For a number of years i have suffered with depression,resulting in me being unable to manage my finances correctly.After trying to deal with this problem for the last 18 months through various means to no avail I contacted QIS and spoke with Abdul.With in minutes of explaining to him my dilemma he had given me a choice which i had not previously been offered in IVA.Abdul was excellent he did everything for me .and for the first time in years can have been able to relax and not watch my letterbox and ignore the phone.thankyou Abdul and the QIS team.fully recommend this service.jackie brett.