If i could rate 0 i would very bad experience with creditfix and they keep all your money and they dont tell clients before the arrangement is in place that creditors will not get a peent for 12 months and all the money paid in would go to their fees first before sending monies to the creditos avoid at all costs it has coat us £1000 before i saw them for what they are money grabbing theives promises that they dont live up to refused on number of occasions to help and even after i told them that i was not happy with the arrangement they still took my payments every month