"Michael has always been very quick to respond to any queries or help I have asked for, he always listens to what I have to say and never tries to pressure me into anything. He gives every help he can so I can understand when difficulties arise with my finances and is always there for any advice he can give either from himself or colleagues that he trusts and knows personally. I have known Michael for approximately nine months and he has given me no cause for concern and has always been very pleasant and supporting since I have known him and I would recommend any of my friends to his expertise and help."