I spoke to a lady called Sam, she was god sent Help to me, she has saved my life, this was a life changing phone call, I am forever greatful and thankful to Sam and company, they have helped me get rid of debit which nearly took my life ... I will 100% recommend you give a call if you have a debit an struggling...please please please give them a call it is life changing, They are on the ball and really helpful answered all my questions an worries Sam replied to my messages an calls sooo fast she was awesome she also helped me step by step with the application forms. Thank you again