Joined them in 2004 following divorce and getting into financial problems. Was promised that with a set figure I would be clear in 5 years and they would take care of my creditors. Continued to receive threatening letters from creditors, but was assured by HB that payments were being made. Decided earlier this year to check out status of my account since the 5 years was up and payments were still being taken and I was not receiving statements. Have repeatedly asked for an update, but no response. Then I received pages of print out with payments that were no even relating to me. Have written and emailed them as well as trying to call, but still nothing. One of my creditors came to a settlement with me and HB were still paying them long after I told them it had been settled. Original figures quoted and agreed by creditors - 3 have long since been paid out in full - but HB still paying them a year afterwards. I stopped my Direct Debit and instructed my Bank to halt anything else going out. Still heard nothing. Will certainly not be referring anyone I know to them - at least until they account for every penny I paid them - as well as the £50 admin fee each month. For what?