I have been with fsf for 12mths. Have sent them £1035. £56 has been sent to creditors. No debts have been written off or made unenforceable. There as been no money put into a pot. Had 2 monthly progress reports. Fsf have taken the rest of my money for their fee. They charge £50 for phone calls made to you and £15 for calls which they receive from you. They have many hidden charges. I am now taking legal action to recover my money. A company which breaks promises, sends out conflicting reports,and fails to communicate with clients. Keep your money in your pocket, dont put it in theirs.

they charge you £15 if you phone them.ombudsman have been a help, fsf had to reveal there true charges when ombudsman got involved. fsf will be thinking that people like myself will give up and write money off.IF they break promise,they break agreemeant.I reported them to officer of fair traiding and martyn lewis(money expert).Dont give in to fsf.

first step finance will charge you £50 for every phone call which they make to you. If you need a progress report, insist they put it in writing. They will then have to reveal their charges to you.

i have been with first step finance for 12 mths.Have now had to involve ombudsman to try and recover £1035 which i have sent to them.They have hidden charges, break promises,give conflicting accounts of what they are doing with your money.Untrustworthy company who do not deliver what they promise.