They will ruin your credit record

I did not have an issue paying my debts. In fact I was well on my way to finish them in 2022. They cold called me and James (now totally ignoring my communication) convinced me that going under review will mean IDS negotiates to reduce my overall debt (NOT JUST MY MONTHLY INSTALLMENT, OVERALL DEBT) as he could see that I’m paying high interest rates. When the finally sent me the payment schedule, not only was my total debt not revised down, my repayment were extended by another year to 2023. I was also told my third installment would go towards creditors, I obtained statements from my creditors, none have been payed. I am incorrectly also charged a “reckless lending” fee. Each time I call them, they tell me they’ll fix it and never call back. Totally ********* and playing with people’s lives. I will be reporting them to NCR