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 me they knew nothing about freshstart and hadn't heard from them, which I hadn't either. I then got a phone call, just after the second payment had gone out from Harrington Brookes Solicitors to confirm my details and set up my IVA. When I informed them that I was currently unemployed they said they could not set anything up and freshstart would be in contact to make arrangements, this did not happen. I rang freshstart just before the third payment was due to ask what was happening. Firstly I couldn't speak to my personnal advisor, then they told me they knew nothing about it!! I then told them that I wanted all my paperwork returned and a full refund of what I had paid them and was told, by the young lady I was speaking to, that that would not be a problem and would be 7 - 10 days. I have now been told, a month later, by a lady named Vicky, a compliance manager, that this is not the case as I am outside of the cooling off period of 7 days from the start of the agreement!! I am shocked that they can do this as I paid no money up front so by their policy I would have never been entitled to a refund even though they did not actually do the job that I paid them the money to do?