Debt Free Direct Reviews - www.debtfreedirect.co.uk

★★★★☆
4.3 / 5
88% of users recommend this
  • Value For Money

Summary

"Debt Free Direct provide advice on the widest range of debt solutions on the market without obligation from consumers to progress with a solution. Their specialist debt advice and solutions are based on individual circumstances and advice is in accordance with DEMSA & OFT code of conduct. Depending on which debt solution is most appropriate they can...
  • Reduce debts into a monthly payment that's affordable to you
  • Write off what you cant afford to repay
  • Deal with your creditors"

? Ask our helpful community of experts about this product or company
Debt Free Direct www.debtfreedirect.co.uk - Ask a question now

Media Gallery for Debt Free Direct www.debtfreedirect.co.uk

Debt Free Direct www.debtfreedirect.co.uk

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 me review my finances and have changed my life”

Written on: 01/10/2014 by 342Wooten (1 review written)

I am so pleased with the service debt free direct provided. From start to finish the whole process was simple and hassle free, it will change my finances completely and my life will be so much more stress free. I can't thank debt free direct enough… Read Full Review

Report this review
★★★★★

“Best advice & helpful all the way”

Written on: 30/09/2014 by Doc67 (1 review written)

I was talked through the whole process & advised what was best solution for my situation. I was pleased with the outcome & would not hesitate to recommend you to my friends & family. They took the pressure off me which was getting me down a little. GREAT SERVICE… Read Full Review

Report this review
★★★★★

“helpful clear understanding ”

Written on: 30/09/2014

very helpful and understanding from day 1 listened and helped and gave the best advice were clear and explained everything in detail very happy thank you i would definitely recommend to anyone who needs help nothing bad or negative to write about this company… Read Full Review

Report this review
★★★★☆

“Very pleased”

Written on: 27/09/2014

I found the service I received very good and the staff very helpful… Read Full Review

Report this review
★★★★★

“Brilliant Service Highly Recommend ”

Written on: 25/09/2014 by lauren_1990 (1 review written)

tried to deal with another company who fobbed me off made me feel like i was going to loose everything and also gave me incorrect information and nearly did loose everything. The help and support from the team was amazing i finally feel like i am moving forward and something good is going to happen rather than a bleak outlook. I would highly recommend the company supports you through every step of the way don't ask for upfront fees and all paperwork is easy to fill out. JP… Read Full Review

Report this review
★★★★★

“amazing team work”

Written on: 24/09/2014 by jaeger2410 (1 review written)

Have got to praise the team for their work and advice the speed it was done with the persistent way they harried people to get a vote can't thank them enough words can't explain what I am feeling now… Read Full Review

Report this review
★★★★★

“Very helpfull and took care of any problems or...”

Written on: 23/09/2014 by DevonWhalen360 (1 review written)

Very helpfull and took care of any problems or questions I had… Read Full Review

Report this review
★★☆☆☆

“no correspondence again”

Written on: 22/09/2014 by Daley489 (1 review written)

I am in my last year of a 7 year IVA and they try to get equity but we hadn't enough, so they said they were going to a meeting to try and get it extended. our terms and conditions state that in the event that there is not enough equity, they cannot extend which is what we were told in the beginning. 3 weeks later I had had no reponse on the outcome of the meeting so I rang and found out they have extended it and apparently no meeting was held. there was no one who I could speak to about this… Read Full Review

Report this review
★☆☆☆☆

“please think very carefully before using DfD ”

Written on: 22/09/2014 by niCarroll366 (1 review written)

I have been with this company for 4 years in an IVA.Initially they,could not have been more helpful but as soon as you sign up their whole attitude towards you changes! They work on a commission basis so the more they get you to pay the more they receive so they will change your allowances to fit with their figures.We have just been informed that there is no longer allowance for child's pocket money!!!!and despite a huge reduction in salary following redundancy they want to take all redundancy… Read Full Review

Report this review
★★★★☆

“IVA”

Written on: 20/09/2014 by GideonNelson (1 review written)

I am very happy with the speed and professionalism my case has been dealt with. I just wish I had contacted your company sooner. Many thanks… Read Full Review

Report this review
★★★★★

“"Support" ”

Written on: 17/09/2014 by char33 (1 review written)

