I am now debt free but would not advise using this company. Once signed up communication became a major ongoing issue - staff handling case changed repeatedly, file not updated, incorrect information given etc. Even after I got my discharge (this was also mishandled) I STILL got calls and letters (quite aggressive) about PPI and how I HAD to comply with company! Three months after discharge I am still receiving statements from companies handling the credit cards on behalf of the creditors, who have only just received notification of my discharge! Basically the right hand doesn't seem to know what the left hand is doing and would advise using a free debt service - be warned, you may have to constantly chase them, you may find money not recorded correctly, they take too much in PPI fees, you have additional charges suddenly appearing with no prior notification and very little gets paid to your creditors. Can also affect your partners credit and you don't get warned about that!