I am in the end stages of my relationship with Consolidated Credit and I have very few positive sentiments to share.
When I called Consolidated Credit a few months ago, I received exceptional customer service and I was told that they would be able to negotiate manageable payments and rescue me from the desperate situation I had found myself in. I agreed to pay their fee ($999) for consumer proposals even though I am quite low income, and felt I was finally due some peace of mind.
It turns out that the massive fee they request covers putting together the initial paperwork (with multiple errors, in my case) and referring you to a trustee (who ultimately does the rest of the work). To be fair, my trustee is great.
When I repeatedly contacted Consolidated Credit confused as to what was happening in the process and frustrated by the level of service I had received, I was rebuffed--that is, until I asked to be withdrawn from the program. Only then did I feel my concerns and frustrations were addressed.
My proposal was rejected and I am now filing for bankruptcy. I feel that their services and the likelihood of my proposal of being accepted were grossly misrepresented. Consolidated Credit uses classic sales tactics to get clients in this way. Furthermore, $250 of my fee is nonrefundable. which seems like a lot to pay for a referral and a bit of poorly filled out paperwork. I've just been informed that I have to wait for the rest of my refund via mail despite the fact that they have been making withdrawals directly from my bank account. With that said, I've been assured it's being processed promptly.
When I looked at reviews before signing my contracts, they painted a very different picture. I have reason to believe that negative reviews get buried, partially due to people wanting to protect their anonymity. I'm sure Consolidated Credit has helped a lot of people--I'm not one them.
Review by Stasys5 years ago
It's and to goodness service
Review by Freebirddw5 years ago
Any debt problems you may have you need to get in touch with Consolidated Credit. I have a few debts that needed sorting out, saw the advertisement on TV and thought I would contact them for their help. The advisor was brilliant, very friendly, listened to everything I had to tell him and the enquiry I had was handled immediately, in a very professional manner. I am so pleased I decided to take the step to consolidate my debt because it is a big worry off your mind. If you need professional, one to one help don't hesitate to contact Consolidated Credit. Thank you team, well done.
Review by JukkaKo Berlusconi5 years ago
I was nervous when I rang them up but felt i had no choose cos i wasn't able to stop dwelling on my debt . The lady who answered was really nice and explained what would happen next you know what to expect and how much i will pay and not to worry . I'm glad I've done it honestly ive stopped worrying
Review by Khlo5 years ago
Adviser very friendly and patient
Review by MsTaxi5 years ago
Thankyou for helping to stear me in the right direction. I fell much relief from my stress now. And am for the first time in a long time able to sleep.
Review by Msp Lunnemann5 years ago
Help me when things became stressful. I now know that my finances will be sorted.
Review by CustomerGlenn5 years ago
the phonecalls stopped next day, they did the job perfect until now. You have an online account where you can see every details about your account
Review by Joscelynne Hachicha5 years ago
You have no worried as they sort everything for you they talk you though the the contract and help anyway they can if you have a problem or a worried jus email and they get straight back you all advisors I have spoke to completely understand every thing and don't make you feel like an idiot if they make a mistake they let you know and help you to solve it and pay any charges if their are any
Review by Kenedy5 years ago
I have less stress because I know their is help out there so I am very gratefull for
Review by Mariacristina Galerneau5 years ago
well i would recommend it to a friend if need be ,,, they are very helpful considerate and they relieve the pressure of worry from your shoulders from the time you first get in touch,,, and its no trouble for them go the extra mile for you ,,, its fair an honest ,,, if you feel the need to get in touch they are there for you ,, and to reasure every thing is ok ,, so you don't have to worry,
Review by DiscoStace5 years ago
They seem to do the job they are supposed to but once again I am waiting for them to take the monthly payment so I know what money is actually mine. It's frustrating.
Review by BrownGirl Alleluia5 years ago
Prior to consolidating my debts i was spending a big chunk of my earnings trying to settle those debts which was very stressful for me.Consolidating my debts with consolidated credit solution has given me the peace of mind to carry on with my life. The debt advisor i spoke to was also very helpful. My concerns were also promptly responded too.
Review by AudioZen5 years ago
i was at my witts end ,not knowing what to do , in the old days we used to just ignore debts but as i got older i realized this isnt a fair way to do things so i paid all my bills on time and kept my finance in order , untill the goverment changed the rules on benefit , even though ime disabled ,i saw my income cut in half and started to panic about what i should do,, untill i had thoughts of wanting to take my own life and end all the stress and worry it was makeing me really ill, , then i saw consolidated credit solutions advert on my pc and thought anything is worth a try ,i contacted marc at consolidated credit solotions and explained my situation and told him ," i dont want to end it all but i also know avoiding debt doesnt pay ", arfter ironing out a few creases at the start i joined the debt management programe , i may not have a lot left to live on but at least ime alive and paying my way still ,,i doubt if i could of sorted it without the help of consolidated , now been on the programe nearly a year and if ever a problem pops up i just email them and they do there utmost to sort it out , i highly recomend these people if you are looking for a good, fair , honest debt manement company , they charge for there services like most out there but the difference is you DO get what you are paying for and as an ordinary every day disabled guy that bit is important to me as ive been had by scam artists that take a payment and do nothing in return for there fee before , thank who ever is up there i found them
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