I got a PTD when I had a job. I then lost my job and was finding it hard to pay monthly payments. I got in touch with Royal British Legion, and they advice me to stop payments and go bankrupt. I informed Crefit fix, and it took someone over a month to get back in touch with me. I asked for terms and conditions, and details of who I was paying to be sent to my new address. Months have past and nothing. After putting on here a bad review I had an email from someone saying it would be sorted. Low and behold nothing has turned up. I am still getting harassment with phone calls and text telling me I have missed payments. During the RBL trying to find out themselves details of who I due money to, they found that one of the creditors have write dept off, and none have received any money. This would have mentioned after 4 years I would have paid more than I was due. Ignor what they tell you, they are there to take your money and if you try to contact them, be assured they will ignore you. I have given them an official letter of complaint, and await for the time limit before passing on complaint. AVOID AT ALL COST