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1. I app**** for debt relief and not all my creditors were added to the debt review list without informing me. 2. I disclosed my financial situation and app**** for a payment holiday and it was approved from 24 Aug - 24 Oct after I had to follow up, now I'm being threatened by SAHL pending cancelation from the process due to conflicting email communications from Firdous and Alex. 3. Overall a bad experience. They're quick to deduct monthly Installments but no follow through whatsoever.