I started with Spectrum in 2005, I had a really good credit history and a rep told me they could stop my worrying trying to manage my debts and they would take the hassle away. They made me believe that I would pay a monthly amount, they stop the interest and phonecalls and pay my creditors and I only had to save a bulk some of £1000 at at the end of 5 years paying they use £1, 000 to settle my accounts. They said they take £1, 000 off all their clients and used the joint amountss to write off our debts. Too good to be true... read full review »