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

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★★★★☆
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Latest Reviews

★☆☆☆☆

“Absolute rip off stay clear ”

Written on: 09/11/2016 by Deanrobson (1 review written)

Absolute rip off been paying £60 a month for over 2 year and now I owe more than I did when I started how can this be allowed this company will be getting taken to court what a joke… Read Full Review

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★★★★★

“SO GRATEFUL”

Written on: 21/07/2016 by Malloryo428 (1 review written)

I have been with 123 for 3 years and can honestly say they have saved my sanity, every member of staff I have spoken to over all the time I have been with them have been reassuring and helpful. All I can say I am so grateful for everything they have done for me… Read Full Review

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★☆☆☆☆

“Steer clear of this company”

Written on: 29/01/2016

Recently took this company to the financial ombudsman as they do not give you full details on the interest they take, or do they give you an end date in their contract.I was horrified when I did find out after 2 yrs with this company that it would run until 2030 that was on a £6000 debt paying £60 per month for 18 yrs !!!!!! I won the case and 123 debt solution have now got to pay me it all back + interest + compensation… Read Full Review

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Victoria64's Comment

Written on: 21/10/2016

I have been with them for 7 years. I had accident and list 90% use in my hand. Lost job. Had massive life changeing operation ect ect.
They reduced my payments from £100 per month to £40 per months. Never went through my income or anything.
I learnt they took £27 per month for their greedy fee. So paid £13 to 2 creditiors of just under £6000
Never been informed how long the plan will last, no end date to work towards, how much fee they take..nothing.

I have been on antidepressants for 19 years and neen in hospital with depression so can't cope with stress.
They never contacted me to go through my plan until this year 2016

Not had any corrispondance from them for about 5 years or so. Just take £40 per month.

They are now bonbarding me with texts and calls to go through my income and out goings.
I worked out I have paid them over £1700 in the years I have been with them.

The longer you stay in the plan more money they gain.
I was so depressed and worrying about not seeing no end to this debt, I went on google to see how I can find a company who don't charge a fee.
National debt advice line had on line adviser. I was advised to stop paying 123 debt solutions straght away.
They are calling me today 20/10/2016 to help me.

I even thought about taking my own life because I feel there's no way out. I have a complexed medical condition and under a specilist consultant and my gp

This company called me, I spoke with a man who had me in tears. He said can't help you any more you need go declare bankcrupt

He kept putting things on my income like..cloths..hair dressers payments..entertainment ect.

Like he wanted to get rid of me and not deal with me. My bill is in my sole name. He kept asking about my husbands self employed income.
Had bill before we met.

Now know they can't take a spouse income into consideration when in my name only. They are so ruthless and uncaring.
I was in hospital when they text me 3 times in a day. I text to say in hospital again.
They text to say will delay the review until end of Oct 2016
Got more texts and a call few days later again. They don't care about people just their own income.
Stay well clear of 123 debt solutions

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★☆☆☆☆

“Stay away”

Written on: 13/09/2015 by enWalton264 (1 review written)

I would urge all people in debt to stay away from this company. Rude customer service and liars, they ensure when you call them they do not go into fees and charges. When I set up my plan I specifically requested that all correspondence was sent by email and ended up getting bombarded by letters through the post. They have ridiculous charges. Please read through reviews on here. I would not take to much notice of the good ones as they are debatable… Read Full Review

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★★★★☆

“Help when in need”

Written on: 18/07/2015

I found myself deeper and deeper into debt, borrowing from one to pay the other and in the end I could not take any more so decided to enter into a payment plan of some sort and I found 123 Debt Solutions by searching the Internet. They have been fantastic from beginning to end; the staff are very helpful and nothing ever too much trouble; understanding and when I received threatening letters from my creditors their advice was always very supportive with clear explanations of how the industry… Read Full Review

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Lotty1977's Comment

Written on: 13/09/2015

Question why would you stay with a company with some of the highest charges out there when you can use a free service with amazing customer service and pay your debts off quicker

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★★★★★

“I would recommend 123debt solutions to anyone”

Written on: 21/06/2015 by Cormierrb166 (1 review written)

123debt solutions were very helpful they went through how they could help you with your debt in great detail so no more sleepless nights they gave you personal attention and keep you up to date you can ring them up anytime and you always got a welcome phone call always pleasant I couldn't have done without their help… Read Full Review

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★☆☆☆☆

“Stay away ”

Written on: 27/03/2015 by RobertAndrews286 (1 review written)

Terrible company just don't ... Enough said , undertrained staff high charges… Read Full Review

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Victoria64's Comment

Written on: 21/10/2016

Totally agree greedy money grabbing company. Staff are dam rude uncaring and untrained

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★☆☆☆☆

“AVIOD AVIOD AVIOD ”

Written on: 18/02/2015 by doLewis487 (1 review written)

Absolutely a nightmare......I paid nearly 1500.00 which I thought would be paid of my debts. NO just 700.00 got paid and 123 took the rest!!!! They don't tell you up front that they will be taking the nest 3 payments has a set up fee. Then when they up the management fee they charge you for doing so. Worst company I have ever known. ALL Hidden charges!!!!Avoid go with STEP CHANGE who DO NOT CHARGE A PENNY… Read Full Review

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★★★★★

“Very helpful company explaining everything in simple...”