Was always well informed of what was going on and the support and guidance though the whole process made what seemed to be something monumental much more easier. … Read Full Review

Report this review
★☆☆☆☆

“Don't sacrifice the future for now! Don't go near them! ”

Written on: 16/09/2014 by 127Greene (1 review written)

This is unbelievable! We paid our last payment in August 2013 and despite assurances that completion was imminent we are still waiting for our closure certificate that we would be able to use to rebuild our credit score. We didn't go bankrupt, we didn't shed responsibility for our debt. We have paid the vast majority back and in the process learned a very hard lesson and spent 7 years budgeting every penny spent. We don't ever want to lend irresponsibly again but want to have the chance, with… Read Full Review

Report this review
★★★★★

“Amazing helpful service ”

Written on: 16/09/2014 by Ashleighc1934 (1 review written)

Amazing from start to finish! Took away any stress or worries I had! Felt like a massive weight has been lifted off my shoulders and now I can get on with my life without worrying I can't afford payments! Very helpful staff through out the whole process! I would definitely recommend to friends or family!… Read Full Review

Report this review
★☆☆☆☆

“SAY NOoooooooo!!!!”

Written on: 05/09/2014 by 292RussoItalian (1 review written)

Was with debt management plan for 7 yrs suppose to only be over 10 but after 7 they said we had another 94 months till completion SO like a idiot thought I'd go on dfd as someone had said to me about a government one and it was free no charges after the call saying we cut interest and charges no fees just a small percentage and after 5 yrs I'll be debt free sounds like a dream but they are liars !!! Been in iva for nearly 3 yrs paying 222 a month payment just gone up to 270 for last 24 months… Read Full Review

Report this review
★☆☆☆☆

“Never ending iva”

Written on: 01/09/2014 by Samanthalockwood86 (1 review written)

I should of finished my Iva in February 2012 it's now a year and a half later and it's still isn't closed. I had calls from equity in finance about ppi claims which I told them I never had any ppi but they said unless I signed my iva would not be able to be closed. So I did then they contacted me saying that they had checked and I didn't have any ppi. What a waste of time that was. Then I had letter from debt free direct stating that I had to sign and return the forms so they could go ahead and… Read Full Review

Why2014's Response to Samanthalockwood86's Review

Written on: 16/09/2014

This is unbelievable! We paid our last payment in August 2013 and despite assurances since that completion was imminent we are still waiting for our closure certificate that we would be able to use to rebuild our credit score. We didn't go bankrupt, we didn't shed responsibility for our debt. We have paid the vast majority back and in the process learned a very hard lesson and spend 7 years budgeting every penny spent. We don't ever want to lend irresponsibly again but want to have the chance with well paying jobs now to get on the property ladder. We are now in our late 30's and time is ticking. Student debt and divorce implications should now be of the past, we have paid what we owe and not shirked under the cloak of bankruptcy. Please just give us our completion certificate and let us move on, I would never recommend DFD. You do your part and they are criminally negligent in theirs I would say. More fool us for doing the right thing and going through the red tape only to be let down. Having gone through the complaints procedure with DFD and being told that our. Completion was in the hands of the insolvency practitioner since April 2014 we are still waiting. The financial ombudsman can't consider the administration of the IVA only the initial advice (which in the emotional turmoil is a distant memory). DFD complaints say that they cant do anything more. I am now going to my MP and perhaps the newspapers. If anyone has a story to support get in touch.

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

“Avoid profit making debt companies ”

Written on: 30/08/2014 by Lowen2014 (1 review written)

I paid my final payment to DFD on the 5 Jan 2013 and I am still waiting for my certificate. It has made my life a misery I am being hounded by Equity in Finance who they use to get any PPI you may have and these calls are worse than when I was in debt they use auto call back if you do not answer and I have been informed unless I sign loads of paperwork from them I will not get my certificate! Is this legal as when I took my IVA out 8 years ago there was nothing mentioned about PPI they are just… Read Full Review

