123 Debt Solutions Reviews - www.123debtsolutions.co.uk

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★★★★☆
3.9 / 5
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Latest Reviews

★☆☆☆☆

“Do not use ”

Written on: 17/10/2014 by WellbeingServicesLtd (1 review written)

I had a Debt Management Plan with 123 Debt Solutions for 2 years and I paid them £1,555.60 and they took £827.40 in their charges. One month my payment was late by two days and they charged me a £20.00 fee. For 6 months I reduced my payment down to £50.00 a month because I had started a new job but they were still charging me a management fee of £30.50. Over half of my payment was charges. Also I was still receiving letters from my creditors every month informing payments hadn't been… Read Full Review

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★☆☆☆☆

“i set up a payment plan witht them for about £150 a...”

Written on: 28/07/2014 by apDwyer375 (1 review written)

i set up a payment plan witht them for about £150 a month, the guy on the phone was nice and friendly and very convincing, he told me if i ever wanted to come out of the plan just not to go through with it witch is what i had done,i did speak to someone about cancelations of my plan but all i had to to was send a letter to them saying im cancelling it, now they send me txts every day at stupid oclock saying i owe £150 but they did not contact any creditors or do anything atall to help me so… Read Full Review

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Lotty1977's Comment

Written on: 12/08/2014

If you do end up in court let me know what happens, I cancelled my contract with them due to breach of contract on their side and they refused to give me my money back. They are an awful company who give a terrible sevice

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★☆☆☆☆

“worst debt management company”

Written on: 21/07/2014

All I can say us don't use this company they are unproffesional and don't want to help you they just want your money. They took £300 from me for doing nothing they did not contact my creditors or even pay any money to them. They claim its an admin fee (for doing what) nothing with so many companies doing a better job for free there should be no need to pay these people who are making a living out of duping people into thinking they are there for help. I think the good reviews on here are done… Read Full Review

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★★★★★

“Excellent, professional service”

Written on: 27/06/2014 by 214Donovan (1 review written)

I would like to take this opportunity to thank the whole team at 123 Debt Solutions for the way in which I and my wife have been treated, you have been supportive, helpful when ever we needed advice, professional at all times and above all treated us as human beings which is something lacking with many creditors. once again, a huge thanks… Read Full Review

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★★★★☆

“structred management systems in place”

Written on: 10/06/2014

I am satisfied with their management system and the general interest shown in customer care. They are trustworthy… Read Full Review

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Lotty1977's Comment

Written on: 17/06/2014

So you work for them then

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★☆☆☆☆

“Do NOT go with this company”

Written on: 28/05/2014 by GavenLindsay (1 review written)

When I found myself in debt due to various things I thought the sensible thing to do was to make a debt management plan. When I up 123 debt solutions the person on the phone made it sound great, so I set up a plan with them. I asked them to make sure they only took payments out on a Tues as I rarely use that account so only a small amount of money went in there. They said that was fine. Once they started taking funds out they were taking it out on any day they felt like leaving me to pay bank… Read Full Review

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★☆☆☆☆

“Unprofessional”

Written on: 10/04/2014 by lotty1977 (2 reviews written)

This comany is an absolute joke. I fould myself in financila difficulty so contact them. The man on the phone was very nice explaing the monthly fees but he neglected to inform me they would charge £100 for the set up fee. I also advised them I dide not want my parents to find our about my situation as I lived with them. Set up pack came through all fine but did not notice the set up fee. The I started getting bombared with letters but worse of all you could clearly see it was a debt solutions… Read Full Review

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Lotty1977's Response to lotty1977's Review

Written on: 14/04/2014

So on Friday I received an email from them advising she has submitted my refund but it was down to the managemnt approve it. Surprise they did not authorise it. I have now contact citizens advise and informed 123 i am looking to start court action to recover the money they have taken to do nothing on my behalf £300 day light robbery. To say I am gobsmacked that a company that is supposidly here to help people in debt can be so ruthless when it comes to there msiatkes. So next step will be to go through the courts I am not giving up on this and will ensure they also pay for bank charges inccured for being overdrawn I will kepp you update

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Lotty1977's Response to lotty1977's Review

Written on: 14/04/2014

So I made a complaint last week which they have finally acknowledged today but have been told it will take between 14 days and 8 weeks to process. What the really mean is they want to spend more time fobbing me off. I have no reason to believe they will pay my money back even though they are in the wrong hopefully I will have more luck though the courts

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★☆☆☆☆

“MADE THINGS WORSE”

Written on: 31/03/2014 by Ezra458 (1 review written)

I started dealing with 123debt solutions - they seemed friendly and helpful. Things went bad 8 months later - initially they had told me they were a free debt management company and would also work to have any interest removed. After paying half the amount my debt was they have informed me they actually want me to pay double what my debt is. Telling me this was due to charges and interest I had been told didn't exist to start!… Read Full Review

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★★★★★

“Service, fast, good!”

