughly and do not under any circumstances use Creditfix they have broken me and I have at times been too low for words.

Started my IVA journey with Vanguard Started my IVA journey with Vanguard, which then got passed to Ebengate, which now I receiver emails from Creditfix! 3 different providers all getting my details! After 6 and a half years (1 year extended as I own my home) 6months the charge is STILL ON MY PROPERTY. I've chased up chased up phone calls emails they're dragging it out . Land registry have been amazing and said its down to them! And they're just saying be patient??? 6years it's meant to be, not 6months after. I want to move on with my bloody life! Can't do naff all til they've removed it. And I got solicitors breathing down my neck why it's taking so long! Unbelievable DO NOT GET AN IVA WITH CREDITFIX staff lovely to talk to. But the whole process after they've been taking your money for years is shocking.