Baines & Ernst Debt Management Service Reviews - www.bainesandernst.co.uk

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★★★★☆
3.6 / 5
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Baines and Ernst Debt Management Service www.bainesandernst.co.uk

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Latest Reviews

★☆☆☆☆

“Alec Warburton. Liar!”

Written on: 26/07/2014 by JaylonRhodes (1 review written)

I contacted these guys to consolidate my debts, they told me what I needed to hear, then they arranged my monthly fees. Now I am getting court letters off my creditors (even though I joined the programme 3 months ago). I rang my creditors to find out what the problem was, and they haven't even been contacted by Gaines and Ernst, even though I have already paid out £500! Should you be put through to a guy, I will give you fair warning that this guy will set everything up for you as you request… Read Full Review

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★☆☆☆☆

“Do NOT touch this company”

Written on: 22/03/2014

I was in a sticky situation and needed help. I looked up a few companies on the internet and called B&E. They talked me through what they do and how it works but only when I received the paperwork did I know their fee and how much I was actually paying off my debt and how much they were taking as a cut. I feel completely lied to, yes they reduced my payments ( however, calls were still coming in from my companies as it was set up very badly). I even had to call 3 of the companies and get them… Read Full Review

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★☆☆☆☆

“DESTROYED MY LIFE,RIP OFF COMPANY!”

Written on: 05/02/2014

Started with baines and Ernst in 2000 because i was having financial difficulties and didint want to not pay me debts so i went with baines and ernst as it was advertised on the telly. Debt started off at £34,000 then baines and ernst added an extra £10,000 on for their fees. Started off at £400 a month and then escalated to £600 a month, after 5 years I recieved a letter off baines and ernst stating that I owed £47,000 still, so i went to the CAB who discovered that £24,000 was… Read Full Review

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★☆☆☆☆

“Rip of company call agents lie”

Written on: 15/11/2013 by Mmmmmm22010 (1 review written)

I have been dealing with b&e for 3 years. Initially I never heard from anyone or appeared to have any problems with them paying my creditors until I received a statement from 1 saying I was in credit and checked my b&e statement and they were still paying them. I called them up and had very little help and was told they speak to creditors all the time and manage your account THIS IS NOT THE CASE. I decided to call the creditors myself and found out they hadn't been in contact for over 12… Read Full Review

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★☆☆☆☆

“What kind of company are you ?”

Written on: 31/05/2013

They just called me out of the blue, did not introduce themselves, only a Manchester number came up on my phone. The conversation went: B&E - are you (my name) Me - yes I am, who are you? B&E - do you want any elp with your debts luv? Me - no thank you. Who are you? B&E - (yawned down the phone) ok then will call ya later I dialled the number back to establish who was calling me and the person confirmed it was Baines & Ernst, I gave them a summary of the above call. The man Proceeded to… Read Full Review

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★★★★☆

“Baines and Ernst instantly took the weight off my...”

Written on: 26/03/2013

Baines and Ernst instantly took the weight off my shoulders as soon as they said they could help. I was struggling after taking on all the household bills and they helped work out what i could afford. I have never had any problems even when having to change payment dates due to my wage payment dates being odd. I think the only thing that lets Baines and Ernst down is the admin fee on a monthly basis as I was told once I had paid the original fee I wouldn't pay anything else. Never the less I… Read Full Review

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★★★★★

“They provided ongoing support”

Written on: 19/03/2013

From start to finish, Baines and Ernst were continually helpful. At times when I thought someone was going to come knocking at my door for money, they were very reassuring, which in turn helped me relax and feel safe. I can't say that at any time did I have a problem with any of the customer service team, infact from the word go until the end, which has happened in the last month, I can't say anything bad. If there was an issue with an account they dealt with it to their best. One creditor… Read Full Review

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★★★★☆

“A weight taken off my mind”

Written on: 19/03/2013

I approached Baines & Ernst when I realised that my credit card repayments were getting out of hand. They were extremely helpful and set up a Debt Management Plan immediately. It was made clear to me that there would be a monthly fee of £35 for the service, but for peace of mind I thought that this was worth it and it's good to see my debts reducing for a manageable monthly outlay. The DMP is reviewed annually, and once again the advisers are, once again, more than helpful. During the reviews… Read Full Review

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★☆☆☆☆

“rip off!”

Written on: 08/02/2013 by whatever.com (1 review written)

I've no idea where they got my number but had a phone call randomly. they seemed very nice polite genuine. talked me in to a plan agreement etc. when I've gone further in to it they are wanting to take more than half for them self they make you think their doing you a favor they only end up paying like a pound a month to each debt. don't be conned they are charities that do it for free!! I did try and back out but they was very persistent! actually a little bit rude at times. all they want is… Read Full Review

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★☆☆☆☆

“Well fleeced.”

Written on: 02/01/2013

We used this company a few years ago now,we paid the best part of 500.00 up front as some sort of bond,this money would be returned when the plan ended,well we managed to repay our debts using my early retire- ment pension plus help from the Citizens advice,who on our behalf negotiated settlements,fine,but on contacting Baines and Ernst asking for our bond money back we were refused due to clearing these debts ourselves,so they effectively made money from us,not to our way a fair and just… Read Full Review

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★★★★★

“Happy ”

Written on: 28/04/2012

Special thanks to special people that work for Baines & Ernst. They know what they are doing, they treat you with respect, they listen, they help. True professionals and it is obvious that their work ethic is on the highest level. I know that I am in good hands now and they have my complete trust. I have regained my perspective on my life and feel happy. Kane and Tony, you are more than welcome to pop in for a coffee if you happen to be in the area! Brilliant company… Read Full Review

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★★★★★

“Exellent service all the fear taken away”

Written on: 06/04/2012

Hi i have benn with B&E on a DMP for four years now i have Debt of £30,000 all interest has now been frozen and im paying £140 a month which is alot less than i was paying and all i can afford at the moment,All letters from creditors have stopped,yes they charge a £35 fee but for the work they do on your behalf its well worth it… Read Full Review

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Matt.ninnis's Comment

Written on: 20/09/2012

Really?????????????????? thankfully they are doing the job for you, not for me........just cancelled with them as 1 year later still get hassled by the bank. useless AVOID!

