With regard to this company, I have had nothing but good experiences. They are seriously helping me to get out of a terrible situation. However, I'm not sure that I understand the points you are making about their terms and conditions...surely you can liken this contract to any other kind of contract. For example, would you enter into an agreement with a mobile phone company and then refuse to pay them and then on top of that refuse to follow their cancellation procedure that you have agreed to by signing the documentation? As with all contracts, their is a cooling off period. If it is a distance sale, the period is 14 days. This should be plenty of time to potentially change your mind, and if not, more fool you! I'd also like to ask why, if you were not completely sure about it, that you would give your card details to a company for processing on a certain date. I know I wouldnt! I think people need to be more aware of what they are actually agreeing to...dont sign agreements if you dont agree with them!! I would also like to mention the gripe that you appear to have with 123 debt solutions charging a fee. They are a business, and they are providing you with a service, so what is the problem with them charging a fee?? They deal with all my creditors by phone and post, and their staff are in 7 days a week, which is great for me because I work full time and would find it difficult to contact them otherwise. The person I spoke to initially did not hide anything from me, and I do not have a problem with fees being taken to have this weight taken off my shoulders. Thanks to 123 debt solutions, I will only be in debt for another year or so, all being well. I wouldnt have been able to do this on my own and as another plus, they have also got the interest and charges frozen on every one of my debts. I also did some research on payplan. They are not really free. As mentioned previously, they are funded by the lenders...so the lenders will push you to go with payplan if they can. That way, you are esentially paying your interest and charges every month, and I'd be surprised if you could actually get out of debt in a reasonable amount of time.