Firstly my account was transferred to these people...

Firstly my account was transferred to these people by DFD.

For over a year it was practically impossible to get hold of them.

As a result of their delay I am now in this arrangement two years longer than I needed to be

How much of the monies they collect actually goes to creditors

The FSA and Financial Ombudsman need to take a close look and investigate this organisation in particular and many like it because the decieve many people when they're at their most vulnerable

You're better off going bankrupt, it'll be over in a year.

Stay clear