CreditFix  Reviews 

Called Creditfix re my payments, the guy was very helpful and updated my payment details

Absolutely awful company. I paid £95 a month for 5 years then when I wanted to end my IVA to get a mortgage they forced me to pay £10,000 which was £2000 more than my original debt! Even after paying for all those years! So they actually added debt to me and then continued to take monthly payments with no way of cancelling it without talking to somebody which I nearly impossible! Dirty robbers disguised as helping people in debt. Avoid at all costs

Took out an IVA with credit fix and they are just completing the closure process now but co tribulations were higher than I owe but they are saying that will be refunded to me once it is settled - I watch this space

I took out an iva with these rip off merchants my health subsequently took a dive and I struggled with payments. Any understanding from these "people" was completely missing i even had a call from one of their team saying you are behind on your payments what are you going to do about it in a very aggressive manner. When the iva failed my debt was exactly what it was when I began all my payments went to their fees.

I was emailed 15th December telling me they owed me money and to call them to give my bank details. The woman I spoke to said the amount was £875 and I would receive it in 5-7 working days. I called 24th, obviously there was nobody who can help me. I emailed 29th and eventually received a reply a few days later telling me the amount had needed to be recalculated and had been reduced by £50. No reason was given for this and over a week later I am yet to receive any explanation or my money. After paying back 3k and then settling the entire debt on top after receiving an inheritance. This totalling 15k, being hounded for the inheritance because they dont understand how probate and a house sale work. They were quick enough to take 12k off me in September!!

If I could give them a zero I would. Contacting the financial ombudsman today to take my issue further. They totally blindsided me into my budget costs by pretending the call was for something else then just telling me the amounts i probably spend. I was so confused, I’m diagnosed with acute anxiety I started crying and now they are saying I owe £130 more per month. I also sent a full and final offer in months ago which they will not give me a proper response on at all. They are absolute charlatans and if I need to go to court I will.

I given zero star I have been with creditfix for nearly 3 years and I couldn’t pay because of my financial situation I called Creditfix to termination my account they threatening me it made me realise that I am being scammer I ring them many of times and sending email they ignored me Creditfix is pulling the customers down and ruined us I pray that new people see this reviews before join Creditfix

Why not we all support to each other taking them to court

They are here to chase you because of money, but not here when you need them. Stopped paying, i dont care what happens next. They are filling their own pockets, not the companies you owe. Complete scammers, avoid at any cost.

Terrible company.
Went with them due 3job losses during covid pandemic. Since then they are harassing me with increase to payments and extending length if IVA. Emails are threatening and stressful.
Do not consider this firm. Am considering legal advice against them.

Completed my IVA and made last payment sep 25th
Called today as not heard a peep since only to be told it WILL take (not can take) 6 months to receive completed paperwork - are you kidding me? 6 months? So I have to wait until end March 2026 before I can contact credit files to have IVA removed
Girl on phone was so matter of fact as if she couldn't care less, and it was no big deal
Why is this not clearly communicated by Creditfix at beginning or any time during IVA
Since my last payment have had zero contact from them. to confirm all payments have been made now, or indeed anything at all, which I consider extremely poor

Unfortunately over the last month I have really struggled paying bills due to a massive decline in my health and losing working hours because of this.
I am not entitled to SSP and have also been struggling to collect UC.
During these times creditfix have been amazingly understanding of my situation and have helped me by working with me regarding payments, including giving me payment breaks due to being unable to pay all of my bills.
The staff team are forever helpful and im extremely grateful for the way in which my situation has been treated. They have done everything possible to help me during this difficult time in my life.
Today I would particularly thank Sarah Hoy who remained in the phone to me while we went through the refund process. She was reassuring and made sure all the steps that needed conpleting were done over the phone.
Once again treated with the upmost respect.
I am so glad I chose credit fix to work through my IVA they have been nothing but helpful over the last few years and their team are nothing short of amazing.

Absolutely horrendous avoid this company, I paid off my Iva over 6 years and they have still not sent me my closure paperwork or updated my details, so my credit report is still bad, they have since told me it will take up to 6 months to finish my closure paperwork and update my credit file. As I say avoid this company.

I have just got off the phone with Hannover. Credit fix. After 3 years of paying 90 pound a month into my iva I feel I was scammed into, I have just been told I now need to pay 300 a month, all that has changed is annual pay increase in line with cost of living. I've been worried about this happening after hearing other horror stories. Absolutely back to square one after paying over 3.5k, they will just terminate my iva.. do not even think about getting an iva with these.

Not a good experience ! The overall process with pay is not great and cannot be stated in the same dimension with TREATY,

Hassle free and good pay .

Following a nightmare of debt, I reached Sanctuary. Professional advice, courtesy, and above all, the chance to talk to someone who clearly understood my predicament. I had struggles managing arrangements with creditors, threatening calls and so on. At last, a company that not only understood my situation, but made no judgement or criticism of my failures. I entered the IVA in 2020, and have now completed with my final payment in June 2025. I am now free of debt, and the relief that this brings is the most amazing feeling of freedom and the establishment of self respect. Throughout, I had support. I had no issues with compliance, the payments were affordable, and I was able to follow all my obligations as required. Today, ( for the first time in 5 years ) I am planning a holiday! The staff that I have dealt with have been extremely supportive. I have experienced none of the negative comments posted by some others. My experience has been positive, and the only point I would make is this. It is a matter of willingness to comply with the rules that makes your pathway straight forward and trouble free. An IVA is not a free ride and requires a comittment to succeed. My thanks to the Team ( all of them )

Wish there was a minus stars, they claim to be there to help but never are. Chances are you’ll never actually be able to get hold of them and if you are lucky enough to get answered they hang up. Also you agree to a repayment price and they will always take more than the agreed amount

Avoid Avoid Avoid!

absolutely shocking company currently in an iva due to end march 26 i owe 2k in arrears phoned them up to try and cone up an arrangement to clear them got told id have to pay it over 3 month which worked out at 770 pound a month they wanted to put me in further debt while i was already in debt cant wait for it all to be o dr

Initially was chased every few days about getting an IVA and going through options. Decided to proceed with the IVA. In May I get a letter saying it’s been accepted.
I give them my bank details. They said extra payment at end as I gave it late. Which I accepted. Cancelled my Dd to creditors and find out it was never accepted. Trying to call and keep getting passed around and hung up on. When I got through asked to speak to a manager they said ohh it’s because is was driving and they couldn’t get me back. Well that’s bullshit I was on the side of the road. Not driving. Bad company don’t go with it.

After completing my IVA with Creditfix, I thought it was all done and dusted. I then still had two creditors chasing me (effecting my credit score), I tried to contact Creditfix recently by email multiple times, only for them to be ignored. I have had to resolve this issue separately with the creditors due to Creditfix vanishing into thin air. Stay well away from these if you are in financial trouble and go elsewhere. Communication is woeful!!!!!

I’ve had an iva with creditfix since 2021. After repeated phone calls that never get picked up and email that take weeks to get answered, I finally got a statement of what I’ve paid. To my shock, of the nearly £2.7k less than £150 has been paid to my creditors. Creditfix have stated that they took the rest for “administration costs” which is BS. I’ve now cancelled all payments to them and because of that, they’ve been blowing up my phone daily. Surprising their phones work when they want something, eh