Been using creditfix just over 2 years now, few niggles at first but nothing major. Have to do yearly review via bank online giving them access can be bit hard work to do it first time round but simple once done. My payments haven't gone up. I do not get any hassle from creditors and get yearly statements. Some of the reviews saying they take money after agreement ended, I would just cancel my payment through bank. My friend used these and referred me hers finished and was sent her final papers very prompt. As lifted a lot of weight off my shoulders I would recommend. Not many companies have 100% positive reviews so you have to make your own choices whats best for you but I would definitely recommend creditdfix.