Creditfix Ltd offer IVA, individual voluntary arrangements, the personel equivalent of a business going into administration if you like. The firm calls from two centers, Carlisle and Glasgow, and calls out under different names. The centres frequently change the names they use. They buy in details and cold call people who may be in financial difficulty. If you ask for your details to be removed they say ok, but it just means you wont get a call from them under the name they are using currently, carlisle may call and you say go away and dont call again, but glasgow could call the next day as it calls out under a different name. And when the names change..the dont call base is reset so you get them again. if you get a call ask if they are part of credit fix and why they keep changing the call centres name. The cold calling segments are recorded, but if you speak to someone else as you are interested in knowing more and getting an illustration youll be put through to someone else who does a basic income outgoings form with you. This lets them see if they can make money outta you and they ll ask about your debtors -this is important as some refuse to deal with IVAs others demand minimum returns and hence Creditfix cant make as much money outta you. This part of the call is NOT recorded...hence the friendly terms in use, the staff know they can speak as they need to get you on board and theres no recording to prove they told you something that isnt true. If you think theyre helping you.....think on a few things. If you agree to pursue things, the person on the phone is getting a bonus for hooking you and getting you to speak to a 'senior member of staff' or 'account manager'... .or some such guff.. ..its someone who can use a spreadsheet fast and can talk the talk. The illustration you are provided with is balanced to look good. 6 months in and its reviewed you could be WELL STUFFED, your repayments WILL increase. And the biggest selling point they have about protection for you if you are a homeowner is a two edged sword. If you cant make repayments (the new ones that you just got six months in thats anything upto %50 more than original level, much worse in some cases if your circumstances have changed) then they can FORCE bankcruptcy on you. Which means they get to force the sale of your property. An IVA is saying you cant afford your debts, but you could repay say %20. Creditfix knows the writedown levels different companies will accept and work out accordingly. An no matter how they dress up what they say their charges to you are, they ALWAYS earn offf EVERY payment you make. They may tell you that there only charge is 2 of your monthly payments. Sort of true...thats what they will take off you. But the payment they take to your creditors, well with this they agree with them a charge to come off that for themselves and the creditors will agree to that, the levels vary but there still earning. ..tho they tell you that all the monthly IVA payments go towards the debt. Some people may be helped by IVAs, but by a company that cold called you about it??? That keeps changing their name, even their location (started up in ireland, but the owner shut the irish centres moved into Glasgow, then Carlisle in 2012) hmmmmmm you decide.