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AVOID AT ALL COSTS
just a bit of new information about the post below. I have paid them £1,484.78 from 5/9/23-25/1/25. This money could have paid three of my creditors but instead goes to Clear Start Accounts.
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Be very careful with this company. In the beginning they promise the world. They say they can freeze the interest on your debts, which they did. Some of my debts me be completely written off, with me this didn’t happen. They do write to all your creditors once you have gone through your expenditures and tell them how much you can afford to pay. Then you are sent standing order mandates for you to pay your creditors direct. Then they charged me £50 a month to maintain my agreed amounts with my creditors. You get a call now and again at the beginning, mostly to try and flog you cheaper utilities. They do annual reviews where you stop paying your creditors direct but continue to pay Clear Start, in my case it was 2 payments of £96. After the 2 month review my creditors were contacted with a letter from Clear Start with either the same amount or lower if you have more outgoings. Then the £50.00 start again. I started to question what the £50 a month was for. I was told by a Clear Start employee that it was to maintain the amount I was paying my creditors and Clear Start contact each of your creditors by phone or automated once a month. I have 5 creditors and none of them had heard from Clear Start since the review in October???? The person I spoke to at Clear start about the £50 charge every month, was shouting at me, telling me if I closed my account they would call all my creditors to tell them I am no longer with Clear Start. They would also tell them that I now have £50 available to pay my creditors with., apparently some of my creditors could take legal action. I was left shaking and in tears. There are other debt management companies out their that don’t charge you a penny, all your available funds go straight to paying off your debts. I know this is a rather long winded review but I wanted to let people know when your desperate there is good FREE help out there. Don’t let these people take your money. Being in debt is terrifying. You dread the phone ringing, emails, letters upon letters posted to your home. Even a knock at the door. I really thought I had found saviours but they are not. The prey on the desperate. Please avoid them at all costs.