Debt Clever (previously known as Valour Financial Management) Reviews - www.debtclever.co.uk

★★★★★
4.7 / 5
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Valour Financial Management
Valour Financial Management

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Latest Reviews

★★★☆☆

“Great when you join ”

Written on: 18/10/2016

I was more than happy with valour . the fee was worth the trouble they took from my life. Think things slipped a bit under debtclever and my full and final took forever but sped up once they knew they were folding. All in all they made my life better and for that I'm very grateful. Nothing was out of bounds even when I was really struggling but with the full & final there seemed no real effort I was forever chasing them . maybe they knew things were coming to an end but we got there in the end… Read Full Review

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★☆☆☆☆

“Tricked me into joining five years ago when I was...”

Written on: 29/09/2016 by tjHicks116 (1 review written)

Tricked me into joining five years ago when I was looking for a consolidation loan, paid full amount on time every time since and now that I should be out of debt they took too much money out of my account, blaming an error and then send me a text saying they are waiting for me to sign a pack regarding creditor arrangement. Please return to ensure your interest and charges remain frozen and collections process does not start!!!! I no longer owe anything!!! I need to try and contact my bank to… Read Full Review

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★★★★★

“What's going on?”

Written on: 18/09/2016 by AnthonyForbes (1 review written)

I joined them a few years ago and have had a brilliant experience. However out if nowhere I've been advised they are closing and to go ahead and arrange another payment plan either directly or with ano alternative dmp.There is nothing on the website or online just this one letter, no advance warning, I am not left feeling quite confused. And upset… Read Full Review

Jinglejangle75's Comment

Written on: 20/09/2016

I have also received the same letter. After the initial shock I have taken stock and looked at what options there are open to me.. Although I have been happy with the service they gave me at a time of need, I now feel that by going directly to my Creditors and increasing my payments by using the funds that were paid over to Debt Clever for their fees I will be able to shorten my repayment period considerably. The option they have given to go with their new company seems very suspicious! . For a similar monthly fee they will send out template legal letters on your behalf smacks of desperation to keep some sort of business. You have to ask yourself why the authorities are now closing down these companies?

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Ross45's Comment

Written on: 20/09/2016

I have done exactly the same today. Spoken to my creditors and agreed payments by direct debit and all intrest will remain frozen till everytgubg is paid off. Really easy to do and no fees so I have up'd my payments as well due to bit having to pay management fees. Shocked at the time at the letter but it's a win win for me now.

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Ross45's Comment

Written on: 20/09/2016

I have done exactly the same today. Spoken to my creditors and agreed payments by direct debit and all intrest will remain frozen till everytgubg is paid off. Really easy to do and no fees so I have up'd my payments as well due to bit having to pay management fees. Shocked at the time at the letter but it's a win win for me now.

Reply to this comment

Ross45's Comment

Written on: 20/09/2016

I have done exactly the same today. Spoken to my creditors and agreed payments by direct debit and all intrest will remain frozen till everytgubg is paid off. Really easy to do and no fees so I have up'd my payments as well due to bit having to pay management fees. Shocked at the time at the letter but it's a win win for me now.

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★★★★★

“OMG!!!!@”

Written on: 13/08/2016 by mor1ey (1 review written)

What can I say .....getting in touch with Valour Finance (which by the way is a better name than Debtclever)...three and half years ago changed my life....honestly , it let me breath again. from day one I was given a finacual adviser, thank you from the bittom of my heart. She was there every step . She phoned me to see if things were going ok ,to make sure I could afford the repayments , when I phoned up if she wasn't available her colleagues would help me but they also passed it onto her… Read Full Review

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★★★★★

“The best decision I ever made”

Written on: 16/07/2016 by Alejandro440 (1 review written)

After struggling with debt I contacted Valour Financial back in 2010, they were courteous and professional and immediately made me feel I was starting to regain control. I have just made my final payment and have nothing but praise for staff from day 1 up to dealing with the full and final settlement team, they kept me informed what was happening with weekly phone calls and I cannot thank them enough. No one can understand the stress of debt unless they have been or are going through it… Read Full Review

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★★★★★

“Friendly and helpful”

Written on: 13/06/2016 by Gregory138 (1 review written)

I was struggling with debt until I saw an advert for Valour. I called them and was treated with respect and was given friendly, sensible advice which encouraged me to let them help me. I am now well on the way to financial stability. Thank you… Read Full Review

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★★★★★

“Totally Debt Free”

Written on: 30/05/2016 by AmyLou12 (1 review written)

Joined Valour back in 2012 when I was really struggling. This month I have just made my final payment. I could not be happier and could not of done it without them. The team are really customer focused and really happy to help. Credit rating is finally starting to get better. Would definitely recommend to anyone who is struggling with debt, it is such a relief when you deal with a company like valour they lift that stress and nothing is to much trouble… Read Full Review

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★★★★★

“Helped Us Out Bigtime”

Written on: 06/05/2016 by cheams2016 (1 review written)

Valor took us from the depths of dispair and gave us hope, we were spiralling out of control with debt and really worried about losing house and everything. Valor went through our debts and came up with a repayemnt plan that really suited our budget, been with them 6 years now and over half way to paying off everything (they told us it would be about 11 years). Best decision ever - would highly recommend. Credit rating is now poor but that is good because we cannot get into any more debt… Read Full Review

Pb1961's Response to cheams2016's Review

Written on: 13/05/2016

You can pay your debt off faster by moving your debt to an free charity service and paying your debts off faster.

Valour - who actually are very DebtClever (clever at keeping you in debt longer than you need to be) are incentivised to keep you in debt longer so that they can keep taking their huge fees.