Samanthalockwood86's Response to Lowen2014's Review

Written on: 01/09/2014

Hi My iva with dfd should have finished in February 2012 and it's still ongoing they said its due to ppi claims but equity in finance contacted me to say that they had run their checks and I never had any ppi I make phone call after phone call but it doesn't get me anywhere. I too need to get finance to get a car and if I don't get a car in the next two months I will lose my job of 10 years as we are contracted to have access to our own vehicles 7 days a week. I'm at my wits end with dfd

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

“How to terminate Iva? ”

Written on: 22/08/2014

I'm in my 3rd year with dfd and is the worst thing I've ever done! Went in to it with my eyes shut and now paying the price. Taken in by how they could help me when I'm worst of now than I ever was. Huge mistake!! Would appreciate any advice on if there is a way to get out of this IVA? Been to citizens advice and they were no help… Read Full Review

Money75's Comment

Written on: 05/09/2014

I to have been in iva with debt free direct for 2yrs and few months after leaving bains and earnst and over the last few weeks been ringing around my debts to get balance and to my surprise no payments have been made since 2011 been paying 222 a month so now gone to financial ombudsman under the complaint of missold as same as ppi as I do not owe the money to them I owe them nothing and was told all interest and charges stopped and they haven't done this and they only make one payment a yr to creditors so out of £2400 I pay a yr only 400 goes to creditors and it is your responsibility to inform them of pay rise bonus and any changes to iva so what are we paying 2000 a yr in charges for when everything is our responsibility they never told me this when joining the iva till after and told me no monthly charges either but there wouldn't be a monthly charge as they pay yearly and charges for paper envelopes stamps photocopying as well these company's are suppose to help you get out of debt!!! Oh and they hassle you for ppi claims just done one to see what would happen and I claimed for it myself got 590 and they have took it and not shortened my iva not lowered my payments so who has the money them and they have added another 4 months to my plan also so I'll do whatever it takes to get out of it and I urge everyone to check with company's on iva as I said no payments received in two years GOOD LUCK!

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

“dont bother!!!!”

Written on: 31/07/2014 by loyds (1 review written)

we thought they were there to help.'make you debt free within 5 yrs' 'reduce your debts', all of which were terms we were led to believe! spent the last four years living hand to mouth, kuds seeing friends from families on benefit living much better than us. finally seeing ligjt atvwnd of tunnel to be told house would be takwn from us ir iva will go on for longer to cover full debt. might as well sold house 4 yrs ago and lived comfortably!!!! but were told the iva wouls stop us losibg the… Read Full Review

Report this review
★☆☆☆☆

“Started well now useless”

Written on: 30/07/2014 by Collins76 (1 review written)

I initially got told in my first phone call to them I'd be paying £170 over 5 years then once all signed up this payment tripled and is now over 6 years. I think loads of staff have left as the service has become shocking. When you get a bonus payment they take weeks to tell you what you need to pay them. E mails if they do reply to it now takes 5 weeks to reply. Half the time I email they never respond I get letters in the post for other people and it's all in photocopied paper not even… Read Full Review

Twinkleuk1969's Comment

Written on: 11/08/2014

we are going through the same thing.have extended it 12 mths taking us to 6 years was told today that we have to extend a further 12 months, after being told 6 weeks ago that our last payment would be this october. We are so distraught We have now decided to seek legal advice. and have asked for a complete breakdown of every single payment to each creditor to see if we can possibly contact them ourselves to finish paying them off. wish us luck next stop is the ombusman and watchdog.

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

“only interested in new customers”

Written on: 22/07/2014 by SharonMcDougall (1 review written)

when i first used them they helpd a lot after about two years into a five year debt plan they start to change your supervisor around thats when the trouble starts they send you forms say you have to fill them in you do and then they reply saying you have breached your iva because you never sent the form to them even when you know you did they start phoning you all times of the day to ask you to send forms you have already sent they ignore emails from you its actully worse then your lenders the… Read Full Review

Twinkleuk1969's Comment

Written on: 11/08/2014

we are going through the same thing.have extended it 12 mths taking us to 6 years was told today that we have to extend a further 12 months, after being told 6 weeks ago that our last payment would be this october. We are so distraught We have now decided to seek legal advice. and have asked for a complete breakdown of every single payment to each creditor to see if we can possibly contact them ourselves to finish paying them off. wish us luck next stop is the ombusman and watchdog.

Reply to this comment
Report this review Read 1 Comment
overview