Debt Survival

Read 33 Reviews of Debt Survival to check if it is legit.

Website & Phone:
 http://debt-survival.co.uk

Beverly
5 years ago

I initally contacted Debt Survival (DS) at a time when I had recently been medically retired, due to chronic, acute health issues, which necessitated the use of strong medication. This medication, along with fragilities in other aspects of my life, affected my judgement and impaired my ability to make sound decisions.
At the time, my finances were critical and I was in danger of losing my home. My long term relationship also ended, so not only had my salary changed to a significantly lower pension, but total household income had also been reduced significantly. I had frequent admssions to hospital and my mental health suffered.
I was sedated most of the time and was not supposed to sign legal documents. Due to the cocktail of medication, and general chaos where my life had, once been my judgement was impaired.
I was told by DS that I should not contact any of my creditors, that they would take care of all corrospondence. This, they assured me, was their job, and reason for their monthly fee. I trusted them!
I paid an inititial fee and ongoing monthly admin fees, to DS. I did not receive monthly, or even annual updates on how my payments were being distributed, or progress reports on, what I assumed would be, the reduction in my debts.
DS did negotiate figures with my creditors, but not an interest freeze.
I discovered by chance, that one of my balances had been cleared. DS, continued to pay them, the agreed monthly figure. The overpayment was credited to me, when I by contacted the lender. It was a small monthly payment, compared to my other creditors, but for the 4 or 5 months I was paying money I didn't owe, I could have been making a small dent in my remaining balances, if DS had noticed and redirected it amongst my actual creditors.
I was furhter dismayed to discover that despite never missing, or being tardy with payments that one of my creditors had received their payment late, each month for, at least 12 months. DS told me, that it was because the date they requested the DD was too close to the date the payment was due! DS were asking me for 12 payments per year and I was paying 12, on the date we'd agreed, and they were paying the creditor, the payments were crediting a day or so prior to the statement; instead of showing as on time (or 29/30 days early, they showed as a day late EVERY month). This meant I was charged, a late fee every month (and received further negative credit points) as no interest freeze was negotiated despite paying circa 拢90 pcm, to this creditor, once interest and the late payment penalty were added, the amount owed often actually increased. DS, refused to accept blame, as "nobody had told them". I asked at the very least, they re-paid the late payment fees, they refused, but they did persuade the lender to refund two months' as a "good will gesture". I assumed, a DS agent checked that all payments had been made and received, by each party, every month. I was wrong, and this cost me dearly.
I expected DS to assist my "Debt Survival" (rather than having the debt survive), and to act on my behalf, and in my best interest, under the terms of the "Letter of Authority" I signed in May 2010.
Some 4 years, later after paying 拢400pcm, initially and increasing this figure to 拢450, I realised that at that rate, it would take about 50yrs to pay off the balances. I paid circa 拢16,000,and my debt only reduced,by about 拢4000 (not verifired)
DS DID agree reduced payments, with my creditors, and I stopped receiving worrying letters and calls. The ongoing interest, high management fee, and lack of attention to detail, meant that although things were looking better, in reality my position was not good.
I changed to a company who immediately negitiated an interest freeze on all balances
They update me, monthly by giving me a breakdown of exactly how much they have paid, on my behalf, and to whom. They only charge a small managemt fee. They also 'phone me every month before requesting the payment from the bank to ensure, I can manage to pay, and to ask if I've had any letters from creditors.
My 4 years with DS, were a VERY expensive lesson. I can't believe I paid so much for so long.
I've been with GWFS for 8 months. So far, my overall debt has reduced by just over 拢2,500. This is not vastly different from the amount my overall debt reduced by in 4 yrs with DS,
The one star rating does not mean, staff were rude to me.
Initially Jamie Townsend, handled my case, she was very efficient, and always returned calls promptly.
Natalie, was another story, although polite, she took 3 or 4 messages before returning a call. It was during Natalie's "tenure" that I noticed the overpayments to a customer to whom I'd paid my balance. I think that was sorted by the 3rd call.
She oversaw the comedy of errors with the payments that were so ealry they were consistently charged, as late from the previous month. When I complained about the late fees, she was verging on belligerent, and seemed unable to understand the problem, and what had almost been anger soon disolved into apathy.
The best employee in terms of effficiency, knowledge and honesty was Gemma. I didn't envy her, taking up where Natalie had dropped everything. She was, it seemed the company's best asset, if only they hadn't taken advantage of my vulnerability, and had actually been helping to clear my debt, the change in personnel was too late.

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Joseph
7 years ago

Debt survival are helpful, sincere & understanding. They could be a bit better with explaining in more detail/more clearly what they do & what effect this has on people in regards to their credit record though.

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Johnathan
7 years ago

I have had a repayment plan in place with Debt Survival for some 18 months and have always found them to be very helpful and polite. So don't struggle alone contact them and get the help you need and get a better night's sleep.

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Meghan
7 years ago

Don't struggle with debt call debt survival they are understanding helpfull and very friendly I would recommend them every time

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Randolph
7 years ago

full satisfaction with all the help that i have received from the company.will always let people know the services provided.

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Loretta
7 years ago

Once I handed everything over to Debt Survival, I stopped having sleepless nights, scared to answer the phone.
Now I have piece of mind, knowing that each month my creditors are being paid.

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Michele
7 years ago

I've been with debt survival for 5 years may be a little more and hey have been nothing but helpful whenever I've had any queries. Setting up the account was simple and made very easy.

