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| My circumstances: |
| WORK IN OXFORDSHIRE HAD 48K DEBT 55K IN EQUITY. |
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| My interaction with
the company: |
| RANG DEEBT COUNCELLORS EXPLAINED I WAS STUGGLING TO MAKE ALL PAYMENTS ON TIME AND MATTER WOULD ONLY GET WORSE. THEY RECOMMENDED IVA.SEND £750 TO GET IT SORTED NEXT DAY SYNERGI PHONED TO SAY THEY WOULD TAKE ON OUR CASE,GREAT ,NOT, 5 MONTHS LATER LOADS OF GREIF OFF OF CREDITORS BECAUSE TOLD UNDER NO CIRCUMSTANCES MUST PAY ANYONE THEN COMES THE PROPOSAL,EXTEND AND KEEP PAYING FOR THREE YEARS AND THEN REMORTGAGE 75% OF THE DEBT. HMM BIT OF A SNAG THERE HAVE YOU EVER TRIED TO GET A MORTGAGE WHEN YOU HAVE DEFAULTED ON EVERTHING, ABSOLUTLY NO CHANCE OH AND WE DIDDNT EARN ENOUGH FOR THAT AMMOUNT |
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| Why I gave the ratings I did: |
THEY GOT 1 OUT OF 10 FROM ME BECAUSE THEY FAILED TO POINT OUT IN CLEAR INSTRUCTIONS HOW MUCH IT WOULD COST (DISPURSMENTS THEY CALL THEM 6000 OF THEM IN ALL.
THEY SET AN IMPOSSIBLE TARGET 35K REMORT WHEN I HAD NO CHANCE OF EVER GETTING IT.
8 MONTHS OF HELL, WILL THEY WONT THEY, WHEN ,CALL AFTER CALL PAY US ,PAY US . ALL THIS TIME WE WERE PAYING THEM 400 A MONTH |
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| One thing they did - which really
impressed me: |
| THEY REALLY HID THE FEES WELL AND ADDED ANOTHER 5K TO MY TOTAL DEBT. OH AND THEY ALWAYS KEPT TO COMPANY POLICY OF REPLYING TO MY REQUESTS FOR INFO WITHIN 14 DAYS!!! |
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| One thing they did - which I felt could be improved: |
PROPER DEBT ADVICE . NOT JUST TO LINE THEIR POCKETS.
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| Other points |
BEEN FINISHED TWO YEARS NOW . I OWE NO ONE ANYTHING. HOW?
WELL I SOLD MY HOUSE AT THE BEST TIME EQUITY WAS 65K . THEY TOOK 55K OF IT PLUS 6K IN FEES OVER 3 YEARS SO HAD TO PAY EVERYONE EVERYTHING,WHICH I DONT MIND AS I HAD SPENT IT IN THE FIRST PLACE ALTHOUGH IF THEY HAD TOLD ME AT THE START I WOULD HAVE TO REMORTGAGE COZ WE HAD EQUITY THEN I COULD HAVE DONE IT 3 YEARS PREV AND SAVED OURSELVES 13K AND NO BREAKDOWN
SO BEWARE THEY ARE IN IT TO MAKE LOADS OF MONEY NOT TO HELP YOU
CREDITORS WILL MAKE CRAZY OFFERS TO KEEP YOU PAYING THEM SO PHONE THEM ALL FIRST AND EXPLAIN THE SITUATION YOU NEVER KNOW
OH BY THE WAY THEY MADE MY CREDIT RATING SO BAD THAT 2 YEARS ON I STILL CANT GET ANY CREDIT OR ANY DECENT RATE FOR A NEW MORTGAGE AND ALSO REMEMBER IF YOU SELL UP THEN YOU HAVE TO RENT AND BECAUSE OF A BAD CREDIT SCORE THEY DONT WANT TO LET TO YOU.
SO DONT BELIEVE THAT IN ONE YEAR ITS ALL CLEAR COZ IT AINT IT STILL SHOWS UP NOW
I HAD TO PAY UP FRONT 12 MONTHS IN ADVANCE
THANKS SYNERGI REALLY GOOD ADVICE |
