Well I first want to say a massive thank you to Haydn and QIS. My debts were getting out of control and then I learnt my hours were to be cut in next few months. I really wasn't too sure what I was going to do. QIS rang me after I looked on line to see if I could qualify. The call was so helpful and really put everything into perspective, but also showed me just how bad things were. I was quite embarrassed but they made me feel comfortable and able to talk about it freely. Wish I had done this sooner instead of getting further and further into debt. If anyone thinking of doing this then this is the company to go for. Totally awesome.