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| My circumstances: |
| I found myself living alone for the first time at the age of 25 with 20k worth of debt. After working 2 jobs for six months I gave clearstart a call to seek help with coming to an arrangement with my creditors. I had no intention of trying to offload any of MY debt. |
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| My interaction with
the company: |
| After being passed to HW for an IVA things went really quickly, and now 2 years down the line I would give anything to go back and think the whole thing through, spend time reading through websites such as this and decide properly whether an IVA was the best solution. |
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| Why I gave the ratings I did: |
| I rated them 6/10 beacause a) they scare the life out of me still and b) they have twice wrote and told me that I owe them 400 pund due to missed payments, which was not true. |
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| One thing they did - which I felt could be improved: |
| At my last review I sent them my three latest wage slips and my p60, they then wrote back to me a few weeks later to ask for the last 12 payslips as well!! It just seems like unnecessary grief to me. |
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| Other points |
| I am two years in right now and struggling to make ends meet. I still find life without a debit card really difficult, especially after giving up my car and living 10 miles away from my neares useable cashpoint :-) All in all though, despite my moaning I am in a better position than I would have been otherwise, I just pray the next 34 months fly by (or I win a lotto jackpot!!) |
