I worked at the money group they are part of freshstart and I feel it is [problem] charging people twice or even 3 times there monthly payment as a set up fee over 2 months meaning there creditors don't get paid and I feel that the money group are targeting young single mothers and that they will only sign you up If you have a debit card so they can automatically take payments out of your account so if you don't send your client authority form back and they have taken money you are entitled Tobit back. You are best off dealing with creditors yourself as they are easier to deal with than people think and you don't have to pay any fees or set up costs.