A P D (Financial Services) Ltd

Advantages: None
Disadvantages: Very high fees, no debt management performed

...I have to agree with the other reviewer - please, please never ever use Churchwood Financial Ltd (or any of the other companies they trade as). I went to them because my repayments and interest were becoming unmanageable. When I finally left them almost six months later, I was simply more in debt than when I started. They promise to take care of everything... If only this was even half way true. They promise to liaise with creditors, set up repayment agreements that will stop your interest and charges. THEY DONT! One of the first things they tell you (\"advise you\") is to stop taking any calls or replying to any letters from creditors. Just give them all to them. They also say stop making payments. Although I was struggling, I was making all payments on time and had never been charged extra fees up until I contacted Churchwood... Read review

Ciao members have rated this review on average helpful

Advantages: Helpful, low APRs
Disadvantages: None

...Marks and Spencer provide a variety of Financial Services and they are a helpful and efficient service provider as well. I would recommend them as a good, reliable company to go to for financial help and you will see that M&S are much more than a good place to buy clothes and food. M&S can provide you with an account card which you can use in any M&S store to pay for goods or for a variety of services such as flower delivery. This card has a low APR and you can get a credit limit of several thousand pounds should you wish to. This card is useful for regular shoppers at M&S or for people buying high value items such as furniture. Card holders also get the M&S catalogue for free and other shopping perks. You receive monthly statements so you can keep track of what you have spent. M&S also offer a Personal Reserve account. You... Read review

Ciao members have rated this review on average helpful

Advantages: Cheap Insurance
Disadvantages: Too many companies involved when you want to make a claim

...Star do not deal with claims themselves, but pass them to a company called “Motorcare Services Ltd” to deal with. “Our repairers will liaise direct with our in-house motor engineers to ensure that your car is inspected quickly to enable the repairs to be started immediately, without the need for you to spend precious time obtaining estimates.” A company called Northern Assessors sent an Engineer to look at the car (Yes, that’s right, not in house at all!), and value the damage. The cost of repair was about £3000. Did they write off the car? NO. It took over a week to decide what they were going to do with the car, but eventually, they decided to repair it. After all, the Assessor valued the car at £4000. A car which is on an N plate, and has done over 130,000, worth £4000, who are you kidding! So, now we’ve got 4 companies involved... Read review

Ciao members have rated this review on average helpful