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Firebyrd's Comment

Written on: 30/06/2013

you don't need these rip off people' there are plenty of places like citizens advice and national debtline who do it all free. you must be paying them a small fortune in fees all of which if you used the above could be coming off your debt.

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★☆☆☆☆

“don't use these people”

Written on: 06/03/2012 by wfazli10 (1 review written)

please use another free company, four months into my plan and £404 pound the worst off these people have done nothing for me i have continued to be bombarded by calls and letters from my debitors have had to do everything for myself so again all I would say is DONT BE LIKE ME..... GO TO CCCS WHICH ARE FREE AND DO THE WORK BETTER.... … Read Full Review

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Guest's Response to wfazli10's Review

Written on: 01/06/2012

The problem with CCCS, as I found out is that if you are not a UK citizen (I'm American but have lived in the UK for the last 18 years) they won't help you.

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★★★★★

“i had a call from this company on my mobile ,i was...”

Written on: 07/01/2012 by walshy61 (1 review written)

i had a call from this company on my mobile ,i was looking into trying to get a loan of some sort to get my debts out the way ,but no joy ,i then got the call from the company ,i thought well ill listen to what theyve got to say ,and i must say iam pleased i did ,i went for a debt relief order ,the lady i was dealing with was brilliant ,and i must say service is quick it didnt take long to sort everything out once the set up fee is paid ,everythig was explained very well ,and if i dint… Read Full Review

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Guest's Response to walshy61's Review

Written on: 12/07/2012

But what they don't tell you is that It's like Bankruptsy, you will not get any sort of credit in the future, that means insurance policies, car insurance nothing!!!!, in the small print on any policy it states, " Have you or any body in the house hold been in a debt management or Iva plan for the past 5years or Have you or anybody in the house hold EVER been made Bankrupt, Discharged or not. the Key Word is ever. Seems great at the time, but it bites you on bum in the future.

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★★★★★

“All good well nearly”

Written on: 28/11/2011 by dlop (1 review written)

I have just finished my DMP with baines and ernst. Overall they have been great for me, my debt is paid off, well nearly but i am going to do this on my own as the fee makes my payments look a little pathetic It was set up very quickly and thankfully i was one of the people who's interest was frozen so again its been great for me. The only negative in the experience would be the £40 review fee, I am already paying a fee, why do i have to pay for a review. Anyway its done now and they have… Read Full Review

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★★★★★

“Very happy with the service”

Written on: 08/11/2011 by TonyS78 (1 review written)

I've been on a plan with Baines & Ernst for about a year now and, so far, it's saved me a fortune, they managed to get my combined monthly payments to the companies I owe money to down from around £720 to just £260 and whats better is that I don't have to pay extra interest on top of my debt anymore so should have everything cleared a lot sooner. Now this isn't a free service, they do charge a set up fee but within a month this has pretty much paid for itself with the savings I make… Read Full Review

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★★★★★

“Yes baines and ernst take a management fee when going...”

Written on: 28/04/2011

Yes baines and ernst take a management fee when going for a Debt management plan but what these people who are complaining about this below fail to realize is that the £35 per month is a lot less than the interest that the creditors are charging in interest each month. Going on to a debt management plan the interest will be frozen saving a fortune in payments to the creditors that does not go on the debt when you pay them direct. I have been with Baines & Ernst now for 3 years i pay £200 per… Read Full Review

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Firebyrd's Comment

Written on: 30/06/2013

what are you saving. ok they freeze the interest but you pay them a monthly fee so interest isn't really frozen is it.' they do nothing that national debtline wont do and their help is free.

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★★★★★

“i have been with B&E for sometime now and have been...”

Written on: 13/04/2011

i have been with B&E for sometime now and have been dealing with a lady called lisa. the service is fantastic and as soon as i signed up a weight was lifted from my shoulders, what these people are talking lower down is rubbish, yes they take a fee and yes £150 per month is alot of money but would you work for free? no. nor do they, and £150 a month is a lot better than the £870 i was paying. This really is a brilliant service and i implore anyone struggling with debt to give them a call and… Read Full Review

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★★★★☆

“I have been with B&E for five years now, and I have...”

Written on: 22/03/2011

I have been with B&E for five years now, and I have around 14 monthly payments to go (Not in IVA). B&E have taken all my problems away from me, and any problems I now get from Creditors is taken care of straight away. I have recently spoken to Mike in their settlements team, who if I pay up now is able to save me a nice amount of money.

I would highly recommend B&E to anyone suffering from severe debt, as they have helped me go from £24k down to £3 with very little stress involved.

Thanks… Read Full Review

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★★★★★

“Fantastic service baines and ernst have taken away all...”

Written on: 24/02/2011

Fantastic service baines and ernst have taken away all the stress i was under due to debt which consequently has saved my marriage. I can not recommend this company enough… Read Full Review

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