Written on: 16/02/2015 by RachaelMcGraw (1 review written)

Very helpful company explaining everything in simple terms ,DId not make me feel embarresed about the situation I had got myself into.Always able to talk to a member of staff if I need to,Regular contact by telelphone and internet.They managed to get a PPI repayment for me which I would not have done on my own… Read Full Review

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★★★★★

“WHAT 123 DID FOR ME”

Written on: 21/01/2015 by NigelHunt (1 review written)

I was up to my eyeballs in debt that I had accumulated with various Banks, Credit Cards and Loan Companies. I turned to 123 Debt Solutions for help and they created a repayment plan and contacted the various Banks, Credit Cards and Loan Companies, and in most cases managed to freeze any interest payments. I had over 30k of debt and paid £250 a month to 123, as various debts were completed adjustments were made to the remainder. I am now debt free, and would readily recommend 123 Debt… Read Full Review

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★☆☆☆☆

“Not on your life”

Written on: 17/01/2015 by epWallace177 (1 review written)

Had the misfortune of working for this company in 2013 for few months.  You are told to lie about any fees just to get someone to sign up. Best piece of advise I could give to anyone thinking of allowing them access to your bank account is don't under any circumstances. Much better to get CCCS or Payplan to assist. Or better still do it yourself. Other than the 2 mentioned above which are free to use every other company will keep the first 2-3 monthly payments to themselves as a set up fee… Read Full Review

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Wendyck's Comment

Written on: 04/02/2016

Thank you for writing this. I was signing up for it then at the end I said send me copy of contract I will read it over and call back to finish setting up if happy with terms. He said I had to set up payment first before they could send contract. Ummm NO I read a contract first before agreeing to sign anything and start up payment arrangements. That's where I said I will have to think about it and get back to you. I regret giving all my information though, social security number so they could look up my loans. I asked for amount owed though and it was close to what it said on my credit report I printed up recently. Not Happy. People praying off others that have a lot of school debt and drowning in it and looking for relief somehow only to get SCREWED! Not cool

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Victoria64's Comment

Written on: 21/10/2016

Bern with them for 6 years had no idea how much they took for a fee. I paid them £40 month. They took £27 for their fee. So paid them over £1600 in 6 years. Could have paid one of my 2 debts off. One is £1000 one is just under £5000

Found out they are not alloward to take more than half for a fee. I contacted them they said they know and now only take just under half. Never ever yell me how much or informed me of the change of fees taken.
The law changed on how much DMP.companies are alloward to take.
Now they keep harrassing me to do a review. Think they want more payments to get more fees from me.
Make me sick.
Not had statments from them. One man was do rude he had me in tears. It will take me until I die yo pay it off. I am now 52.
They are not trained staff. I contacted national debt line. They advised me to stop.paying then now.
They are calling me today 20/10/2016 to help.
STAY CLEAR OF THIS UNPROFESSIONAL COMPANY

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Wendyck's Comment

Written on: 04/02/2016

Thank you for writing this. I was signing up for it then at the end I said send me copy of contract I will read it over and call back to finish setting up if happy with terms. He said I had to set up payment first before they could send contract. Ummm NO I read a contract first before agreeing to sign anything and start up payment arrangements. That's where I said I will have to think about it and get back to you. I regret giving all my information though, social security number so they could look up my loans. I asked for amount owed though and it was close to what it said on my credit report I printed up recently. Not Happy. People praying off others that have a lot of school debt and drowning in it and looking for relief somehow only to get SCREWED! Not cool

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★★★★★

“they great”

Written on: 07/01/2015 by RubiMontgomery39 (1 review written)

they are very help full and you can ask any thing and help you back… Read Full Review

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★★★★★

“Professional throughout!”

