Apature was my god send, struggling to pay a massive dept, being a pensioner, what could i do, a firm in Manchester rang me, and asked if I had any debts, I told them the truth, we csn help was the reply, they came to see me, we worked out the best Iva for me, 5year plan, then I then apature came on board, and worked together giving me the will to not let them down, and myself as well, this was my way to freedom, and I ment to go all the way, this April, I met my goal, I had managed to pay off my debts off, I did it all on my pension, that's all I had, but, to anyone reading this, swallow your pride the pride won't get you out of the mess, until on the last month of your payments, and you can say, yes yes yes I've done it, thanks apature, you taught me not to get in debt? If you can't afford it, you don't need it, never again will I have cards to get me into a mess, I feel better in my old age and dent free