I was phoned by Freshstart Financial in December last year who told me that for only £150 a month they could set me up an IVA to wipe out my debt in only 5 years! I was passed to my personnal financial manager, named Tristan Kenny, who said that once I had made the first months payment none of my creditors would contact me as they would all be told I was with freshstart. So I sent all my paperwork and signed up. 2 months later I had paid them £300 pounds and was still receiving letters and phone calls from all my creditors who told... read full review »