Iva with knightbridge worked perfectly, with only 10 months to go i get transfered over to these clowns without any paperwork to inform me of this. When calling them they seem to have lost or not received any documents from KB regarding my iva. If i can send everything again or i will default on my iva....rude staff on the phone who wont allow you to finish a sentence if they actually understand a word you're saying. Keep repeating same thing over and over again "email us the documents or you default" never once been late with payments or documents for review. Now get an email if i can follow the link and fill in online banking passwords...dont think so....to many fraudulent scams out there as it is. Be glad when this is all finished. Wish i could have stayed with Knightsbridge.