Look for alternatives. You'll be glad you did.

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★★★★★

“Amazing Service!!”

Written on: 22/04/2016 by PaigeSchroeder (1 review written)

I would thoroughly recommend Valour Financial Management. They have been nothing but helpful and friendly in getting me out of debt and I could not have done it without them. The service they offer is fantastic and you can log onto the portal at any time to see your creditors and how much you have got left to pay. You can also alter your monthly payments if they are too much for you or you want to pay more. I would recommend Valour Financial Management to anyone who feels as if they cannot… Read Full Review

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★★★★★

“Helped me out at a very difficult time”

Written on: 12/04/2016 by kar190785 (1 review written)

Valour Finance helped me out with creditor arrangements 4 years ago. I was falling behind with payments and struggling to juggle the various creditors constantly contacting me. Valour took away all the stress and arrange a much much lower monthly payment that the creditors agreed to. I have had nothing but a positive experience with them and would whole-heartedly recommend them to friends and family… Read Full Review

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★★★★★

“The most stressless way to sort money troubles”

Written on: 11/04/2016 by Kel1993 (1 review written)

I found this company on a Google search and was so glad I did. The easiest way to sort out money troubles. Easy communication and east set up. Would definitely reccomend… Read Full Review

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★★★★★

“They have made a huge difference- really happy”

Written on: 09/04/2016 by staceyxoxo (1 review written)

I have been with Valour for almost two years now, and am so happy with the service I have received. They managed to get all of my creditors on board, and so now I just make one monthly payment to Valour and they do the rest. I get extremely anxious and stressed dealing with creditors, and so this has been ideal for me, I have had no angry letters or phone calls chasing any of the debts as they have all been happy to work with Valour. The staff are always friendly and helpful, and thanks to… Read Full Review

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★★★★☆

“Valour Financial are the best !!!”

Written on: 15/03/2016 by johnc49 (1 review written)

What can i say from the start of the process to its conclusion and the clearance of my debts mostly "payday loans and credit cards " it was all painless and easy.The staff at Valour Financial were extremely helpful and courteous at all times and were sympathetic to my plight.Even when i asked question after question to my personnel administrator nothing was a problem,they were helpful and courteous.In short i can find no fault with the service which i received from start to finish and would… Read Full Review

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★★★★★

“So pleased I chose Valour”

Written on: 13/03/2016 by CourtneyStevenson84 (1 review written)

Valour was recommended by a friend, I was scared at first but the advisors were very professional and made me feel a lot better talking through everything. It's the best thing I ever done, I couldn't thank valour enough and I will recommend them to any one who needs help. I didn't get any hassle from creditors and only a few letters which were usually statements. Valour kept in touch and always made sure I was okay through out the plan. They have been a saviour! Thank you so so much x… Read Full Review

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★★★★★

“Valour got me back on track”

Written on: 10/03/2016 by 28061968 (1 review written)

Six years ago I had made the mistake of taking too many loans out and then struggled to pay them all.I received a call out the blue from Valour Financial They was very professional and reassuring that I could be helped.I listed all my dept,and they contacted my creditors and negotiated a smaller Total Monthly payment.My creditors were contacted by Valour which kept phone calls and letters away as an agreed amount was paid.A personal administrator rang me on a regular basis to check all was… Read Full Review

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★★★★★

“Friendly Service, Easy Plan”

Written on: 03/03/2016 by JeromeWilliams (1 review written)

This company were efficient in contacting my creditors and getting them on board with the Debt Management Plan. I liked the fact that I was being contacted once a month with a courtesy call and offers to post out self addressed envelopes. The staff are cheerful. Not really much else to say when a company is exceeding… Read Full Review

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★★★★★

“Superb Service”

Written on: 02/03/2016 by Gdunc79 (1 review written)

Can't speak highly enough about the Valour Finance team! The help I received from them was top class and had my debt cleared quickly and efficiently. Constant communication from them during the period of my debt and dealt with everything to a great standard. If your in a similar situation regarding a debt then I highly recommend valour Finance! … Read Full Review

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★★★★★

“Couldn't of done it without you :)”

Written on: 16/02/2016 by MeadowCleveland (1 review written)

I would like to say a massive thank you to Valour & my team. I would without a doubt recommend this company to anybody who feels that their re payments are getting on top of them. We only have ourselves to blame when it comes to debt but when I discovered I had no money on every payday after paying minimum payments to my creditors I knew there had to be help out there somewhere. I rang Valour and they were only too happy to help me, it's been a long slog but I made every payment with them on… Read Full Review

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★★★★★

“Best decision we ever made. ”

Written on: 08/01/2016 by Hartleyeg344 (1 review written)

Several years ago, my husband and I were at our wits end, we had more money going out than coming in. Credit cards, catalogues, loans etc. We covered our outgoings but had nothing left, about £500 plus paid out each month.One day I looked for a debt management company, I came across Valour Financial Management. I didnt have a clue what I was doing, but an operator popped up on my screen to talk to me . She arranged an adviser to phone me, under no obligations. Try to have all your paper work… Read Full Review

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★★★★★

“Finally cleared my debt with the help of VFM”

Written on: 23/10/2015

When i knew i had no other choice but to go on some kind of debt plan it was really dauting and worrying. I found VFM who were so helpful, non judgemental and easy to work with from the start. My plan originally was spread over 5.5 years but i manageed by making over payments and reduced the time to 4 years. The online portal is so easy to use and convenient and information is always crystal clear.I have made my final payment today and I am free! My administrator (among others) was wonderful… Read Full Review

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