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

★★★★★
4.7 / 5
711
97% of users recommend this
  • Value For Money

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

Valour Financial Management
Valour Financial Management

Refine your search

Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.

Latest Reviews

★★★★★

“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.

Reply to this comment
Report this review Read 1 Comment
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★☆

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★★

“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

Report this review
★★★★☆

“two years gone and three to go”

Written on: 08/10/2015 by 417Beach (1 review written)

This review is on behalf my wife and myself. Prior to and during the first two years of our IVA both of us have received a very satisfactory back up service. One small criticism is the requirement to supply an annual statement of our financial situation. As two people aged 86 and 79 living as we do on pensions controlled by the government our financial position is as fixed and open as it can be. The need to submit a yearly statement is therefore in our opinion unnecessary. Notwithstanding we… Read Full Review

Report this review
★★☆☆☆

“Seen Better Companies”

Written on: 06/09/2015 by 23Thomson (1 review written)

I don't know who is worse Valour Fiance Or My Creditors struggled to make a payment to them as off on sick atm due to ill health and evry day get a CALL/TEXT/EMAIL of them saying we cant lower your plan I dont have much money due to being on sick Il rather go else where where they can help you out. Would Not Reccomend… Read Full Review

Report this review
★★★★★

“interest frozen ”

Written on: 17/07/2015 by Joyce429 (1 review written)

Account no 53543 After 2 years I was delighted to receive a call that over 5000 to be returned from largest creditor. I have also found that any temporary changes to payments are genuinely understood and actioned I would not say that I have seen miracles but on this plan I have seen a conscientious effort to promote and stabilise A customer over creditor in the long term… Read Full Review

Report this review
★★★★★

“Life changing Valour Financial Management”

Written on: 29/05/2015 by whirlybat (1 review written)

I joined VFM about five years ago. I had been through a tough divorce and subsequently left the family home. My son, who was then about 12 lived mainly with me, stupidly, I got a credit card to be able to purchase bits for the new home, It soon became apparent that things were running away with me, I transferred balances here and there, racking up huge interest payments, until I was paying as much in interest as off my bill. In 2009, I was diagnosed with breast cancer, I had 6 months of… Read Full Review

Report this review
★★★★☆

“Settlement”

Written on: 14/05/2015 by KimNaish (2 reviews written)

I recently asked Valour to see if they could get a discount to settle one of my creditors. A 30% + discount was obtained by Valour. Thanks very happy with your work … Read Full Review

Report this review
★★★★★

“Debt Free at Last”

Written on: 11/04/2015 by melaniesmith18 (2 reviews written)

The full and final settlement process was easy to arrange and although took longer than I expected due to Creditors response times. Valour Financial is a professional and efficient company that took the stress and worry out of managing my significant debt. I would recommend to anyone in my position. Communication was established throughout the process… Read Full Review

Report this review
★★★★★

“Personal Loan”

Written on: 26/03/2015 by KaylieDevine (1 review written)

A superb service from start to finish, the advisor who spoke to me kept me informed on all aspects of the loan. My loan was accepted and paid out exactly when they said it would at a price affordable to me. Highly recommend to anyone… Read Full Review

Report this review
overview