I would recommend using this company if you find yourself in a position of needing to move on from a property with negative equity. You should be aware that the process will take time, but Negative Equity guide you through all stages. Over the course of my case I dealt with various people within the company and found them all to be very good at what they do. Ultimately Lesley managed to agree a settlement amount with the company dealing with the debt on behalf of my mortgage provider which allowed me to write off around 70% of the total debt. As the process does take time my case was managed by 2 different debt agencies but I never had to deal directly with them, all queries were handled by Lesley. The whole process is really dependent on whether the company dealing with your debt will accept a settlement, or rather how long it may take for them to do so. But negative equity provide good advice at all stages and have the experience of dealing with these companies which I would imagine could be difficult to do yourself. The only reason I would not give a 5 star review is that I ended up paying slightly more than what was implied may happen at the start of the process. But again I think this was down to a change in the company dealing with my debt and their view on what was acceptable. Ultimately being able to write off 70% of the debt was a very positive result and doing so using negative equity removed the vast majority of the stress from the situation.