Churchill Finance Debt Consolidation

They call my house 10 times a day and hang up before the minute, I start asking questions. I called the number back and request a supervisor and the rep that answer said "that's not going to happen" and hung up. I am not sure what kind of business you are running, but stop calling my house if you are not going to answer my questions.

If you are a real business then you should not be scare to answer my questions. On another note we don't need debt consolidation so stop calling, unless you have real business to call my house.

I have recently gone with churchill for a debt consolidation i found them very helpful they answed all my questions i was paying £600 a month to my creditors which was to 7 different ones now i pay just one monthly payment of £150 and will be free of debt in 55 months and having a extra £450 to spend on my family no more debts i feel free already thankyou shamila at churchill you really helped me and my family.

I thought churchwood finance. where very helpfull at all times and kept me informed at all time. this was done by churchwood contacting me at least once a month to update me on anychanges to my curcumstances. i would jhave to concernces about reccomending them to friends.churchwood where very friendly and profesional at all times. they answered all my questions there and then or called me back usually within ten minutes with the answere.a complete rundown off how much i still had to pay back and how long it was giong to take . i was told 21 months which has now changed to 46. this is my only bad exsperiance with them . even this has now been rectified.

I just recently looked into one of the Churchill debt consolidation products. For some time I've been making minimal payments on my credit cards and a flexible loan, and I never get around to making extra payments to clear them.

I contacted Churchill...

After initially speaking to an (hard sell) advisor, I thought their product may be for me! They took my bank details to take an initial payment off of me and sent me the paperwork.

What I found in the documentation and small print was this:

Over 55 months of payments, the total to pay back was nearly 8% more than the current low loan apr (7.9%) products.

Your credit cards would appear in arrears throughout the duration of the loan. So if you need to apply for another card, not sensible if you're trying to clear others I know! But this could cause problems down the line and it would be nice to have the option!

The other thing I found was that you would need to keep paying their management fees - up to 36 months if you wanted to clear the debt early. This works out to be considerably more than the early repayments penalties on some of the better loans available.

To sum up, I feel that acquiring a loan with a low apr and a reasonable early repayment fee would be the better option for most!

Sufficed to say I cancelled my agreement and didn't lose any money