Written on: 24/03/2014 by 165English (1 review written)

I have been dealing with this company for two and a half years and have found all those with whom I have dealt to be friendly, helpful and knowledgeable… Read Full Review

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★☆☆☆☆

“awfull”

Written on: 26/02/2014 by aaronjcbarnes (1 review written)

i would not recommend this company to anyone as they are rude and do not meet customer demand with out demanding more of your money. they are not DEMSA regulated and i see nothing about trading standards on the site either i left them and went elsewhere for the same admin cost im getting a better service and much friendly people and i know where my money is going ... do you????? hidden costs ... monthly reviews???… Read Full Review

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★☆☆☆☆

“DO NOT GO NEAR”

Written on: 19/02/2014 by G.sharp107 (1 review written)

This company is deliberately vague about what kind of help you will receive, how much money they will pay to your depts and constantly badger you for your card details. Luckily I came to my senses and cancelled the plan, however I did sign the terms and conditions and I have been plagued with texts and phone calls from this company demanding I pay them £100. They have had no correspondence with anyone regarding my depts but are still harassing me for my card details. Their conduct is… Read Full Review

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★☆☆☆☆

“Worst company ever”

Written on: 12/02/2014 by Shaky1974 (1 review written)

Cancelled my dmp as went to another which was half the price and an Iva clear in 5 years. They would not stop pestering me phone calls texts non stop, then they take £70 out my account with no authorisation and now my bank is investigating . Please please don't go with these they will be nice to u but then when u find someone cheaper they r nasty… Read Full Review

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★★★★★

“Customer service”

Written on: 23/01/2014

I want to say thank you to the staff member that has dealt with me through out finding the right solution for myself,he has been polite,friendly ,patient through out,he has stayed in touch with me via phone informing me throughout,he has made me feel at ease and after talking with him made me realise I'm not alone with the situation I find myself in at this time,there are a lot more people with the same worries so I really feel at ease and that he did not judge me and was there to help,he is… Read Full Review

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★★★★★

“If your in debt contact 123 debt solutions .they...”

Written on: 10/01/2014

If your in debt contact 123 debt solutions .they helped us three fold .They work for you,just follow there lead ,they will help you , worth every penny .tell them the truth.give them all the details you have,help them to help you, and they will.i was in an awfull mess ,but they worked for me… Read Full Review

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★★★★★

“They have been Brillant. So helpful in. Sorttng my....”

Written on: 05/12/2013 by Wurzel123 (1 review written)

The staff gave a personal approach and liaised with my creditors the results assisted me to cope with my. Debts. All the time they informed me of any progress I feel privileged to be a customer thank you so much at the moment I am coping paying my arranged repayments although the experience was hard to accept 123 debt solutions were professional attentive and guided me through the negotiations they went above the line of duty especially as I was emotionally unstably… Read Full Review

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★☆☆☆☆

“total rip off”

Written on: 02/10/2013

I have been with this company for 3years which I trusted. I was told my debt would be cleared in 5 years yet 3 years down the line I find out that out of the £70 per month I have been paying, my debtors have been paid £1 per month and the other £60 they kept. I also applied to claim back my miss sold ppi and was told for them to claim I would have to pay a one off fee of £25 only to discover that they are taking £25 50p per month for there fee I never signed any paperwork for this as I… Read Full Review

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Katyldxx's Comment

Written on: 07/10/2013

Totally agree this happened to me. They said my plan would be over 18 months of 150.00 and i would be debt free. a year in and they have only paid off 900.00 which 150x12= 1800.00 they keep a hell of a lot of money. Now I am going to contact the creditors myself and come up with a payment plan, wish I had done this originally but I'm young and was scared to confront them DO NOT GO WITH THEM PLEASE!!

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★★★★☆

“good but could communicate better”

Written on: 16/09/2013 by adventun (1 review written)

I had 9000 pounds worth of debt and needed to survive on overdraft and credit card which were part of my plan for ten days to two weeks as i had no money at all, they emailed me and had a go at me saying why am i still using my crediters cards. Its crazy as i have kids and i have to survive,they need to be more better with communication as they never said from start stop using your creditors. Other than that they are ok i guess there are free ones out there they take just under 20 per cent… Read Full Review

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★★★★★

“I have difficulties over next 3 months payments due to...”

