After my husband and I found ourselves in financial difficulty after an accident that put my husband out of work and with us expecting a new baby and me having to come out of supply teaching. We found we were unable to manage to continue to make the payments to the creditors. With continual calls, letters and threats, my husband and I were sick with worry. In the end up I went searching for help on the Internet and we came across KPMG. After speaking to one of their colleagues over the phone. I immediately felt reassured. They were going to help us resolve this problem. They spoke about setting up a protected trust deed and they did explain the full implications of entering into this. Leaving my husband and I to think about it. After discussion we agreed this would be the best option for us. We entered into the protected trust deed which was all organised by KPMG, a few forms for us to fill in but other than that it was relatively easy and quick. The phone calls stopped and so did the letters. We are very happy with how KPMG after review of income and expenditure have sorted out a manageable monthly payment that we can make back with regular reviews of our account until the term of the protected trust deed is over. We can now see an end in sight and it is such a relieving feeling. We must comment that one of the things that has very much impressed us from KPMG is that we have had the one person Jade Broni dealing with our case now for sometime and she is amazing. She takes the time out to listen, helps allay an concerns we have and she is so knowledgable about our agreement with KPMG. Her dealings with us have been fantastic, she is very quick in replying to any correspondence we send and she is great at advising us and keeping us right with anything we are a little confused with. Great job KPMG, keep up this fantastic work. Sarah and Michael