They have worked hard to get me what is owed to me and for that I thank them. The only down side is the constant phone calls and asking me if I want insurance. I received a call whilst on a busy train on the way home and explained that I am on the way home and did not really want to talk about my business as there were too many people listening three times !!. I explained that I was at work and was told "his should only take a couple of minutes". I had to put the phone down. I received a letter telling me that 5 days after my cheque had cleared I must pay HFS. I was called twice before the cheque was even clear telling me that I had to pay now. So thanks for your help but I wouldn't recommend your company to anyone soon.