Written on: 16/07/2013

I have difficulties over next 3 months payments due to going into hospital soon to have a Pace maker with Defibrulater fitted as I will not be paid from my employer, your contact was most understanding and helpful at this difficult time thankyou… Read Full Review

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Royleblackcat's Comment

Written on: 22/07/2013

Of course they are helpful, to start with they want your money, they will keep the first 2 months payments for them self, so by the time you are out nothing would have been paid anyway, dont let them take money from you, careful !!!!!

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Grateful123's Comment

Written on: 03/09/2013

Today, virtually all the major banks, credit card companies and other lenders agree to pay FSCs in recognition of the unique service CCCS provides to the financially vulnerable. The payment is based on creditors returning a percentage of the monies repaid to them through Debt Management Plans (DMP's) So the creditor pays CCCS through the monies they receive via CCCS from you....sounds like charges.

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Sweet.pe's Comment

Written on: 23/07/2013

Actually I do find them helpful with mine. They didn't sign you up at knifepoint if you signed into it and didn't read your terms and conditions then your the stupid one. You obviously have nothing better to do than sit on review centre being a keyboard warrior to a company your no longer with....

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★☆☆☆☆

“LIED, MISLEAD, LEFT DESTROYED BY THIS COMPANY”

Written on: 26/06/2013

DO NOT TRUST THESE PEOPLE, THEY TAKE VULNERABLE PEOPLES MONEY, AND LEAVE THEM EVEN FURTHER IN DEBT THAN THEY STARTED. MY FIRST 2 MONTHS MONEY WAS KEPT BY THIS COMPANY £500, I NEVER SIGNED AND THEY TOLD ME THEY WOULD ONLY EVER TAKE £30 A MONTH, I RECEIVED A STATEMENT 2 YEARS AFTER THE FACT AND ONLY KNEW ABOUT THIS THEN, TELL ME IF I AM IN DEBT I WOULD EVER CONSIDER GIVING AWAY £500, THEY LAUGHED AT ME AND SAID READ THE TERMS AND CONDITIONS. SHOW ME A SIGNED TERMS AND CONDITIONS FROM ME 123, I… Read Full Review

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Lotty1977's Comment

Written on: 17/06/2014

Did you manage to get your money back

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★☆☆☆☆

“Do not use!!!!!!”

Written on: 07/06/2013 by Debbiedoodles (1 review written)

I arranged a monthly payment plan with them of £100 per month. (They tried to pursade me £60 would be ok)I explained I had been very ill and was struggling to read let alone manage my finances but i really wanted to pay them off asap! (despite barely surviving on ESA) they explained it would be £20 per month for their fee's but I felt relief I would be able to answer my phone again and not be intimidated by my mounting debts anymore.. I paid the first month.. Still having to ignore my phone… Read Full Review

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Thinktwicex's Response to Debbiedoodles's Review

Written on: 26/06/2013

Totally know what you are talking about, they did the same to me , it is disgusting they think they can get away with treating people like this, we must stand together and help all the other innocent people trapped in this web,

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Meatball12's reply to Thinktwicex's Comment

Written on: 09/07/2013

they took 4 payments of 450 a month off me only made 2 payments to my debt now im in more debt thanks to them

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Royleblackcat's reply to Meatball12's Comment

Written on: 22/07/2013

It is outragous that they can treat people like this, I will report on here anything i can to help people with this, i am going to take them to civil court, if anyone wants a statement i will gladly oblige, we can all see, this problem has and is affecting so many people, they must be stopped.

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Grateful123's reply to Royleblackcat's Comment

Written on: 03/09/2013

Today, virtually all the major banks, credit card companies and other lenders agree to pay FSCs in recognition of the unique service CCCS provides to the financially vulnerable. The payment is based on creditors returning a percentage of the monies repaid to them through Debt Management Plans (DMP's) So the creditor pays CCCS through the monies they receive via CCCS from you....sounds like charges.

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Royleblackcat's Response to Debbiedoodles's Review

Written on: 22/07/2013

Get in touch with SHELTER, it is a charity and they will help you for free, these people have done exactly the same to me, send a registered letter and cancell your account, they will just carry on taking and lying, they did it to me for over 2 years, didnt even know they kept my first 2 months payments £500 , they have taken thousands of me after 2 years, i am taking them to civil court, i suggest you get out and fight these nasty people, i am copying and pasting your letter to back up my proof, of the lies they tell people, hope you dont mind do the same with mine, i have commented on all these statements, we need to fight them, comment on here and i will send you an email if you like backing up your claim, they said the same to me, only £30 a month, yet kept £500 from first 2 months and then £3000 over 2 years all in there pocket.

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