Hi, On the whole Creditfix have provided a good service and on the whole I have been happy. However what is still annoying me to this very day is that a credit card debt to Halifax (HBOS) has still not been allocated and I am still being badgered for money from them almost a year after setting up the IVA. I have had countless correspondents (emails & phonecalls) with HBOS and yourselves where you both seem to blame each other. HBOS have passed on the debt to Capquest and I have been pestered by them also. They have now passed the debt back to HBOS and I am still none the wiser if this has been resolved. I would've expected this would've been something that Creditfic would've sorted pretty much from day one. This has caused me much stress and I can imagine my credit rating was poor before but it must be abysmal now if HBOS still think I owe them money. Kind Regards Nathan Scott