Hi,
My wife unfortunately turned to this so called "debt management" company to "consolidate" all of her loans, store cards etc into "one easy payment".
I know they also operate under a few alias names like "Debt Free Me".
What they ACTUALLY do is very little, for what amounts to their £2,500 fee.
Basically they instruct you to do everything which a well organised person with no legal status could do for free! Like save a certain amount of cash in a high interest account, negotiate with lenders, that kind of thing.
What they didn't do was to inform us of an impending