I started to pay £270 a month. At that time I had an army pension and a job. Due to personal circumstances I had to leave job. I got in touch with credit fix and told them the situation, and that I had been paying this about with out work for 3 months, and asked for copy of terms and conditions and procedure for stopping payments so I could go bankrupt. I had never reply from 3 emails until I sent official letter of complaint. I was then asked to fill out a former so they could a just my payments. Sent email back saying this is not what I asked for. It is nearly 30 days since I last heard from them, and creditors which they should of sorted out are still calling at house I use to stay. They are quite happy to take your money leave you broke and not communicate. Avoid like the plaque.