Debt Survival
Read 33 Reviews of Debt Survival to check if it is legit.
Website & Phone:
⇗ http://debt-survival.co.uk
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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Now I have piece of mind, knowing that each month my creditors are being paid.
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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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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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I am grateful for them taking the hassle out of what has been a difficult time.
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Thank you Debt Survival
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