I'll be straightforward. I'm giving Creditfix a 2-star rating because they mostly do what they promise, but there are some issues. They consolidate your debts and set up an IVA, which is good. However, my experience has changed over the years. Initially, I spoke to friendly people in Scotland who explained everything and I felt looked after, but now it's with international folks, and sometimes their accents make it hard to understand, and can come across that they don't really understand the full process or care that much. The big problem came after I made my last IVA payment. I got no information—no emails, no letters. I emailed them, got a generic response, and had to call twice. They said I'd have to wait 3 to 6 months for clearance, which is ridiculous. I should have at least received an email in the last month explaining everything. So, if you go with Creditfix for an IVA, don't expect good communication, and be ready to wait 3 to 6 months to confirm your IVA is done. It's frustrating.