Debt Clever (previously known as Valour Financial Management) - www.debtclever.co.uk

good afternoon and a a very promising initiative

I was more than happy with valour . the fee was worth the trouble they took from my life. Think things slipped a bit under debtclever and my full and final took forever but sped up once they knew they were folding. All in all they made my life better and for that I'm very grateful.

Nothing was out of bounds even when I was really struggling but with the full & final there seemed no real effort I was forever chasing them . maybe they knew things were coming to an end but we got there in the end so thankyou valour and good luck in whatever you do in the future

Tricked me into joining five years ago when I was looking for a consolidation loan, paid full amount on time every time since and now that I should be out of debt they took too much money out of my account, blaming an error and then send me a text saying they are waiting for me to sign a pack regarding creditor arrangement. Please return to ensure your interest and charges remain frozen and collections process does not start!!!! I no longer owe anything!!! I need to try and contact my bank to make sure they do not take any more. Please people, stay away from Clever Law, Debt Clever, Valour Financial or any other aliases they may use

I joined them a few years ago and have had a brilliant experience. However out if nowhere I've been advised they are closing and to go ahead and arrange another payment plan either directly or with ano alternative dmp.There is nothing on the website or online just this one letter, no advance warning, I am not left feeling quite confused. And upset.

What can I say .....getting in touch with Valour Finance (which by the way is a better name than Debtclever)...three and half years ago changed my life....honestly , it let me breath again.

from day one I was given a finacual adviser, thank you from the bittom of my heart.

She was there every step . She phoned me to see if things were going ok ,to make sure I could afford the repayments , when I phoned up if she wasn't available her colleagues would help me but they also passed it onto her whio would

ring me at the next opportunity.

I have paid my debts off and feel relief now. Its a new journey, one that I don't think would have been possible without Valor Finance /Debt Clever.

so thank you to the team you really do make a difference xx

After struggling with debt I contacted Valour Financial back in 2010, they were courteous and professional and immediately made me feel I was starting to regain control. I have just made my final payment and have nothing but praise for staff from day 1 up to dealing with the full and final settlement team, they kept me informed what was happening with weekly phone calls and I cannot thank them enough. No one can understand the stress of debt unless they have been or are going through it. Valour (now Debt Clever) made me feel that I was not alone and I would get through it, which I have. Thank you does not seem enough, I am so grateful that they helped me through a dark period of my life.

I was struggling with debt until I saw an advert for Valour. I called them and was treated with respect and was given friendly, sensible advice which encouraged me to let them help me. I am now well on the way to financial stability. Thank you.

Joined Valour back in 2012 when I was really struggling. This month I have just made my final payment. I could not be happier and could not of done it without them.

The team are really customer focused and really happy to help.

Credit rating is finally starting to get better.

Would definitely recommend to anyone who is struggling with debt, it is such a relief when you deal with a company like valour they lift that stress and nothing is to much trouble.

Valor took us from the depths of dispair and gave us hope, we were spiralling out of control with debt and really worried about losing house and everything.

Valor went through our debts and came up with a repayemnt plan that really suited our budget, been with them 6 years now and over half way to paying off everything (they told us it would be about 11 years).

Best decision ever - would highly recommend.

Credit rating is now poor but that is good because we cannot get into any more debt

I would thoroughly recommend Valour Financial Management. They have been nothing but helpful and friendly in getting me out of debt and I could not have done it without them.

The service they offer is fantastic and you can log onto the portal at any time to see your creditors and how much you have got left to pay. You can also alter your monthly payments if they are too much for you or you want to pay more.

I would recommend Valour Financial Management to anyone who feels as if they cannot cope with the debt they have.

Finally I can sleep at nights!