Harrington brooks rang me to say they could lower my monthly payments, I wasn't struggling but thought great, I could always use the extra money! Do I signed up, they never paid my creditors, well sometimes my loan payment got £8 towards it! Now a year later I'm in the catagory of very poor credit rating, we want to move house and give our children a garden but we are stuck all because the arrears I got into with loan payments from this! Trying to improve it but it takes a long time and I can't be happy until I get my children a garden they deserve.