This company isn't a debt advice service. Arkle, stop bailiffs or care about money are all heads of the same parasitic creature. A creature who's only goal is to find a living fiscal host to extract money from. How do they do this you ask? By persuading clients to take out IVA's! An IVA is a fantastic invention, designed to allow fiscal parasites to make thousands of pounds from other people's debts. It's brilliant! Firstly what an organisation like Arkle does, is manage to find a panicked vulnerable person, convince them that they (Arkle) are debt experts providing them with genuine debt advice and persuades them they their only hope is to get an IVA. Then, conspiring with other creatures of the deep, these contemporary scillas create long term living hosts, who they can then extract money from, every month, for 5 years! The host animals continue to provide the parasitic organisms with sustenance, because the hosts believe that they are slowly paying off their debts. But this is the clever part... they aren't! For the first several years the scilla creatures take all the monthly payments for themselves, only when around £5000 worth of fees have been fully extracted from the host will the host begin to pay their creditors, but do they? No. The money is held in a trust, so even after 5 long years of sustaining both yourself and the many heads of Arkle, the host hasn't actually reduced their debt, at all. After 5 years of pain, a perpetually declining credit rating and making a gang of Insolvency Practitioners loads of money, your reward will be to wipe off the remaining debt. It's possible to wipe debt in a year, without paying monthly with a debt relief order, the ancient and long standing nemesis of Arkle and their ilk. But like Gollum grasping his precious, Arkle will say and do whatever they can sell their precious IVA's. So take out an IVA today! Alternatively, you could swallow a fist full of tape worms and post a pizza box with a turd in it to Experian. Both options would lead to similar outcomes and both tape worms and Arkle need living hosts.