Me and my partner sort out an IVA having a few debts, My wife did most of the donkey work speaking to them and found them very helpful. after a week or so we was bombarded with 3-5 phone calls per day. fast forward to weeks later, we have now have money removed from our account without signing any agreement or acknowledging any paper work. I've spoken to a lady who said because you did answer we signed the agreement for you and started the process.. I am now struggling to get a straight answer from any of them. some say its live some say its not. I feel like they couldn't organise a p**s up in a brewery! oh they still won't confirm why our money was taken..... stay clear. very clear