I have dealt with Brazier in the past and I got thousands back and they then sent me an invoice and I paid it. I think they take 20%. But I didn't complain as the service was excellent for me. I can't believe all these bad reviews. The documents they sent me at the time where clear and they sent me text messages throughout to keep me updated. They dealt with about 4 companies all of which I got back money. They also send a text with the amount you will get which you will receive very quickly. This was a few years ago but I rated them excellent then. Maybe the company is under new hands now worth checking out. I could not fault them...Sorry but mine is a genuine and honest review of them.