I had few adverse credits and the advisor spent 2 hours over the phone going through my case and then he promised me to come back in 48 hours . After 3 days I rang him to ask for an update and then again on the 4th day I rang him again and then he indicated me a lender he may go to but then I had to tell him the lenders criteria and he said he will check and come back to me , again I had to chase the advisor and which point he said they did a soft credit check and it failed. Now after one week when I checked my credit report there was no credit check carried out and the advisor was lying!!!!!! Very very poor...never trust them again....