2015 i was in a state of desperation,having taken on some of my familys debts,i contacted this firm sceptically,not knowing if they were legit or not,2 very nice gentlemen came to my house,helped me fill some forms out,they wanted bank statements as far back as i could go which caused me some embarrassment as id set fire to some old ones in my garden incinerator .!.however they asked me what i could afford,and a figure was agreed,simple as that.BUT,during the 5/6yrs i had to make the payments first my darling dad died dec2016 followed by my mum in march 2018..followed by my having a breakdown,i must say i have been treated with nothing but compassion and understanding,ok they have a job to do and they do coax you through,as long as you talk to them.so what i will say is dont be scared,i did it,recieved my completion certificate thismorning,such a good feeling,thank you credit fix for giving me my life back.! and a big thank you to patrick boyle for taking my call today 28/1/21 and for being so nice,there are good helpful people out there.!