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Kristin
7 years ago

i have never looked back since signing up to debt survival no more sleepless nights one easy payment that fits in with my wage pay date. your own personal debt manager of which mine is very helpful, friendly and easy to get in contact with,i wish i had done this several years ago instead of struggling on my own. A big thank you to debt survival.

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Jorge
7 years ago

i am having very good experience with debit survival ,

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Willie
7 years ago

Dealt with my problems without any issues and keep me up to date in all I need to know. Would recommend to anybody and everybody.

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Donald
7 years ago

well done debt survial .looked after all my needs allways helpfull when talking to some one .

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Ray
7 years ago

very helpful,polite and professional staff who you are speaking to all the time, they know your name and details straight away, no hanging on waiting for them to find your deails, would highly recommend them

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Clarissa
7 years ago

Debt Survival provide a very good service and I would recommend them to a friend.

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Kelvin
7 years ago

Debt survival have help me to pay back my debt with ease. with an amount which is affordable each month. The staff are there always to help and inform you of any changes which occur and sort out difficult moments. I would always recommend this company to anyone who needs this sort of help.

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Orlando
7 years ago

Debt Survival have taken the worry out of paying back my debts with manageable monthly payments without any hassle or debt collectors knocking at my door!

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Emily
7 years ago

Debt is a horrible cancer that eats into a lot of people's lives these days. Thank you for taking this opportunity to express my appreciation of the work done for me by Debt Survival. Thanks to them, a debt crisis which was the last thing I expected to have to face at my time of life and after years of gainful employment, has been managed and is I hope within sight of being eradicated . It has taken two and a half years and has involved realistic and sometimes painful decision-making. But throughout I have held on to an academic job, generated an income and have enjoyed some real quality of life. Could I have done this without Debt Survival's help? Perhaps, but more likely not. Hours spent hanging on telephone lines, deliberately ambiguous messages from creditor banks and answering letters whose tone seems to be calculated to intimidate, these are all aspects of the process which dispirit and discourage you if you are a private individual with work and family commitments. Debt Survival takes this burden off my shoulders, resulting in my receiving over 26 thousand pounds back from the PPI debacle, and the ongoing repayment of my loans which should be achieved finally within this financial year leaving me with NO DEBT other than a mortgage.

Debt Survival charges a fee which, if we are to listen to some voices, is exorbitant. Rubbish!! I say this is money richly deserved and I thank them again very much. To Jaimie (who has moved on now) and to Adrian and to Natalie and everyone else I've had the privilege to know, I will always be grateful to you.

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Devon
7 years ago

I found it to be very helpful to getting me back on track. It sorted me out and stopped people ringing for money as they could speak to Debt Survival instead. I am glad I used the service. The only downside is that I will be paying it back for years and years and they charge me 拢30 per month but it was much better than the alternative!

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Owen
7 years ago

I have been so worried for months now with my debts people ringing,
threating letters I never knowing what the hell to do it starts to take over your life.
it was by pure luck that I had just started my divorce I was doing this online for cost reasons, I filled in all my details for my divorce and at the bottom was the question do you have any debts this question was optional but I ticked the yes box.
A short time after my phone started to ring as usual I think debt collector but answer anyway it was a man from debt survival after a short conversation he told me debt survival could vastly reduce my repayments and finally put an end to what seemed like such a nightmare to me.
The bad letters and phone call stop within days I just set up a direct debit and debt survival do the rest it is that simple my payment to them leaves my account each month and that's it
I have never been happier thanks debt survival

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Darren
7 years ago

I found dept survivel very helpfull and I would have no problem to reckonmend them to my family and friends

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Karen
7 years ago

They have responded to all queries immediately, have dealt with difficult bank situations, and each time deal with bank reviews without causing me any problem.

I am grateful for them taking the hassle out of what has been a difficult time.

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Martin
7 years ago

Since Debt Survival have taken charge of my debt, I have been worry free. If have nasty letters from the debtors 9/10 times Debt Survival have already taken care of the situation. They have given me peace of mind that my debt is being dealt with as well as assuring me there's a light at the end of the dark tunnel I've been in for so long. I have been able to sleep better knowing my debt is being paid and that my balance is coming down and not going up with interest charges.

Thank you Debt Survival

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Alyson
7 years ago

I had credit cards and the bills were mounting, each month I struggled to pay the bill at times using one to pay the other. They get you into a corner and offer no help and you become destitute, scared of what you family would say when the truth came out in some ways leading you to taking your life and ending it all, upsetting loved ones and children never understanding why. Now that I am getting help from Debt Survival things are looking up no more credit cards, pay as I go if no money then dont get.

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Christi
7 years ago

Without debt survival I did not no what I was going to do I was at my wits end until somebody from debt sevival contacted me and they changed my life so so very great full for them thank you so much.

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Isabel
7 years ago

After getting into a spot of trouble with money I couldn't figure out how to get out of the situation. I was making my monthly payments as normal but I was only managing the minimum amount therefore I was only paying off the interest. After discovering debt survival I have never looked back. I now have a life again and I feel I can sleep well for the first time in ages. Thanks debt survival

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Kristin
7 years ago

I have been with this company for a while now and they are very friendly, efficient and know their jobs well. I was having sleepless nights and felt very low until I got in contact with Debt Survival. A few questions over the phone, a signature here and there and, boom, no more stress. I would definitely recommend this firm to anyone who was looking into a debt management plan. Excellent service!

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