Written on: 05/01/2015 by Jocarter19 (1 review written)

123 have been great throughout, we agreed a monthly fee and they do the rest. You can even text them and get a reply if you have any queries, they also gave us a break at Xmas to help out. Our process is nearly up but if ever I was in this situation again I would be sure to call these. The fees are not ridiculous either but I couldn't tell you how much they are as haven't noticed when it's come out… Read Full Review

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★☆☆☆☆

“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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Victoria64's Response to WellbeingServicesLtd's Review

Written on: 21/10/2016

H
Same problem. They take over half my payments. And they charge what they see fit. I paid £27 month in fees on a £40 payment on a £5,900 debt.
Was paying £100 per month. But had serious accident and seruous major surgery..life changeing operation.
They reduced payments to £40 pcm without any questions on income/outgoings. Have no idea if I got charged for the ajustment made.
Don't inform you of charges..no statments nothing.
I paid these greedy xxxxs over £1600 in fees in 6 years.
One of my debts would have been paid off by now.
I found out DMP are not alloward to take more than half of your payments for a fee.
I phoned them. They said they knew and had a cheque for £40 ages ago .I did..but had no idea why. They don't keep you up to speed on anything. They give no end date to your debt. Or talk about writing a % of it.
They do what they see fit and pray on the most volurable

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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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Victoria64's Comment

Written on: 21/10/2016

Ruthless and cunning and not professional. Charge what they want. You would have paid 2 month up front at start. Don't pay a penny more. Go to ombusersman asap

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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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Victoria64's Comment

Written on: 21/10/2016

I still was contacted by my creditors too for ages. 6 years on. Still get odd letter. The staff are rude..uncaring. They want to increase your payments..more you pay more fees they take.

Should report to watch dod

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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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Victoria64's Comment

Written on: 21/10/2016

Your one of the lucky ones
Happy for you

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Victoria64's Comment

Written on: 25/10/2016

Think you work for 123. I for one left them now. Was told need pay £19 for cancellation fee
Month for creditors ect.
I told her no way.
I will contact my creditors myself and got sampke template letters from national debt line to send to creditors and 123.
She then replied..we let them know anyway. So I replied why are you chargeing me then if you inform them anyway despite me informing them.

I am not paying you to do something you just admitted you do anyway if I leave you.

I said my debt was sold on to many different hands..not once did you update me to whom my account was handled by.
Or on what date ect. She said you can go on to your client portrait and see.
Load rubbish dosn't show you address of company or contact details for them or date they took over the account nothing.

She then replied we don't have time informing all clients every time a debt has been taken over by different company we are far too busy.
I then asked why have I never had a review by you for 7 years???? She replied don't know you should have.

I said well I never have had one. Why have you never told me how much fee you take?? Or what paymenys I make how long it would take to clear the balance.
She kept passing buck to the client portrait again.

It does not show you set up date..amount they took 6 months in advance of fees..or monthly fee they take.
Only shows company name..amount they pay them..total amount you pay into plan.
You have to work out the fee they take yourself from money you pay 123.

They said my £19.60p month from my £40 I pay them is for sending payment to 2 creditors bt bacs..2 second job.
Being available on the phones. Load rubbish . I am going to sue them for not kerping to their yrems conditions and not informing me of changes of creditors..or informing me that their fee was reduced by £7 month because law changed on how much DMP companies were alloward to take.
They took 3/4 of my payment for 6 years. So were not informed by many things. Get told too busy.
They are not getting no cancellstion fee.
I called one of my creditors after asking the complaints dept at 123 for their details. She got funny about it.
Explained I was leaving 123..why..who I was going with. Step change. They were lovely about my situation and said not to worry..they will hold everything up until step change contact them.
I asked would you like me to make a gesture of good will payment for now. She said no not nesseccery

Leave 123 now. Creditors will understand if you explain you are looking to change to non chargeing company so they get more money.

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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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Victoria64's Comment

Written on: 25/10/2016

Deff not. They are greedy..don't follow regulations I recorded my conversation and will use to sue them

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Victoria64's Comment

Written on: 21/10/2016

Think so too. Completment yourself 123. We all have our own views on your greedy money grabbing charges

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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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Victoria64's Comment

Written on: 21/10/2016

They lure you in and pray on your situation. Go get legal advise. They are trying it on. STAY CLEAR OF THEM

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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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Victoria64's Response to lotty1977's Review

Written on: 21/10/2016

Get bank to refund your card. They will go after 123 for money. PLEASE GO TO BANK TELL THEM. YOU WILL GET IT BACK BY MONEY BACK GUARENTEE ON YOUR CARD. MOST CARDS HAVE IT ON NOW. SO YOU SHOULD BE COVERED. TELL BANK THE DATE YOU CANCELLED THE CONTRACT AND THEIR.RESPONSE.

TELL 123 YOU ARE CONTACTING WATCH DOG AND GOING TO MEDIA. THEY WILL CRUMBLE

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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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