ConsumerNET Warning people!!! I logged my complain with them in AUGUST 2011 whereas I received my money from LLoyds at the END OF OCTOBER 2012!!! They have not done anything to help my problem with LLoyds TSB and washed their hands when I complained for their lack of action in November 2011 and then march 2012. I spent hours on the phone with lloyds trying to speed up the process but Lloyds were messing me about for a year. In meantime CONSUMERNET bombarded me with final warnings, notices to pay immediately despite I did not receive my money yet. I received about 10 THREAT letters from them despite informing them on number of ocassions that I did not receive my money! When I came back from holiday a letter was waiting for me with added extra costs for not paying the fee despite the paytment form Lloyds was still not issued to me! They do not care about your problems all they do is SEND 1 LETTER to LLOYDS and then charge you 30% for doing nothing. Throughout this time they proved to be unprofessional, and sat and watched me deal with all the problems for over 12 months!!! STAY AWAY FROM THEM!!!!!!!!!